Inter & Co, Inc. research snapshot
INTR AI stock analysis currently reads Inter & Co, Inc. as a Brazilian digital banking platform tied to consumer banking, cards, loans, insurance brokerage, investments, and marketplace services. The page uses a scenario framework, not a certain price prediction. At the August 2026 research cutoff, the latest available close from August 3, 2026 was $5.63, market capitalization was about $2.49 billion, and the next earnings report is scheduled for August 5, 2026. The main decision point was whether fast credit and revenue growth can keep offsetting macro, currency, and competitive risks while the stock trades below its 50-day and 200-day moving averages. This is informational research and not investment advice.
Current price
$5.63
Market cap
$2.49 billion
AI score
63 / 100
Rating
Undervalued digital bank, macro sensitivity
Trend status
Below 50-day and 200-day averages, near 52-week low
Data cutoff (updated monthly)
August 4, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | Inter generates revenue from banking and spending, investments, insurance brokerage, marketplace (Inter Shop), and other services by serving Brazilian consumers through a mobile-first digital platform, with a growing US presence. | Medium |
| Moat | Moat comes from digital-first distribution, low-cost customer acquisition, a broad product ecosystem, and brand recognition in Brazil, but competition from Nubank, Itau, and other players limits pricing power. | Medium-low |
| Management | Management set a Rule of 50 north star (50%+ annual growth and ROE) in May 2026 after a record first quarter. The key test is balancing fast credit expansion with asset quality through Brazilian macro cycles. | Medium |
| Financial trend | Q1 2026 net income was R$394.79 million with net margin of 23.79%. Full-year FY2025 revenue was R$8.40 billion with net income of about R$1.31 billion, up roughly 45% year over year. | Medium-high |
| Valuation | At $5.63, INTR trades at a TTM P/E of roughly 9x (about 8.9x per Google Finance and 9.2x per StockAnalysis) and a forward P/E near 6.8x. The implied valuation is low for a growing digital bank, but a discount is warranted given macro, currency, and competitive risks. | Medium |
| Technical trend | Price is below the 50-day average near $5.68 and far below the 200-day average near $7.76, after declining from a January 2026 high of $10.36. RSI near 50.7 is neutral, with the stock just above the 52-week low of $5.16. | Medium |
| Risk level | The thesis can fail if Brazilian interest rates stay high, credit losses rise as the loan book expands, competition from larger banks intensifies, or BRL depreciation pressures reported USD-equivalent metrics. | Medium-high |
| AI confidence | Medium-high data confidence for quote mapping and reported-figure math. Lower confidence for forward returns given macro and asset quality uncertainty. | Medium-high |
| Investment certainty | Low-medium certainty because the page gives a framework, not a personalized buy or sell instruction. | Low-medium |
INTR AI stock forecast
The INTR AI stock forecast uses scenario ranges around the $5.63 quote rather than a point target. Analysts surveyed by S&P Global carry a Buy consensus with an average target near $9.33 and a range from $4.80 to $12.50. The bullish case requires stronger evidence on earnings growth, margin expansion, and macro stabilization; the base case assumes mixed signals with valuation support; the bearish case assumes the main risk path becomes visible.
$8.50 to $12.00
More likely if Inter & Co sustains net income growth above 30% year over year, net margin holds above 20%, Brazilian rates decline, and price reclaims the 50-day average near $5.68 and then the 200-day average near $7.76 with volume confirmation.
$5.50 to $8.50
More likely if earnings remain solid but macro headwinds, currency moves, and competition limit multiple expansion, and the stock trades around current valuation while investors wait for clearer macro signals and the August 5, 2026 earnings report.
$4.00 to $5.20
More likely if these risk paths appear: credit losses rise materially, competition lowers spreads in the Brazilian digital banking space, BRL depreciates further, or macro conditions worsen and price breaks decisively below the 52-week low of $5.16.
