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50

INTR

🏦 Financial Services

Inter & Co, Inc.

Conservative #573Aggressive #525Low RiskModerate 60ML↑ 20pt
$9.04+1.46%
Day High$9.10
Day Low$8.89
Volume1.6M
Mkt Cap$4.0B
52W Low $552W High $10
Market Cap
$4.1B
P/E Ratio
16.0
Sector avg: 49.4
Rev Growth
50.5%
Sector avg: 13.4%
Earnings Growth
41.8%
Profit Margin
9.0%
Sector avg: -2.8%
Debt/Equity
1.71

Why This Score

INTR scores 49.8 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Risk Factors
  • Signal divergence: Fundamental and ML signals disagree by a significant margin, reducing confidence.
  • Above-average volatility (11.6%) may not suit conservative risk tolerance.
  • Elevated leverage (D/E 1.71) increases financial risk in a rising-rate environment.

Minor adjustments (-1.3 points) applied. INTR's rank of #573 primarily reflects its factor profile relative to the conservative weight vector.

Score Breakdown

Overall Score49.8
Fundamental Score51.9
ML Score28.0

Score by Horizon

3 Month
64.7
6 Month
72.3
Primary
1 Year
76.1

Quality Assessment

B
Earnings Grade
Solid fundamentals with minor quality concerns
Quality Flags
High accrual ratio (-215.6%) — earnings quality concern

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
100
Advancing
Sentiment (2.5%)
71
Positive
Analyst (6.4%)
58
Neutral
Tradability (post-hoc)
90
Grade A
Base
47.1
SHAP
+3.2
Factors
+0.8
Divergence
-1.3
Final
49.8
Positive adjustment
Negative adjustment
Base blend
Final score

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)65.0
Technical (Momentum, Weinstein, Volatility)81.0
External (Sentiment, Analyst, Macro)82.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
+2.0% to +6.6%
Medium-term
+3.9% to +11.0%
Long-term
+5.8% to +15.4%

ML Model Core Features100 trained inputs → ML Score: 28

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score58.3/100
Target Upside+27.8%
Coverage6 analysts
Market Sentiment
Sentiment Score71.2/100
News Volume1 articles
Technical Stage
Weinstein Stage2 — Advancing
12M Momentum+0.7%
6M Momentum+0.0%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration+63.7%
Momentum ConsistencyWeak (0.02)
Relative Strength vs Sector+56.5%
Trend Strength (ADX Proxy)Strong (5.0)
Momentum Quality+0.575
Momentum BreadthBroad ✓
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
2%
Low risk
Sector RevGr Rank
P93
Revenue growth vs Financial Services peers
Sector PE Rank
P37
Valuation vs Financial Services peers
Sector FCF Rank
P90
Free cash flow vs Financial Services peers
Growth Deviation
+0.7σ
Z-score vs sector median
Stagnation Flag
NO
Not flagged

Analysis Signals

Scoring Factors
Fundamental score of 56 relative to sector peers56/100
Machine learning model ranks this stock at the 76th percentileP76
ML model weight reduced to 9% due to macro conditions: market in extended rally phase; yield curve inverted (recession indicator); late-cycle economic indicators detected9% ML weight
SHAP feature alignment: +5.0pt (features align with model priorities)—
Blend: 91% fund (55.7) + 9% ML (75.6) + SHAP(+5.0) = 62.5—
Factor quality: +1.3pt (multi-factor composite)—
Risk assessment: low. Annualized volatility 11.6%. Max drawdown 12% (-1.6 pts)Low
Market cap adjustment: +0.5 points ($4.1B market cap)+0.5 pts
Divergence penalty: -1.4pt (ML 20pt higher)—
Risk Factors
Earnings quality grade B: adequate earnings quality with minor concerns. Score adjusted by -10 pointsGrade B
Quality concern: High accrual ratio (-215.6%) — earnings quality concern; CRE concentration risk: regional bank with likely elevated commercial real estate exposure — forward-looking impairment risk not captured by trailing fundamentals; High leverage: D/E ratio of 1.7x — elevated balance sheet riskFlag

