Financial Snapshot

Revenue
Gross Margin
Net Earnings
$782.8M
TTM
Current Assets
Current Liabilities
$19.91B
Q3 2024
Current Ratio
Total Assets
$69.93B
Q3 2024
Total Liabilities
$61.22B
Q3 2024
Book Value
$8.707B
Q3 2024
Cash
P/E
2.240
Nov 29, 2024 EST
Free Cash Flow
$2.613B
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018
Revenue
YoY Change

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018
Revenue
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $160.4M $164.0M $58.34M $43.66M $17.46M $2.607M
YoY Change -2.15% 181.08% 33.62% 150.05% 569.74%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018
Interest Expense 2.888B brls 1.973B brls 543.2M brls 184.3M brls
YoY Change 46.37% 263.16% 194.7%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018
Pretax Income $439.8M -$178.6M -$231.1M -$7.023M $685.0K $69.34M
YoY Change -346.31% -22.72% 3190.08% -1125.26% -99.01%
Income Tax $87.58M -$164.5M -$176.0M -$37.71M -$29.69M $13.63M
% Of Pretax Income 19.91% -4333.72% 19.65%
Net Earnings $302.3M -14.08M brls -$72.67M $17.91M $27.68M $53.62M
YoY Change -2247.47% -80.63% -505.71% -35.3% -48.37%
Net Earnings / Revenue
Basic Earnings Per Share
Diluted Earnings Per Share $0.75 -$0.03 -$317.6K $78.28K $121.0K $234.4K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $167.5M $188.0M $163.5M $137.8M $91.85M $13.83M
YoY Change -10.89% 15.01% 18.59% 50.08% 564.14%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $90.63M $72.09M $82.45M
YoY Change 25.72% -12.56%
Other Assets $1.208B $1.145B $825.3M $325.9M $233.8M $135.8M
YoY Change 5.48% 38.75% 153.21% 39.38% 72.24%
Total Long-Term Assets
YoY Change
Total Assets $60.35B $46.34B $36.63B $19.92B $10.08B $5.631B
YoY Change
Accounts Payable $9.522B $7.907B $5.341B $1.757B $1.152B $737.4M
YoY Change 20.43% 48.03% 204.03% 52.44% 56.29%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $8.095B $6.202B $3.572B $1.729B $1.720B $1.764B
YoY Change 30.52% 73.63% 106.55% 0.57% -2.51%
Long-Term Debt Due $6.016M
YoY Change
Total Short-Term Liabilities $17.99B $14.28B $5.420B $1.787B $1.171B $747.7M
YoY Change 25.99% 163.4% 203.26% 52.66% 56.56%
Long-Term Debt $221.8M $183.2M $162.2M $138.7M $100.3M $31.99M
YoY Change 21.1% 12.95% 16.88% 38.37% 213.43%
Other Long-Term Liabilities $1.862B $1.122B $599.7M $444.5M $188.7M $137.1M
YoY Change 65.98% 87.11% 34.91% 135.61% 37.61%
Total Long-Term Liabilities $2.084B $1.305B $761.8M $583.2M $288.9M $169.1M
YoY Change 59.68% 71.33% 30.62% 101.87% 70.87%
Total Liabilities $52.88B $39.35B $33.97B $16.65B $7.919B $4.699B
YoY Change 34.38% 15.84% 104.07% 110.19% 68.52%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019 2018
Basic Shares Outstanding
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $1.7536 Billion

About Inter & Co, Inc.

Inter & Co., Inc. Is a holding company, which engages in the provision of financial products and services. The company is headquartered in Belo Horizonte, Minas Gerais and currently employs 3,235 full-time employees. The company went IPO on 2022-06-23. The firm's objective is to operate as a digital multi-service bank for individuals and companies, and among its main activities are real estate loans, payroll credit, credit for companies, rural loans, credit card operations, checking account, investments, insurance services, as well as a marketplace of non-financial services provided by means of its subsidiaries. The firm helps their customers to manage their money, providing a complete digital checking account where the Group can deliver a broad range of financial solutions through the Super App. Through the Super App, Inter & Co Inc's clients can shop on-line in a high variety of stores, as well as purchase, for example a plane ticket and book hotels.

Industry: Commercial Banks, NEC Peers: Nu Holdings Ltd.