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TickerTalks›$INTR
ININTR

Inter & Co, Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 40% YoYStreet coverage with positive forward estimatesConsistent chatter on X (121/wk), no spike
$INTR·$2.4B·Banks - Regional·Financial Services
$5.37-3.1%YTD-37.8%1Y-26.4%
Mentions · last 7 days
2026-07-10: 12 posts2026-07-11: 11 posts2026-07-12: 17 posts2026-07-13: 21 posts2026-07-14: 14 posts2026-07-15: 27 posts2026-07-16: 19 posts121+15%
Price updated 4h ago·X counts updated 1d ago
ININTR
$INTRInter & Co, Inc.
$5.37-3.07%121 posts+15%
AI analysisFundamentalsVoices on X
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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.

Comeback attemptWinding up for a moveAI verdict · as of 2026-07-16

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

Inter & Co down 35% YTD but expanding into US — Brazilian digital bank at 9% of 52w and 24% FCF yield.

Inter & Co is a Brazilian digital-banking platform expanding into the US — the July 13 wearables launch and June 8 Miami branch opening signal continued international expansion. The stock is down 35% YTD despite accelerating revenue growth.

  • Revenue grew 40% YoY last quarter with an 11% operating margin — real acceleration; the operating margin trajectory reflects continued positive operating leverage as customer base scales.
  • Trades at 9.1x TTM earnings, 0.82x sales, and a striking 23.5% free cash flow yield — genuinely cheap multiples for a fintech with real cash generation; the multiple has room to expand as international expansion continues.
  • The July 13 US wearables launch (Inter branded wearables 'taking banking beyond the phone') plus the Miami US branch opening June 8 signal real US-market expansion — the specific narrative shift from Brazil-only to US-adjacent story.
  • Zero insider transactions in the last 60 days at 9th percentile of 52-week range — clean absence of distributing signal at these deep-value levels.
  • Position vs 200-day MA -30% — the tape has been beaten up despite the underlying business fundamentals; the setup is asymmetric off the low.

August 7 Q2 earnings is where the international-expansion story either extends or contracts: revenue growth held above 35% plus specific US-market traction commentary is what turns coiling into a base; a modest print or a Brazilian macro concern is where the -35% YTD extends further. Real Brazilian digital-banking franchise at real deep-value entry with real US-expansion optionality — the setup rewards continued execution.

What to watch: Aug 7 Q2 earnings — need revenue growth held above 35% and specific US-market traction commentary. A modest print or Brazilian macro concern is where -35% YTD extends further.

On the calendar: 2026-08-07 — Q2 earnings

sentiment ticker mismatch

X sentiment

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

Bullish sentiment5 posts analyzed · as of 2026-07-15

Intrepid Metals chatter is bullish. INTR moving forward with strategic partner TECK to test the Bisbee Copper Queen mine porphyry (223Mt above). Multiple Arizona projects: Corral (a third style of mineralization at Mattie Prospect), Tombstone South, ~3,500 acres. Community adds INTR to earnings-cheap watchlist alongside PICS/PDD trading at 5x fwd P/E. Community broadly long.

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
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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 — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.

What this means for $INTR

Neutral — Brazilian digital super-app bank offering checking accounts, investments, insurance, and marketplace services to 30M+ customers; the under-penetrated credit market digital super-app models and NIM dynamics does not materially affect this business's near-term earnings.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+18.1%YTD
+21.4%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
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%
Q2 2025Aug 6, 2025$0.13$0.12+8.3%
Next earningsFri, Aug 7·consensus EPS $0.17

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 8 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$10.8B$10.6B – $11.0B$4.08$3.49 – $4.397
FY27$13.1B$12.4B – $13.7B$5.18$3.98 – $5.897
FY28$15.4B$14.6B – $16.0B$5.94$5.70 – $6.258
FY29$17.7B$16.8B – $18.3B$0.00$0.00 – $0.007
FY30$20.8B$19.7B – $21.5B$0.00$0.00 – $0.007

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.0.9×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.4%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.-8.1%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.-32.4%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 today1.4% 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
+ 30 other (16 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.

Inter Launches Wearables in the U.S., Taking Banking Beyond the Phoneglobenewswire.com·5d agoIntrepid Metals Advances Porphyry Targeting at Corral Ahead of Integrated Geophysical Survey and Planned Q3 Drill Programnewsfilecorp.com·9d agoLeocor Mining Inc. Completes Distribution of Intrepid Metals Corp. Shares to Shareholdersthenewswire.com·38d agoInter Opens U.S. Branch in Miamiglobenewswire.com·40d agoIntrepid Metals to Update Investors at the Emerging Growth Conference on June 10, 2026newsfilecorp.com·40d ago

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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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