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Inter & Co. Inc. (INTR) Financials

Inter & Co. Inc. logo
$7.59 +0.38 (+5.27%)
Closing price 05/5/2026 04:00 PM Eastern
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$7.60 +0.01 (+0.14%)
As of 05/5/2026 07:52 PM Eastern
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Annual Income Statements for Inter & Co. Inc.

Annual Income Statements for Inter & Co. Inc.

This table shows Inter & Co. Inc.'s income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 32 4.23 -25 133 315 467 709
Consolidated Net Income / (Loss)		 7.56 5.91 -9.88 -2.66 73 157 255
Net Income / (Loss) Continuing Operations		 32 -1.67 -16 134 304 456 694
Total Pre-Tax Income 		25 -1.35 -41 -34 91 195 297
Total Revenue		 224 35 34 490 690 767 1,126
Net Interest Income / (Expense)		 193 -35 -97 461 343 296 486
Total Interest Income		 193 0.00 0.00 530 938 831 1,577
Investment Securities Interest Income		 - - - 530 938 831 1,577
Total Interest Expense		 0.00 35 97 373 595 536 1,091
Long-Term Debt Interest Expense		 - - - 373 595 536 1,091
Total Non-Interest Income		 31 71 131 333 347 472 640
Other Service Charges		 -164 71 131 238 328 337 422
Net Realized & Unrealized Capital Gains on Investments		 - - - 300 337 425 660
Other Non-Interest Income		 158 - - -205 -318 -291 -441
Total Non-Interest Expense		 200 44 81 340 300 196 258
Other Operating Expenses		 195 0.00 1.57 309 267 163 195
Depreciation Expense		 4.35 - - 31 33 34 62
Income Tax Expense		 -7.39 -7.26 -32 16 85 115 174
Net Income / (Loss) Attributable to Noncontrolling Interest		 - -2.46 -3.16 0.57 -10 -11 -16
Weighted Average Basic Shares Outstanding		 - - 228.52M 401.80M 402.19M 439.70M 441.32M
Weighted Average Diluted Shares Outstanding		 - - 228.52M 401.80M 402.19M 439.70M 441.32M
Weighted Average Basic & Diluted Shares Outstanding		 - - 228.52M 401.80M 402.19M 439.70M 441.32M

Quarterly Income Statements for Inter & Co. Inc.

No quarterly income statements for Inter & Co. Inc. are available.

Annual Cash Flow Statements for Inter & Co. Inc.

This table details how cash moves in and out of Inter & Co. Inc.'s business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 515 893 -118 -84 335 308 10
Net Cash From Operating Activities		 197 574 -96 236 351 325 1,411
Net Cash From Continuing Operating Activities		 333 741 -96 236 351 325 139
Net Income / (Loss) Continuing Operations		 7.56 5.91 0.00 0.00 0.00 0.00 255
Consolidated Net Income / (Loss)		 7.56 5.91 - - - - 255
Provision For Loan Losses		 37 44 - - - - 441
Depreciation Expense		 4.34 8.41 10 31 33 34 62
Non-Cash Adjustments to Reconcile Net Income		 -8.92 -9.99 -107 205 318 291 -15
Changes in Operating Assets and Liabilities, net		 293 693 - - - - -605
Net Cash From Investing Activities		 -111 -972 -17 -103 -13 -13 -895
Net Cash From Continuing Investing Activities		 -111 -33 -17 -103 -13 -13 -104
Purchase of Property, Leasehold Improvements and Equipment		 -18 -29 - - - - -104
Other Investing Activities, net		 0.00 -4.79 - - - - 0.00
Net Cash From Financing Activities		 304 213 -5.26 -217 -3.38 -3.07 -49
Net Cash From Continuing Financing Activities		 293 184 -5.26 -217 -3.38 -3.07 -49
Repurchase of Common Equity		 0.00 -29 -5.26 0.00 -3.38 -3.07 -4.95
Payment of Dividends		 -11 -7.29 0.00 -217 - - -44
Effect of Exchange Rate Changes		 0.10 0.19 - - - - 25

Quarterly Cash Flow Statements for Inter & Co. Inc.

No quarterly cash flow statements for Inter & Co. Inc. are available.

Annual Balance Sheets for Inter & Co. Inc.

