ScoreWhy is Inter & Co., Inc. ?
1
The Bank has a high Capital Adequacy Ratio of 347.31% signifying high buffers against its risk based assets
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 200.81%
3
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- The company has declared positive results for the last 6 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 587.26 MM
- ROCE(HY) Highest at 1.55%
- NET SALES(Q) Highest at USD 636.68 MM
4
With ROA of 1.05%, it has a very attractive valuation with a 1.93 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 34.72%, its profits have risen by 39.8% ; the PEG ratio of the company is 0.6
5
High Institutional Holdings at 55.97%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Inter & Co., Inc. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Inter & Co., Inc. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Inter & Co., Inc.
34.72%
0.77
46.09%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
356.06%
EBIT Growth (5y)
276.61%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0.01%
Pledged Shares
0
Institutional Holding
55.97%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
1.93
EV to EBIT
28.92
EV to EBITDA
23.04
EV to Capital Employed
1.33
EV to Sales
3.23
PEG Ratio
0.62
Dividend Yield
NA
ROCE (Latest)
4.60%
ROE (Latest)
13.17%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend26What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 587.26 MM
ROCE(HY)
Highest at 1.55%
NET SALES(Q)
Highest at USD 636.68 MM
OPERATING PROFIT(Q)
Highest at USD 90.51 MM
PRE-TAX PROFIT(Q)
Highest at USD 88.97 MM
NET PROFIT(Q)
Highest at USD 71.77 MM
NII(Q)
Highest at USD 317.79 MM
EPS(Q)
Highest at USD 0.16
-8What is not working for the Company
INTEREST(9M)
At USD 873.63 MM has Grown at 89.84%
ROCE(HY)
Lowest at 1.55%
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 97.51%
Here's what is working for Inter & Co., Inc.
Operating Cash Flow
Highest at USD 587.26 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 636.68 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Net Sales
At USD 636.68 MM has Grown at 92.79%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 90.51 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 88.97 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 71.77 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 317.79 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
EPS
Highest at USD 0.16
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Depreciation
Highest at USD 20.78 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 20.78 MM has Grown at 33.98%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Inter & Co., Inc.
Interest
At USD 873.63 MM has Grown at 89.84%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Non Performing Loans (%)
Highest at 5.55%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Credit Deposit Ratio
Lowest at 97.51%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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