INTR AI technical analysis
INTR AI technical analysis starts from the $5.63 quote with the 52-week range of $5.16 to $10.36. The stock sits just below the 50-day average near $5.68 and well below the 200-day average near $7.76. Because this static page does not fetch request-time chart data, moving averages and live momentum should be confirmed in a charting tool before use.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $5.63 | Close on August 3, 2026, used for this page at the August 2026 data cutoff. |
| Near support | $5.16 to $5.50 | Estimated from the 52-week low and the current quote area. Treat as a planning zone, not a guaranteed floor. |
| Near resistance | $6.00 to $6.50 | Estimated from the recent trading range just above the 50-day average. A close above this zone would improve short-term momentum. |
| 52-week high | $10.36 | Reached in January 2026. The distance from the current price shows the severity of the decline and the potential recovery range. |
| 50-day moving average | About $5.68 | The stock closed just below this average. Confirm the level with a live chart before acting. |
| 200-day moving average | About $7.76 | The stock is well below this long-term average, which keeps the medium-term trend bearish until reclaimed. |
| Momentum | Neutral RSI near 50.7 | RSI data from the August 2026 snapshot. The price is in a medium-term downtrend but near a potential mean-reversion zone. |
| Volume | Monitor for accumulation signs | The August 3, 2026 session had volume near the average. Volume spikes at support can signal institutional interest. |
| Volatility | High monitoring priority | Use position sizing that can tolerate wide daily movement for this ticker. |
| Invalidation | Close below $5.16 | A decisive close below the 52-week low would weaken the short-term setup. |
INTR AI trading strategy
The INTR AI trading strategy is a rules-based research framework. It is not personalized advice and should be paired with position sizing, stop levels, and fresh filings or news checks around the August 5, 2026 earnings report.
Wait for INTR to reclaim and hold the 50-day average near $5.68, then push through the $6.00 to $6.50 resistance zone with volume that signals renewed buyer demand.
A close below $5.16 (52-week low) or a failed breakout should invalidate the setup.
If INTR approaches the $5.16 to $5.50 support band without a fundamental thesis break, compare price action and volume with the next earnings report and Brazilian macro datapoints.
Do not average down without a predefined maximum loss and a fresh review of Brazilian macro conditions and credit quality.
Track the evidence that matters most for Inter & Co: net income growth, net interest margin, asset quality and NPL trends, customer acquisition cost, marketplace revenue, US expansion progress, and the Brazilian interest rate trajectory.
Reduce confidence when price moves are driven by macro noise without matching business performance improvement.
Investment research summary
Inter earns from banking, cards, loans, insurance brokerage, investments, and marketplace by serving Brazilian consumers through a digital-first platform with lower costs than traditional banks, and is extending into the US market.
Moat comes from digital distribution, low-cost customer acquisition, and an expanding product ecosystem, but is challenged by competition from Nubank, Itau, BTG Pactual, and other Brazilian digital and traditional banks.
The thesis can fail if Brazilian interest rates stay high, credit losses rise as loan growth accelerates, larger competitors capture digital market share, or BRL depreciation pressures reported metrics.
Management delivered record results and set a Rule of 50 target (50%+ annual growth and ROE) in May 2026. The key capital-allocation question is balancing fast credit expansion and US investment with asset quality and shareholder returns.
Brazilian digital banking and financial inclusion remain long-term growth trends. Inter benefits from the structural shift from traditional banking to digital platforms, but faces cyclical credit risk and rising competitive intensity.
At roughly 9x TTM P/E, a forward P/E near 6.8x, and a price near the 52-week low, INTR appears undemanding on earnings power. Safety margin depends on earnings durability, asset quality, and Brazilian macro stability.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| INTR price | $5.63 at August 3, 2026 close | Google Finance and StockAnalysis cross-check | August 4, 2026 |
| Market capitalization | $2.49 billion, verified as $5.63 x 441.49 million shares using financial_rigor.py | financial_rigor.py market cap verification and StockAnalysis | August 4, 2026 |
| P/E ratio | 8.86x per Google Finance with TTM EPS of $0.64 | Google Finance and financial_rigor.py PE verification | August 4, 2026 |
| Forward P/E | About 6.8x | StockAnalysis statistics | August 4, 2026 |
| Q1 2026 net income | R$394.79 million, net margin of 23.79% | Google Finance income statement | August 4, 2026 |
| FY2025 results | Revenue of R$8.40 billion, net income of about R$1.31 billion | StockAnalysis financials (Fiscal.ai) | August 4, 2026 |
| 52-week range | $5.16 to $10.36 | Google Finance and StockAnalysis | August 4, 2026 |
| Moving averages | 50-day about $5.68, 200-day about $7.76 | StockAnalysis statistics | August 4, 2026 |
| Dividend yield | About 2.0%, annual dividend of $0.11 | Google Finance and StockAnalysis | August 4, 2026 |
| Analyst consensus | Buy with average target of $9.33, range $4.80 to $12.50 | StockAnalysis forecast (S&P Global) | August 4, 2026 |
| Next earnings date | August 5, 2026 | StockAnalysis | August 4, 2026 |
| Financial statement depth | Public SEC filings available, two-source statement checks still required before investment use | Research quality check | August 4, 2026 |
This INTR AI stock analysis page is an informational tool only. It is not investment advice, a recommendation, or a promise of future returns. Forecast scenarios are based on available data as of August 2026, may be incomplete, and can be wrong if new filings, market prices, company events, or macro conditions change.
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