This table presents Inter & Co. Inc.'s assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 3,835 6,570 8,767 12,438 12,359 18,005
Cash and Due from Banks		 415 90 252 878 179 694
Federal Funds Sold		 - - - 549 855 1,436
Loans and Leases, Net of Allowance		 0.00 0.00 4,850 0.00 0.00 0.00
Premises and Equipment, Net		 27 29 36 35 60 70
Goodwill		 96 - - 277 297 370
Other Assets		 1,934 4,207 1,026 10,684 10,951 15,409
Total Liabilities & Shareholders' Equity		 3,835 6,570 8,767 12,438 12,359 18,005
Total Liabilities		 3,195 5,054 7,426 10,873 10,892 16,107
Non-Interest Bearing Deposits		 2,394 3,289 - - 6,922 10,021
Long-Term Debt		 5.28 4.50 6.90 22 1,620 2,729
Other Long-Term Liabilities		 108 2,251 4,425 10,835 2,332 3,332
Total Equity & Noncontrolling Interests		 640 1,026 1,341 1,566 1,467 1,898
Total Preferred & Common Equity		 631 -13 1,323 1,540 1,438 1,857
Total Common Equity		 624 -13 -156 1,540 1,438 1,857
Accumulated Other Comprehensive Income / (Loss)		 5.00 -13 -156 1,540 1,438 1,857
Noncontrolling Interest		 9.35 1,039 18 26 29 41

Quarterly Balance Sheets for Inter & Co. Inc.

No quarterly balance sheets for Inter & Co. Inc. are available.

Annual Metrics And Ratios for Inter & Co. Inc.

