)
Visual
test
Inter & Co
Inter & Co (INTR) investor relations material
Inter & Co Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary13 Nov, 2025
Executive summary
Achieved record net income of R$336 million in 3Q25, up 39% year-over-year, with ROE reaching 14.2% and ROA at 1.52%.
Added 1.2 million new active clients, bringing total to 41.3 million, with improved onboarding and activation rates.
Celebrated 10-year anniversary as Brazil's first digital bank, emphasizing innovation, customer centricity, and operational excellence.
Maintained high client engagement, with over 20 million daily logins and 850 million transactions in September.
Financial highlights
Net revenue reached R$2.2 billion, up 29% year-over-year and 8% sequentially, with total gross revenue at R$4.0 billion (+48% YoY).
Loan portfolio grew 30% year-over-year to R$43.8 billion, led by credit cards, payroll/personal loans, and mortgages.
Efficiency ratio improved to 45.2%, reflecting strong cost control and operational leverage.
Funding franchise expanded 35% year-over-year to R$68 billion, with average deposit per client exceeding R$2,060.
Basel ratio at 14.6%, reflecting a robust capital base despite rapid credit growth.
Outlook and guidance
Long-term targets reaffirmed: 60 million clients, 30% efficiency ratio, and 30% ROE, though timing may be affected by high SELIC rates.
Expect continued NIM expansion, strong monetization from new products, and fee income growth around 20% annually.
Focus on scaling digital platform, expanding high-value credit segments, and leveraging AI for personalization and cross-selling.
Mitigate rising CoR with 30% loan growth
Path to 30% efficiency and ROE targets
Private Payroll Loan's long-term strategic impact
What drives 30% ROE target given Selic headwinds?
Loan growth strategy amid market derisking?
Reaccelerate fee income growth?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebHTOO
Resale registration for 71,429 shares via warrant, with proceeds only on exercise; financial risks persist. - 6 FebVSAT
Q3 revenue up 3% to $1.16B, net income $25M, strong cash flow, Ligado boost, satellite focus. - 6 FebWEC
Targets 7–8% EPS growth, $37.5B capex, and coal exit by 2032 amid surging data center demand. - 6 FebBR
Q2 FY26 recurring revenue grew 8% and adjusted EPS guidance was raised to 9-12%. - 6 FebFFWM
Merger vote includes new non-voting stock class with limited conversion and no voting rights. - 6 FebKKR
Charter amendments seek to modernize governance and establish one share, one vote by 2026. - 6 FebARI
Proposed $9B real estate loan portfolio acquisition highlights disciplined, long-term strategy. - 6 FebSMCI
Q2 revenue jumped 123% to $12.7B, with FY26 guidance raised to at least $40B. - 6 FebRJF
Record revenues and assets, higher dividend, and acquisitions despite lower net income. - 6 FebFFIE
Raising capital for global EV and AI expansion, with regulatory and dilution risks highlighted.
Next Inter & Co earnings date
Q4 202511 Feb, 2026
Inter & Co
Next Inter & Co earnings date
Q4 202511 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Inter & Co Inc., trading as INTR on the NASDAQ, is a diversified financial services company based in Brazil, encompassing a broad spectrum of activities including banking, securities, insurance brokerage, marketplace, asset management, and various service businesses. Its banking segment offers an extensive range of products and services such as checking accounts, cards, deposits, loans, and more. The company's securities segment provides services related to the purchase, sale, custody of securities, portfolio management, and the management of investment funds. The insurance brokerage segment delivers a variety of insurance products, while the marketplace operates a digital platform offering goods and services to customers. Inter & Co's asset management segment involves managing fund portfolios and other assets. Additionally, the services segment offers a range of IT and data management services. The company is headquartered in Belo Horizonte, Brazil, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage