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 Outstanding results in Mar 26
- The company has declared positive results for the last 10 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 645.85 MM
- ROCE(HY) Highest at 1.59%
- NET SALES(Q) Highest at USD 670.34 MM
4
With ROA of 1.06%, it has a very attractive valuation with a 1.83 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 -28.04%, its profits have risen by 39.8% ; the PEG ratio of the company is 0.6
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, Low Return
Absolute
Risk Adjusted
Volatility
Inter & Co., Inc.
-28.04%
-0.11
49.58%
S&P 500
25.41%
1.92
13.25%
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
60.25%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.83
EV to EBIT
28.17
EV to EBITDA
22.44
EV to Capital Employed
1.30
EV to Sales
3.15
PEG Ratio
0.59
Dividend Yield
NA
ROCE (Latest)
4.60%
ROE (Latest)
13.17%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend31What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 645.85 MM
ROCE(HY)
Highest at 1.59%
NET SALES(Q)
Highest at USD 670.34 MM
OPERATING PROFIT(Q)
Highest at USD 94.78 MM
PRE-TAX PROFIT(Q)
Highest at USD 94.47 MM
NET PROFIT(Q)
Highest at USD 78.35 MM
NII(Q)
Highest at USD 337.13 MM
EPS(Q)
Highest at USD 0.17
-7What is not working for the Company
INTEREST(9M)
At USD 955.62 MM has Grown at 86.1%
ROCE(HY)
Lowest at 1.59%
GROSS NPA (%)
(Q
Here's what is working for Inter & Co., Inc.
Operating Cash Flow
Highest at USD 645.85 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 670.34 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 670.34 MM has Grown at 54.07%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 94.78 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 94.47 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 78.35 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 337.13 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Profit
At USD 78.35 MM has Grown at 54.43%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.17
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Inter & Co., Inc.
Interest
At USD 955.62 MM has Grown at 86.1%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Non Performing Loans (%)
Highest at 5.95%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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