This table displays calculated financial ratios and metrics derived from Inter & Co. Inc.'s official financial filings.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - 441,321,663.00
DEI Adjusted Shares Outstanding		 - - - - - - 441,321,663.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.58
Growth Metrics		 - - - - - - -
Revenue Growth		 0.00% -84.31% -3.40% 1,883.76% -37.68% 12.25% 46.77%
EBITDA Growth		 0.00% -101.83% -6,836.07% 1,085.68% -126.27% 45.13% 53.91%
EBIT Growth		 0.00% -136.40% -427.43% 800.95% -138.75% 48.84% 52.11%
NOPAT Growth		 0.00% -102.96% -2,965.43% 26.43% 440.12% 1,415.11% 52.26%
Net Income Growth		 0.00% -21.82% -267.20% 73.04% 2,825.77% 116.69% 62.17%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 2,600.00% 0.00% 0.00%
Operating Cash Flow Growth		 0.00% 191.36% -116.79% 344.84% 48.67% -7.42% 334.57%
Free Cash Flow Firm Growth		 0.00% 0.00% -39.89% 116.69% -210.84% 176.78% 0.17%
Invested Capital Growth		 0.00% 0.00% 135.59% -11.33% 17.79% -6.29% 49.85%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Profitability Metrics		 - - - - - - -
EBITDA Margin		 12.89% -1.50% -107.89% 53.61% -22.60% 78.80% 82.64%
EBIT Margin		 10.95% -25.40% -138.69% 49.00% -30.47% 74.39% 77.12%
Profit (Net Income) Margin		 3.37% 16.80% -29.07% -0.40% 17.29% 20.52% 22.66%
Tax Burden Percent		 30.79% -436.94% 23.83% 7.88% 80.09% 80.70% 86.03%
Interest Burden Percent		 100.00% 15.13% 87.96% -10.23% -70.83% 34.18% 34.15%
Effective Tax Rate		 -30.09% 0.00% 0.00% 0.00% 19.91% 58.87% 58.84%
Return on Invested Capital (ROIC)		 0.00% -0.29% -2.68% -1.49% 4.95% 5.21% 3.17%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 259.53% 4.99% 5.97% 4.95% 364.09% 9.28%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 2.14% 1.49% 1.26% 0.05% 5.16% 12.00%
Return on Equity (ROE)		 0.00% 1.85% -1.19% -0.23% 5.00% 10.37% 15.17%
Cash Return on Invested Capital (CROIC)		 0.00% -200.29% -83.49% 10.52% -11.39% 11.71% -36.74%
Operating Return on Assets (OROA)		 0.00% -0.23% -0.91% 4.31% -1.21% 4.60% 5.72%
Return on Assets (ROA)		 0.00% 0.15% -0.19% -0.03% 0.68% 1.27% 1.68%
Return on Common Equity (ROCE)		 0.00% 1.80% -0.44% 0.02% -0.51% 10.19% 14.85%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.94% 76.20% -0.20% 4.71% 10.94% 13.74%
Net Operating Profit after Tax (NOPAT)		 32 -0.95 -29 -21 73 80 122
NOPAT Margin		 14.25% -2.69% -85.39% -3.17% 17.29% 10.46% 10.84%
Net Nonoperating Expense Percent (NNEP)		 0.00% -259.82% -7.67% -7.46% 0.00% -358.88% -6.12%
SG&A Expenses to Revenue		 0.00% 125.40% 234.06% 20.59% 54.83% 0.00% 0.00%
Operating Expenses to Revenue		 89.05% 125.40% 238.69% 51.00% 130.47% 25.61% 22.88%
Earnings before Interest and Taxes (EBIT)		 25 -8.93 -47 330 -128 570 868
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 29 -0.53 -37 361 -95 604 931
Valuation Ratios		 - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.00 0.00 0.00 1.16 1.98
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.00 0.00 1.46 2.48
Price to Revenue (P/Rev)		 0.00 0.00 0.00 0.80 5.29 2.18 3.27
Price to Earnings (P/E)		 0.00 0.00 0.00 22.75 0.00 3.59 5.19
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.72% 1.31%
Earnings Yield		 0.00% 0.00% 0.00% 4.40% 0.00% 27.89% 19.26%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.23 0.88 0.46 0.93
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.46 3.31 0.90 3.84
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.86 0.00 1.14 4.64
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.94 0.00 1.21 4.98
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 19.17 8.58 35.40
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 1.32 3.97 2.12 3.06
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 2.07 0.00 3.82 0.00
Leverage & Solvency		 - - - - - - -
Debt to Equity		 0.00 0.01 0.00 0.01 0.01 0.01 1.44
Long-Term Debt to Equity		 0.00 0.01 0.00 0.01 0.01 0.01 1.44
Financial Leverage		 0.00 0.01 0.30 0.21 0.01 0.01 1.29
Leverage Ratio		 0.00 5.99 6.24 6.48 7.30 8.18 9.02
Compound Leverage Factor		 0.00 0.91 5.49 -0.66 -5.17 2.80 3.08
Debt to Total Capital		 0.00% 0.82% 0.44% 0.51% 1.39% 1.40% 58.98%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.82% 0.44% 0.51% 1.39% 1.40% 58.98%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 1.45% 100.82% 1.36% 1.62% 1.93% 0.88%
Common Equity to Total Capital		 0.00% 96.74% -1.26% -11.58% -8.77% 96.67% 40.14%
Debt to EBITDA		 0.00 -9.98 -0.12 0.02 -0.23 0.03 2.93
Net Debt to EBITDA		 0.00 774.97 2.33 -0.68 9.02 -1.68 0.64
Long-Term Debt to EBITDA		 0.00 -9.98 -0.12 0.02 -0.23 0.03 2.93
Debt to NOPAT		 0.00 -5.57 -0.16 -0.32 0.30 0.26 22.35
Net Debt to NOPAT		 0.00 432.72 2.94 11.48 -11.79 -12.64 4.90
Long-Term Debt to NOPAT		 0.00 -5.57 -0.16 -0.32 0.30 0.26 22.35
Noncontrolling Interest Sharing Ratio		 0.00% 2.46% 63.31% 107.14% 110.16% 1.79% 2.06%
Liquidity Ratios		 - - - - - - -
Cash Flow Metrics		 - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -646 -904 151 -167 180 -1,417
Operating Cash Flow to CapEx		 1,077.99% 2,046.66% 0.00% 0.00% 0.00% 0.00% 1,355.92%
Free Cash Flow to Firm to Interest Expense		 0.00 -18.21 -9.28 0.40 -0.28 0.34 -1.30
Operating Cash Flow to Interest Expense		 0.00 16.17 -0.99 0.63 0.59 0.61 1.29
Operating Cash Flow Less CapEx to Interest Expense		 0.00 15.38 -0.99 0.63 0.59 0.61 1.20
Efficiency Ratios		 - - - - - - -
Asset Turnover		 0.00 0.01 0.01 0.09 0.04 0.06 0.07
Fixed Asset Turnover		 0.00 1.33 1.22 20.77 11.98 16.25 17.39
Capital & Investment Metrics		 - - - - - - -
Invested Capital		 0.00 645 1,520 1,348 1,588 1,488 4,626
Invested Capital Turnover		 0.00 0.11 0.03 0.47 0.29 0.50 0.29
Increase / (Decrease) in Invested Capital		 0.00 645 875 -172 240 -100 1,539
Enterprise Value (EV)		 0.00 0.00 0.00 312 1,392 688 4,321
Market Capitalization		 0.00 0.00 0.00 539 2,222 1,672 3,682
Book Value per Share		 $0.00 $0.00 ($0.06) ($0.68) ($0.35) $3.58 $4.22
Tangible Book Value per Share		 $0.00 $0.00 ($0.39) ($1.71) ($1.04) $2.84 $3.38
Total Capital		 0.00 645 1,031 1,348 1,588 1,488 4,626
Total Debt		 0.00 5.28 4.50 6.90 22 21 2,729
Total Long-Term Debt		 0.00 5.28 4.50 6.90 22 21 2,729
Net Debt		 0.00 -410 -85 -245 -856 -1,013 598
Capital Expenditures (CapEx)		 18 28 -0.11 -0.00 0.00 0.00 104
Net Nonoperating Expense (NNE)		 24 -6.85 -19 -19 0.00 -77 -133
Net Nonoperating Obligations (NNO)		 0.00 5.28 494 6.90 22 21 2,729
Total Depreciation and Amortization (D&A)		 4.34 8.41 10 31 33 34 62
Earnings Adjustments		 - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 ($0.03) $0.75 $0.00 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 228.52M 401.80M 402.19M 439.70M 441.32M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 ($0.03) $0.75 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 228.52M 401.80M 402.19M 439.70M 441.32M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 228.52M 401.80M 402.19M 439.70M 441.32M
Normalized Net Operating Profit after Tax (NOPAT)		 17 -0.95 -29 122 327 136 208
Normalized NOPAT Margin		 7.67% -2.69% -85.39% 18.12% 77.87% 17.80% 18.44%
Pre Tax Income Margin		 10.95% -3.84% -121.99% -5.01% 21.58% 25.42% 26.34%
Debt Service Ratios		 - - - - - - -
EBIT to Interest Expense		 0.00 -0.25 -0.48 0.88 -0.22 1.07 0.80
NOPAT to Interest Expense		 0.00 -0.03 -0.30 -0.06 0.12 0.15 0.11
EBIT Less CapEx to Interest Expense		 0.00 -1.04 -0.48 0.88 -0.22 1.07 0.70
NOPAT Less CapEx to Interest Expense		 0.00 -0.82 -0.30 -0.06 0.12 0.15 0.02
Payout Ratios		 - - - - - - -
Dividend Payout Ratio		 143.47% 123.40% 0.00% -8,134.62% 0.00% 0.00% 17.44%
Augmented Payout Ratio		 143.47% 622.36% -53.25% -8,134.62% 4.66% 1.95% 19.38%

