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ININTR

Inter & Co, Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 40% YoYStreet coverage with positive forward estimatesQuiet on X (32 mentions/wk)
$INTR·$2.5B·Banks - Regional·Financial Services
$5.70+1.2%YTD-34.0%1Y-12.6%
Mentions · last 7 days
2026-07-28: 2 posts2026-07-29: 7 posts2026-07-30: 10 posts2026-07-31: 3 posts2026-08-01: 2 posts2026-08-02: 2 posts2026-08-03: 6 posts32-4%
Price updated 5h ago·X counts updated 1d ago
ININTR
$INTRInter & Co, Inc.
$5.70+1.24%32 posts-4%
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.

Proven numbersWinding up for a moveAI verdict · as of 2026-08-01

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

Inter & Co Brazilian digital bank down 35% YTD — Q1 in-line, wearables US launch, Aug 5 print at 8% of 52w.

Inter & Co, Inc. is a Brazilian digital bank plus fintech ecosystem (payments, investments, insurance) — the second-largest Brazilian digital-banking platform after Nubank. Down 35% YTD and 14% over 12 months as Latin American fintech valuations compressed — the equity is at 8% of 52-week range going into the August 5 print.

Where the setup sits:

  • Q1 was essentially in-line: EPS $0.17 vs $0.17 consensus on $480M revenue (+40% YoY) — the top-line growth is strong even as the multiple contracted.
  • The Inter US wearables launch is a strategic expansion: taking banking beyond the phone via wearable devices signals continued platform expansion in the US market — a small but potentially meaningful revenue vector.
  • The Orlando City SC / Orlando Pride Inter.co Stadium partnership adds US brand exposure: this is durable marketing spend that grows US customer acquisition.
  • Free cash flow yield is exceptional: 23.5% FCF yield at the current market cap is unusually high for a digital bank — either the market is drastically underpricing durability or growth is expected to compress.

August 5 is the pivot: continued account growth plus firm 2027 US-expansion commentary is what breaks the 8%-of-52w capitulation; a Brazilian regulatory action or a fresh consumer-credit deterioration signal and the -35% YTD extends toward fresh lows.

What to watch: The August 5 Q2 print — continued account growth plus firm 2027 US-expansion commentary breaks the 8%-of-52w capitulation; a Brazilian regulatory action or fresh consumer-credit deterioration and the -35% YTD extends.

On the calendar: 2026-08-05 — Q2 earnings

sentiment ticker collision

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

Partial — Brazilian digital super-app bank offering checking accounts, investments, insurance, and marketplace services to 30M+ customers; partial earnings exposure to banks - regional demand dynamics through its product portfolio.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+19.9%YTD
+30.5%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 earningsWed, Aug 5·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.0.8×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.10%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.+0.6%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.-26.4%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 today1.2% 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.β0.965-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.

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 (15 6-Ks · 11 3s · 3 13Gs · 1 20-F) in window

Recent news

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

Inter & Co: 30% EPS Growth At A 7x P/E Ratioseekingalpha.com·17h agoIntrepid Metals Launches First Systematic Exploration Program at Mattie Gold Prospectnewsfilecorp.com·8d agoInter.co Stadium Marks Next Chapter in Partnership with Orlando City SC & Orlando Prideglobenewswire.com·13d agoInter Launches Wearables in the U.S., Taking Banking Beyond the Phoneglobenewswire.com·23d agoIntrepid Metals Advances Porphyry Targeting at Corral Ahead of Integrated Geophysical Survey and Planned Q3 Drill Programnewsfilecorp.com·27d ago

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