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ININTR

Inter & Co, Inc.

Hot onWhy it's trendingX chatter spiked vs its recent normBacked by solid revenue growthBullish-leaning chatter
$INTR·$2.4B·Banks - Regional·Financial Services
$5.44-2.2%YTD-37.0%1Y-26.7%
Mentions · last 7 days
2026-06-13: 3 posts2026-06-14: 3 posts2026-06-15: 19 posts2026-06-16: 15 posts2026-06-17: 10 posts2026-06-18: 6 posts2026-06-19: 56 posts112+100%
Price updated 19h ago·X counts updated 19h ago
ININTR
Inter & Co, Inc.$INTR
$5.44-2.16%112 posts+100%
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 attemptSelling offAI verdict · as of 2026-06-20

Falling on heavy selling — points lower unless it turns around.

Inter & Co at 9x earnings with 28% growth — and the stock is at the absolute bottom of its 52-week range.

Inter & Co is the Brazilian-anchored LatAm fintech (banking, brokerage, payments, marketplace) whose multi-year struggle versus larger LatAm fintech compounders (Nu Holdings) has produced one of the cheapest fintech multiples in the region. The numbers are firing: Q1 revenue grew 40% year-over-year to BRL 4.22B at an 11% operating margin, with the past EPS surprise essentially in-line. The stock is down 37% YTD and 27% TTM, sitting in the bottom 0.4% of its 52-week range (essentially the absolute low) and 34% below the 200-day on a 0.5x volume multiplier — that's structural distribution. Trades at 9x earnings, 0.82x sales, and ~1.3x book per the chatter — distressed-fintech multiple math. The structural news: Inter opened its US Branch in Miami on June 8 — that's the LatAm-to-US expansion the chatter cites as the structural diversification catalyst. The structural concern: banking still accounts for 87% of revenues, leaving cross-sell as the long-cycle execution lever.

Agrees with X sentimentThe X bull thread on Inter & Co trading at 1.3x book and ~9x earnings with 28% growth as one of the cheapest Latin American fintechs, the need to expand beyond Brazil and US plus drive product cross-sell, and the framing of Banking as 87% of revenues evolving into a multi-product platform is reading the structural setup correctly.

What to watch: August 5 Q2 earnings — does revenue growth hold above 30% YoY and does operating margin extend above 11% as the US Miami branch and non-banking product mix builds? Continued Brazil-fintech-cycle pressure or BRL depreciation is the structural risk; any major activist disclosure or capital-return announcement is the structural rerating leg.

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

X sentiment

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

Bullish sentiment16 posts analyzed · as of 2026-06-19

Inter & Co trades at 1.3x book and roughly 9x earnings with 28 percent growth, making it one of the cheapest Latin American fintechs. Authors flag the need to expand beyond Brazil and US plus drive product cross-sell, with Banking 87 percent of revenues to evolve into a multi-product platform.

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

Brazilian digital banking and mature-market rate normalization are pulling this small group in opposite directions — 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. The structural growth thesis sits with the LatAm digital entrant.

What this means for $INTR

Direct beneficiary — Brazil's largest digital bank serves 30M+ customers with no physical branch cost structure; LatAm's under-penetrated consumer credit and investment market is the structural long-runway growth driver.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+10.5%YTD
+25.9%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 $0.17

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$4.09$3.50 – $4.416
FY27$13.1B$12.4B – $13.7B$5.20$4.00 – $5.917
FY28$15.6B$14.8B – $16.1B$5.98$5.67 – $6.228
FY29$19.0B$18.0B – $19.7B$0.00$0.00 – $0.007
FY30$23.0B$21.8B – $23.8B$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.0.5×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.0%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.-19.9%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.-34.2%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 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.β0.925-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
+ 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.

Leocor Mining Inc. Completes Distribution of Intrepid Metals Corp. Shares to Shareholdersthenewswire.com·10d agoInter Opens U.S. Branch in Miamiglobenewswire.com·12d agoIntrepid Metals to Update Investors at the Emerging Growth Conference on June 10, 2026newsfilecorp.com·12d agoInter Sets the Rule of 50 as the Company’s North Starglobenewswire.com·40d agoInter Sets the Rule of 50 as the Company's North Starglobenewswire.com·40d ago

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