Quarterly Metrics And Ratios for Inter & Co. Inc.

No quarterly metrics and ratios for Inter & Co. Inc. are available.


Financials Breakdown Chart

Frequently Asked Questions About Inter & Co. Inc.'s Financials

When does Inter & Co. Inc.'s fiscal year end?

According to the most recent income statement we have on file, Inter & Co. Inc.'s financial year ends in December. Their financial year 2025 ended on December 31, 2025.

How has Inter & Co. Inc.'s net income changed over the last 6 years?

Inter & Co. Inc.'s net income appears to be on an upward trend, with a most recent value of $255.13 million in 2025, rising from $7.56 million in 2019. The previous period was $157.32 million in 2024. View Inter & Co. Inc.'s forecast to see where analysts expect Inter & Co. Inc. to go next.

How has Inter & Co. Inc.'s revenue changed over the last 6 years?

Over the last 6 years, Inter & Co. Inc.'s total revenue changed from $224.10 million in 2019 to $1.13 billion in 2025, a change of 402.4%.

How much debt does Inter & Co. Inc. have?

Inter & Co. Inc.'s total liabilities were at $16.11 billion at the end of 2025, a 47.9% increase from 2024, and a 404.1% increase since 2020.

How much cash does Inter & Co. Inc. have?

In the past 5 years, Inter & Co. Inc.'s cash and equivalents has ranged from $89.77 million in 2021 to $877.84 million in 2023, and is currently $694.09 million as of their latest financial filing in 2025.

How has Inter & Co. Inc.'s book value per share changed over the last 6 years?

Over the last 6 years, Inter & Co. Inc.'s book value per share changed from 0.00 in 2019 to 4.22 in 2025, a change of 422.3%.


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Financial statements for NASDAQ:INTR last updated on 5/3/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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