Bullish case
$8.00 to $10.50
More likely if Inter & Co shows sustained net income growth above 30% YoY, net margin exceeds 25%, Brazilian rates decline, and price reclaims resistance near $7.50 with volume confirmation.
Inter & Co, Inc. research snapshot
INTR AI Stock Analysis
INTR AI stock analysis currently reads Inter & Co, Inc. as a Brazilian digital banking platform tied to consumer banking, credit cards, loans, insurance, and marketplace services. The page uses a scenario framework, not a certain price prediction. At the July 13, 2026 cutoff, the latest available close from July 10 was $5.82, market capitalization was about $2.56 billion, and the main decision point was whether improving profitability can offset macro headwinds and low near-term valuation sentiment. This is informational research and not investment advice.
Current price
$5.82
Market cap
$2.56 billion
AI score
62 / 100
Rating
Undervalued digital bank, macro sensitivity
Trend status
Near 52-week low with elevated volatility
Data cutoff (updated weekly)
July 13, 2026
Informational use only. This page is not investment advice.
Research quality check
- information Richness
- B-level information richness. Inter & Co has public filings and some analyst coverage, but trading volume is moderate and sell-side depth is limited compared to larger Brazilian banks.
- bias Check
- The AI bias risk is under-weighting macro risks because the company has good operating metrics but trades near a 52-week low. The analysis separates quote-verified facts from forward-looking judgments.
- ai Confidence
- Medium-high data confidence
- investment Certainty
- Low-medium. The stock can be useful for research screens, but position decisions require first-party filings, live chart data, and personal risk constraints.
Quick verdict table
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | Inter generates revenue from banking, cards, loans, insurance brokerage, marketplace, and asset management by serving Brazilian consumers through a mobile-first digital platform. | Medium |
| Moat | Moat comes from digital-first distribution, low-cost customer acquisition, growing product ecosystem, and brand recognition in Brazil, but competition from larger players like Nubank and Itau limits pricing power. | Medium-low |
| Management | Management has delivered consistent net income growth and improving margins. The key test is navigating Brazilian macro cycles and competitive pressure while maintaining asset quality. | Medium |
| Financial trend | Q1 2026 net income was R$394.79 million, up 44.7% YoY, with net margin expanding to 23.79%. Full-year FY2025 revenue was roughly $1.59 billion USD with net income of about $234.91 million. | Medium-high |
| Valuation | At $5.82, INTR trades at a P/E of roughly 9.24x, which is low for a growing digital bank. The implied valuation is attractive if earnings hold, but a discount is warranted given macro and competitive risks. | Medium |
| Technical trend | Price is near the 52-week low of $5.16 after declining from a January 2026 high of $10.36. The trend is bearish in the medium term with potential mean-reversion setups. | Medium |
| Risk level | The thesis can fail if Brazilian interest rates stay high, credit losses rise, competition from larger banks intensifies, or BRL depreciation pressures reported USD-equivalent metrics. | Medium-high |
| AI confidence | Medium-high data confidence for qualitative mapping and quote math. Lower confidence for forward returns given macro 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
INTR AI Stock Forecast Scenarios
The INTR AI stock forecast uses scenario ranges around the $5.82 quote rather than a point target. 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.
Base case
$5.00 to $7.50
More likely if earnings remain solid but macro headwinds and competition limit multiple expansion, and the stock trades around current valuation while investors wait for clearer macro signals.
Bearish case
$3.50 to $4.80
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 technical support breaks below the 52-week low.
INTR AI technical analysis
INTR AI Technical Analysis
INTR AI technical analysis starts from the $5.82 quote with the 52-week range of $5.16 to $10.36. 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 | $5.82 | Current quote used for this page as of the July 13, 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 | $6.50 to $7.50 | Estimated from recent trading range. 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 | Requires live chart confirmation | Use current chart data before acting. The page does not fetch request-time market data. |
| 200-day moving average | Requires live chart confirmation | Long-term trend confirmation should be checked against a live chart or broker data. |
| Momentum | Near 52-week low with elevated volatility | The price is in a medium-term downtrend but approaching a potential mean-reversion zone. |
| Volume | Monitor for accumulation signs | The source snapshot showed moderate trading activity. 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
INTR AI Trading Strategy Framework
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.
Trend-following setup
Wait for INTR to confirm a base above $5.50 and push through the $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.
Mean-reversion 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 and macroeconomic datapoints.
Do not average down without a predefined maximum loss and a fresh review of Brazilian macro conditions and credit quality.
Fundamental monitor
Track the evidence that matters most for Inter & Co: net income growth, net interest margin, asset quality, customer acquisition cost, marketplace revenue, and Brazilian interest rate trajectory.
Reduce confidence when price moves are driven by macro noise without matching business performance improvement.
Investment research summary
Four-master Research Compression
Business essence
Inter earns from banking, cards, loans, insurance, marketplace, and asset management by serving Brazilian consumers through a digital-first platform with lower costs than traditional banks.
Moat
Moat comes from digital distribution, low-cost customer acquisition, and an expanding product ecosystem, but is challenged by competition from Nubank, BTG Pactual, and Itau.
Munger risk inversion
The thesis can fail if Brazilian interest rates stay high, credit losses rise materially, larger competitors capture digital market share, or BRL depreciation pressures reported metrics.
Management
Management has demonstrated strong operating execution with consistent profit growth and margin expansion. The key capital-allocation question is balancing growth investment with shareholder returns.
Industry trend
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.
Valuation and margin of safety
At roughly 9.24x P/E and near a 52-week low, INTR appears undemanding on earnings power. Safety margin depends on earnings durability and Brazilian macro stability.
Source-backed data
INTR Data Table
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| INTR price | $5.82 at July 10, 2026 close | Google Finance and TradingView cross-check | July 13, 2026 |
| Market capitalization | $2.56 billion, verified as $5.82 x 439.86 million implied shares using financial_rigor.py | financial_rigor.py market cap verification and TradingView | July 13, 2026 |
| P/E ratio | 9.24x based on TTM EPS of $0.63 | Google Finance and financial_rigor.py PE verification | July 13, 2026 |
| Q1 2026 net income | R$394.79 million, up 44.7% YoY | Google Finance income statement | July 13, 2026 |
| 52-week range | $5.16 to $10.36 | Google Finance | July 13, 2026 |
| Exchange | NASDAQ | TradingView and Google Finance | July 13, 2026 |
| Dividend yield | 1.94%, $0.03 quarterly | Google Finance | July 13, 2026 |
| Financial statement depth | Public filings available, two-source statement checks still required before investment use | Research quality check | July 13, 2026 |
Frequently Asked Questions
Use Pineify AI Stock PickerBuild an AI trading strategyRun an AI stock screenerRead the NU AI stock analysisRead the XP AI stock analysis
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 July 13, 2026, may be incomplete, and can be wrong if new filings, market prices, company events, or macro conditions change.
Related Tools
Trading Strategy Builder
Design trading strategies visually with 10+ indicators. Set entry/exit conditions and risk management, then generate Pine Script code with no coding required.
Try it
Stock Screener
Filter and discover stocks based on market cap, dividend yield, P/E ratio, sector, and more. Screen thousands of stocks with real-time data.
Try it
AI Stock Picker & Screener
Smart AI-driven stock selection with fundamental screening, analyst estimates, and key metrics. Filter by P/E, market cap, dividends, and more.
Try it