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 190.21%
3
The company has declared Positive results for the last 6 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 774.21 MM
- ROCE(HY) Highest at 1.42%
- NET PROFIT(Q) Highest at USD 58.06 MM
4
With ROA of 0.94%, it has a fair valuation with a 1.97 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 96.67%, its profits have risen by 89.4% ; the PEG ratio of the company is 0.2
5
Market Beating Performance
- The stock has generated a return of 96.67% in the last 1 year, much higher than market (S&P 500) returns of 15.98%
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.
65.27%
0.96
45.35%
S&P 500
13.99%
0.81
19.85%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
315.66%
EBIT Growth (5y)
270.77%
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
54.97%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
1.97
EV to EBIT
31.81
EV to EBITDA
26.25
EV to Capital Employed
1.32
EV to Sales
4.27
PEG Ratio
0.18
Dividend Yield
NA
ROCE (Latest)
4.14%
ROE (Latest)
12.05%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
No Trend
OBV
Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 774.21 MM
ROCE(HY)
Highest at 1.42%
NET PROFIT(Q)
Highest at USD 58.06 MM
NII(Q)
Highest at USD 265.95 MM
NET SALES(Q)
Highest at USD 517.23 MM
OPERATING PROFIT(Q)
Highest at USD 70.16 MM
PRE-TAX PROFIT(Q)
Highest at USD 70.51 MM
EPS(Q)
Highest at USD 0.13
-5What is not working for the Company
INTEREST(9M)
At USD 614.11 MM has Grown at 35.29%
ROCE(HY)
Lowest at 1.42%
OPERATING PROFIT MARGIN(Q)
Lowest at 13.56 %
Here's what is working for Inter & Co., Inc.
Operating Cash Flow
Highest at USD 774.21 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 Profit
Highest at USD 58.06 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 265.95 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 517.23 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Sales
At USD 517.23 MM has Grown at 49.6%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 70.16 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 70.51 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
EPS
Highest at USD 0.13
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Depreciation
Highest at USD 13.52 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for Inter & Co., Inc.
Interest
At USD 614.11 MM has Grown at 35.29%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Operating Profit Margin
Lowest at 13.56 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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