Sector Peer Comparison(Financial Services — Rank #169 of 356 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
INTR49.816.050.5%9.0%$4.1B
CME84.927.29.9%57.5%$109.0B
CINF82.310.711.4%18.9%$25.4B
ACT82.08.92.4%54.6%$6.0B
SEIC80.914.010.7%27.3%$9.6B
TROW79.310.13.1%28.5%$20.5B
FHB78.311.83.2%24.2%$3.3B
MCHB77.70.0123.7%23.2%$3.4B
TRMK75.611.934.8%19.3%$2.7B
BCAL74.39.926.2%27.1%$613M
NMIH73.97.78.4%55.1%$3.0B
FFIN73.218.811.7%30.7%$4.8B
TW73.130.018.9%39.6%$24.8B
VCTR73.118.38.8%32.3%$4.9B
VLY72.412.5-2.2%17.1%$7.5B
QQQX72.310.448.6%257.3%$1.4B
Sector Average45.849.413.4%-2.8%—

Market Sentimentvia FMP

Analyst Consensus
Buy6 analysts
Buy: 3Hold: 2Sell: 1
Price Target
$11consensus
Low $10Median $11High $12
+21.7% to consensus target

Company Overviewvia FMP

Inter & Co, Inc., through its subsidiaries, engages in the banking, securities, insurance brokerage, marketplace, asset management, and services businesses. The company's Banking segment offers banking products and services, including checking accounts, cards, deposits, loans and advances, and other services. Its Securities segment provides services relating to the purchase, sale, and custody of securities; and portfolio management, as well as the establishment, organization, and management of investment funds. The company's Insurance Brokerage segment offers life, property, auto, financial, lost or stolen credit card, dental, warranties, travel, and credit protection insurance products. Its Marketplace segment operates a digital platform that offer goods and/or services to its customers. The company's Asset Management segment is involved in the operations related to the management of fund portfolios and other assets. Its Services segment provides services in the collection and management of personal information; development and licensing of customized and non-customized computer programs; and technical support, maintenance, and other information technology services. The company was founded in 1994 and is based in Belo Horizonte, Brazil.

CEO
Joao Vitor Nazareth Menin Teixeira de Souza
Employees
4,030
Beta
1.17
Industry
Banks - Regional
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
47.6
Neutral
Trend
Bullish
10-day vs 50-day MA
From 52W High
-12.7%
High: $10.36
From 52W Low
+86%
Low: $4.86
Moving Averages
10-Day
$8.90
Above
20-Day
$9.10
Below
50-Day
$8.80
Above
200-Day
$8.30
Above
60-Day Support
$7.89
60-Day Resistance
$10.36
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 2 — AdvancingScore: 76/100

Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.

Favorable technical position; 50-day SMA acts as support
Price vs 200 SMA
+8.9%
200 SMA Slope (60d)
+12.52%
Rising
Volume Ratio
1.2x
10d avg vs 50d avg
Days in Stage
100
Confidence: 90%

Financial Statementslast 4 quarters via FMP

MetricQ4 2025Q3 2025Q2 2025Q1 2025
Revenue$4.3B$3.8B$3.4B$3.0B
Gross Profit$1.8B$1.5B$1.4B$1.3B
Operating Income$472M$418M$384M$358M
Net Income$380M$336M$315M$287M
EPS (Diluted)$0.88$0.75$0.71$0.65
Gross Margin42.3%39.9%41.8%43.0%
Operating Margin10.9%11.0%11.2%11.9%
Net Margin8.8%8.8%9.2%9.5%

Why This Stock

Financial ServicesP/E ratio of 16.0Revenue growth 50.5%Valuation below sector median (P/E 16.0)

Tradability FilterGrade A — 90/100Score impact: -5.9pt

Volume
100
2.8M avg/day
Dollar Vol
83
$24M/day
Float
100
330M shares
Mkt Cap
64
$4.1B
Range
100
113% spread
Composite Liquidity Score90/100
FDCBA

Multi-Year Range Analysis

Sideways: 0/100
YearLowHighRangeStatus
2022$1.72$4.6391.7%Wide
2023$1.37$5.95125.1%Wide
2024$3.88$7.8467.6%Wide
2025$4.00$10.2287.5%Wide
3-Year Range
152.7%
Narrow Years
0 / 4
Sideways Penalty
None
Free Float
74.9%
Outstanding Shares
440M
Bid-Ask Spread
113.0%
Institutional Tradable
Yes

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.