TickerTalks
Browse all tickers →
TickerTalks›$INTR
ININTR

Inter & Co, Inc.

$INTR·$2.3B·Banks - Regional·Financial Services
$5.41+0.6%YTD-34.0%1Y-37.5%
Mentions · last 7 days
2026-08-21: 7 posts2026-08-22: 3 posts2026-08-23: 1 posts38+3%
Price updated 19m ago·X counts updated 8d ago
ININTR
$INTRInter & Co, Inc.
$5.41+0.56%38 posts+3%
AI analysisFundamentalsVoices on X
Loading…

AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $INTR, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-08-31

The move is getting stronger, with heavier trading behind it.

Inter & Co — Brazilian digital super-app/bank, Q2 EPS beat 4.7%, Q1 revenue +40% YoY, Zacks upgraded to Buy Aug 20, Wall Street 60% upside.

Inter & Co is a Brazilian digital-banking super-app — banking, brokerage, insurance, and marketplace commerce on one platform. The equity is a specific EM digital-financial-services compounder trading well below prior highs.

  • Q2 2026 EPS $0.19 beat $0.18 consensus by 4.7% on revenue $517.6M — the beat cadence has turned steadily positive (+4.7%, 0%, -2.4%, -5.7%), and Q1 revenue grew 39.9% YoY (a Brazilian-real currency-tailwind quarter), Q4 2025 +54.9%, Q3 +51.9%, Q2 2025 +52.2%.
  • The Aug 20 Zacks Buy upgrade is a specific sell-side confirmation; the Aug 24 Zacks '60% upside' article and Aug 24 'INTR or BAM' value-comparison article confirm the value-recognition narrative building.
  • Fundamentals are quality-EM-banking: P/E 9.1, P/S 0.82, ROIC 1.5% (financial-services shape), ROE 14.5%, gross margin 41% (net-interest-plus-fee margin), op margin 11%, FCF yield 23.5%, debt/equity 3.10 (normal for banks), EV/EBITDA 17.3 — extremely undemanding for the ROE trajectory.
  • Analyst FY26 EPS consensus $4.03 vs FY27 $5.12 and FY28 $6.05 — the Street models 25%+ EPS growth compounding into late-decade; on FY27 EPS the forward P/E is only ~5x.
  • Stock sits at 6% of 52-week range, 2% below 50-day, 27% below 200-day — the tape is at a wash-out level, and X posts describe adding near book value ($4.69) with the stock at $5.09 (down from $10 highs).

What extends the recovery is Q3 EPS topping $0.18 plus any specific Brazilian real-strengthening cycle continuing — both ratify the EM-digital-banking-at-cyclical-trough thesis. What breaks it is a Brazilian banking-crisis fear or an NPL-ratio spike beyond the 5% level, either of which reopens the credit-cycle overhang the current valuation partly discounts.

Agrees with X sentimentThe bullish X take on Inter — Brazilian digital super-app/bank at $5.09 down from $10 highs framed as undervalued at record profitability, NPLs rose 4.6%→5% but described as a deliberate credit choice, plans to add near book value ($4.69), Intrepid Metals (a separate name sharing the ticker) is planning a 10,000m drill program at Corral Copper — captures the EM-digital-banking-at-value setup for Inter, though the Intrepid Metals stream is a separate collision.

What to watch: Q3 EPS above $0.18 plus a Brazilian real-strengthening cycle extends the recovery; a Brazilian banking-crisis fear or an NPL-ratio spike beyond 5% reopens the credit-cycle overhang.

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

beta missing

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment8 posts analyzed · as of 2026-08-20

Note: two names share this ticker. Inter (Brazilian digital super-app / bank) is the dominant equity thread — bulls point to a $5.09 stock down from $10 highs, framing it as undervalued at record profitability. NPLs did rise 4.6% -> 5% but posters describe it as a deliberate credit choice; plans to add near book value ($4.69). Separately, Intrepid Metals is planning a 10,000m drill program at Corral Copper (Cochise County, AZ). Both streams bullish.

Read the AI verdict + X sentiment for $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)
  • X crowd read with bullish/bearish call + post volume
Free, forever. No credit card.

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

Net interest margin is the primary earnings lever; the rate curve shape determines the spread between deposit costs and loan yields. Credit quality in commercial real estate remains the headline risk — office exposure is the most closely watched segment.

What this means for $INTR

Partial — fee-based midstream revenue has limited direct commodity price exposure but volume ties to upstream production activity.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+19.9%YTD
+13.4%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 $0.18

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$10.7B$10.5B – $10.9B$4.03$3.45 – $4.347
FY27$12.9B$12.2B – $13.5B$5.12$3.93 – $5.827
FY28$15.2B$13.9B – $16.4B$6.05$5.81 – $6.369
FY29$17.7B$16.6B – $18.4B$0.00$0.00 – $0.004
FY30$20.8B$19.5B – $21.7B$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.0.6×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.6%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.-1.6%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.-27.2%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 330.6M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.9% 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.

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.

3New insider — initial holdingsApr 13
AI summary

Interra Resources Ltd. (INTR) filed a Form 3 initial statement of beneficial ownership for newly appointed Chief Legal Officer Martins de Araujo, who holds no shares, filed on or around March 16. This is one of several Interra Form 3 filings for newly appointed officers and directors across different dates, reflecting an extended period of leadership appointments. No derivative securities were reported.

3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
+ 29 other (15 6-Ks · 11 3s · 2 13Gs · 1 20-F) in window

Recent news

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

INTR or BAM: Which Is the Better Value Stock Right Now?zacks.com·7d agoWall Street Analysts Believe Inter & Co. Inc. (INTR) Could Rally 59.74%: Here's is How to Tradezacks.com·7d agoInter & Co. Inc. (INTR) Upgraded to Buy: Here's Whyzacks.com·11d agoCetera Investment Advisers Has $1.06 Million Stake in Inter & Co. Inc. $INTRdefenseworld.net·18d agoIntrepid Metals Identifies Prospective Porphyry Alteration Corridor at Corral Copper Project in Arizonanewsfilecorp.com·19d ago

More in Banks - Regional

Peers in the same group — one click to compare setups, fundamentals, and chatter.

$CFG$NU$WAL$ZION$CHYM$BMA$HBAN$BBD
Voices on X · top 3 · 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.

PrivacyTermsSupport