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ININTR

Inter & Co, Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 40% YoYStreet coverage with positive forward estimatesConsistent chatter on X (227/wk), no spike
$INTR·$3.4B·Banks - Regional·Financial Services
$6.73-0.4%YTD-13.8%1Y-24.6%
Price updated 7h ago·X counts updated 5d ago
ININTR
$INTRInter & Co, Inc.
$6.73-0.44%227 posts1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $INTR on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

227X posts · last 7 days
Sep 29Oct 11
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $INTR's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 51% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data7 posts analyzed · as of 2026-09-09

Inter & Co printed +5% pushing through the trendline and chartists call it a cup-and-handle setup at the weekly. Institutions used the ~38% YTD selloff to $5.20-5.50 to build big positions, and a fresh Brazilian political tailwind is being invoked. Panic buying is showing up across $STNE, $PAGS and $INTR.

Read what X is saying about $INTR

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $INTR — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Comeback attemptWinding up for a moveAI verdict · as of 2026-10-02

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Inter & Co is near 52-week lows with a cup-and-handle weekly setup — institutions built big positions in the $5.20-5.50 drawdown.

Inter & Co is a Brazilian digital-bank with growing credit, insurance, and investment franchises. The stock has been crushed on sentiment but the business is still accelerating.

  • The business is strong: Q1 revenue +40% YoY at an 11% operating margin and ROIC of 1.5% — top-line growth strong but ROIC still ramping, with PE 9.1x reflecting cycle discount against Brazilian macro.
  • The chart is specific: a +5% move through the trendline with a weekly cup-and-handle setup, institutions building big positions in the $5.20-5.50 drawdown — a technical reversal with institutional confirmation.
  • 52-week range position is 6% with vol multiplier 1.26 — near 52-week floor on above-average volume, with the broader Brazilian fintech cohort (STNE, PAGS) seeing panic buying together.

Nov 12 Q3 is the gate — any continued revenue acceleration plus ROIC expansion extends the stock off the floor. A Brazilian regulatory headline or a credit-loss step-up and the stock stays range-bound.

Agrees with X sentimentThe thread has substantive drivers — the specific +5% trendline break, cup-and-handle weekly, institutional accumulation in the $5.20-5.50 drawdown, Brazilian political tailwind framing, panic buying across STNE/PAGS/INTR — all grounded in positioning data.

What to watch: Nov 12 Q3 — revenue growth, credit-loss trajectory, deposit growth, and Brazilian macro commentary. A credit-loss step-up or regulatory headline is the clear invalidator.

On the calendar: 2026-11-12 — Q3 earnings

Read the AI verdict on $INTR

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Brazilian digital super-app bank offering checking accounts, investments, insurance, and marketplace services to 30M+ customers.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $INTR.

Banks - Regional · Financial Services

No material change from last week — HDFC Bank securities fraud class action class deadline Sep 20 keeps litigation overhang on the India private banking thesis.

What this means for $INTR

Neutral — Brazilian digital super-app bank offering checking accounts, investments, insurance, and marketplace services to 30M+ customers.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+6.4%YTD
+20.1%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
9.1How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
1.5%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
11.0%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
23.5%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.8Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
14.5%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
41.0%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
3.1Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 5, 2026$0.19$0.18+4.7%
Q1 2026May 7, 2026$0.17$0.170.0%
Q4 2025Feb 11, 2026$0.16$0.16-2.4%
Q3 2025Nov 13, 2025$0.14$0.15-5.7%
Next earningsThu, Nov 12·consensus EPS $0.19

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$4.2B+39.9%40.0%11.1%$0.88$314.4M
Q4 FY25$4.3B+54.9%42.3%10.9%$0.88$1.2B
Q3 FY25$3.8B+51.9%39.9%11.0%$0.75$-870.9M
Q2 FY25$3.4B+52.2%41.8%11.2%$0.72$2.4B

Forward consensus

5-year forecast · up to 9 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$10.9B$10.9B – $11.1B$4.01$3.90 – $4.127
FY27$13.1B$12.6B – $13.7B$4.99$4.49 – $5.387
FY28$15.4B$14.0B – $17.8B$6.00$5.25 – $6.349
FY29$22.0B$20.6B – $23.8B$0.00$0.00 – $0.004
FY30$20.9B$19.6B – $22.7B$0.00$0.00 – $0.004

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.8×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.33%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+17.1%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-3.0%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 330.7M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today4.0% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.955-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3New insider — initial holdingsMay 63
AI summary

Interra Resources Ltd. (INTR) filed a Form 3 initial statement of beneficial ownership for newly appointed director Cazzaniga, who holds no shares of common stock. This routine SEC filing is required within 10 days of an individual becoming a corporate insider. The zero-share position is common for newly appointed independent directors who have not yet received equity grants. No derivative securities were reported.

3New insider — initial holdingsApr 233
AI summary

Interra Resources Ltd. (INTR) filed a Form 3 initial statement of beneficial ownership for newly appointed director de Souza Maia, who holds no shares of common stock. This is one of several Interra Form 3 filings for newly appointed directors across the same period, suggesting a board refresh or reconstitution. The zero-share position is typical for newly appointed independent directors. No derivative securities were reported.

3New insider — initial holdingsApr 233
AI summary

Interra Resources Ltd. (INTR) filed a Form 3 initial statement of beneficial ownership for newly appointed director Prado, who holds no shares of common stock. This routine SEC filing is required within 10 days of becoming a reporting insider. The zero-share position is typical for newly appointed independent directors. No derivative securities were reported.

+ 21 other (17 6-Ks · 3 13Gs · 1 20-F) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Inter & Co. Inc. (INTR) Surges 19.7%: Is This an Indication of Further Gains?zacks.com·10d agoInter's 2026 Outlook: Digital Fintech SuperApp Strategy Targets Sustained Growthfool.com·11d agoINTR or BAM: Which Is the Better Value Stock Right Now?zacks.com·54d agoWall Street Analysts Believe Inter & Co. Inc. (INTR) Could Rally 59.74%: Here's is How to Tradezacks.com·54d agoInter & Co. Inc. (INTR) Upgraded to Buy: Here's Whyzacks.com·58d ago

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Voices on X · top 1 · last 7 days

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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