Is It Time To Reassess Inter & Co (INTR) After Its 70% One Year Share Price Jump

Simply Wall St.02-13

If you are wondering whether Inter & Co’s current share price lines up with its underlying worth, you are not alone and that is exactly what this article is here to unpack. The stock last closed at US...

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The stock last closed at US...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-intr/inter-co/news/is-it-time-to-reassess-inter-co-intr-after-its-70-one-year-s\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is It Time To Reassess Inter & Co (INTR) After Its 70% One Year Share Price Jump</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs It Time To Reassess Inter & Co (INTR) After Its 70% One Year Share Price Jump\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-02-13 16:32 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nasdaq-intr/inter-co/news/is-it-time-to-reassess-inter-co-intr-after-its-70-one-year-s><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>If you are wondering whether Inter & Co’s current share price lines up with its underlying worth, you are not alone and that is exactly what this article is here to unpack. The stock last closed at US...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-intr/inter-co/news/is-it-time-to-reassess-inter-co-intr-after-its-70-one-year-s\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU2045819591.USD","symbol_name":"Natixis WCM Global Emerging Markets Equity R/A USD","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nasdaq-intr/inter-co/news/is-it-time-to-reassess-inter-co-intr-after-its-70-one-year-s","article_id":"2611646132","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7012000-choice1-main-header/1585186660482"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nasdaq-intr/inter-co/news/is-it-time-to-reassess-inter-co-intr-after-its-70-one-year-s","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2611646132","pubTimestamp":1770971572,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"If you are wondering whether Inter & Co’s current share price lines up with its underlying worth, you are not alone and that is exactly what this article is here to unpack.\nThe stock last closed at US$9.03, with returns of 4.3% over 7 days, 6.6% over 30 days, 6.9% year to date and 70.7% over the past year, while its 3 year return sits at a very large level of around 3x.\nRecent attention on Inter & Co has been shaped by ongoing coverage of digital banking adoption in Brazil and the broader...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"LU2045819591.USD":"Natixis WCM Global Emerging Markets Equity R/A USD","LU0050427557.USD":"富达拉丁美洲基金","LU2125910849.SGD":"Natixis WCM Global Emerging Markets Equity R/A SGD","INTR":"Inter & Co Inc","LU2125910500.SGD":"Natixis WCM Global Emerging Markets Equity H-R/A SGD","BK4207":"综合性银行"},"translate_title":"Inter&Co(INTR)股价一年上涨70%后，是时候重新评估其股价了吗","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"INTR":1.5},"content_text":"If you are wondering whether Inter & Co’s current share price lines up with its underlying worth, you are not alone and that is exactly what this article is here to unpack. The stock last closed at US$9.03, with returns of 4.3% over 7 days, 6.6% over 30 days, 6.9% year to date and 70.7% over the past year, while its 3 year return sits at a very large level of around 3x. Recent attention on Inter & Co has been shaped by ongoing coverage of digital banking adoption in Brazil and the broader move toward fintech focused financial services. This keeps investor interest firmly on growth, customer acquisition and product expansion. These themes often frame how the market reacts to any new updates from the company, even when there is no single headline driving a sudden shift. On Simply Wall St’s valuation checks, Inter & Co scores a 3 out of 6. Next, we will walk through what that means across different valuation methods, before finishing with a way of thinking about valuation that could give you a clearer picture than any single model on its own.  Inter & Co delivered 70.7% returns over the last year. See how this stacks up to the rest of the Banks industry. AdvertisementApproach 1: Inter & Co Excess Returns Analysis The Excess Returns model looks at how much value a company can create above the return that shareholders require, based on its equity base and profitability, rather than focusing on cash flows alone. For Inter & Co, the starting point is its Book Value of $21.99 per share and an Average Return on Equity of 18.98%. Analysts estimate a Stable EPS of $5.71 per share, sourced from weighted future Return on Equity estimates from 8 analysts. Against a Cost of Equity of $3.36 per share, this implies an Excess Return of $2.35 per share. In other words, the model assumes the bank can generate earnings above the required return on its equity. The model also uses a Stable Book Value of $30.08 per share, based on weighted future Book Value estimates from 6 analysts, to project how these excess returns accumulate over time. Bringing all of this together, the Excess Returns valuation points to an intrinsic value of about $11.57 per share. This suggests the current price sits at a 22.0% discount and therefore looks undervalued on this basis. Result: UNDERVALUED Our Excess Returns analysis suggests Inter & Co is undervalued by 22.0%. Track this in your watchlist or portfolio, or discover 55 more high quality undervalued stocks. INTR Discounted Cash Flow as at Feb 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Inter & Co. Approach 2: Inter & Co Price vs Earnings For profitable companies, the P/E ratio is a useful quick check because it links what you pay for each share directly to the earnings that support that share price. It is essentially asking how many dollars investors are currently willing to pay for one dollar of earnings. What counts as a normal or fair P/E depends a lot on how the market views a company’s growth prospects and risk. Higher expected growth or lower perceived risk can support a higher multiple, while lower growth or higher risk usually lines up with a lower one. Inter & Co currently trades on a P/E of 17.08x. That sits above both the Banks industry average of 11.83x and the peer average of 12.65x. Simply Wall St’s Fair Ratio for Inter & Co is 18.67x, which is a proprietary estimate of the P/E investors might expect given factors such as earnings growth, profit margins, industry, market cap and risk profile. Because it blends these company specific inputs, it aims to be more tailored than a simple comparison with peers or the broader industry. Comparing the Fair Ratio of 18.67x with the current 17.08x suggests Inter & Co appears undervalued on this P/E-based view. Result: UNDERVALUED NasdaqGS:INTR P/E Ratio as at Feb 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Start investing in legacies, not executives. Discover our 23 top founder-led companies. Upgrade Your Decision Making: Choose your Inter & Co Narrative Earlier we mentioned that there is an even better way to understand valuation. On Simply Wall St you can use Narratives, where you write your own story for Inter & Co by choosing assumptions for future revenue, earnings, margins and a fair value. You can then link that story to a forecast and compare your Fair Value to the current price. The tool updates automatically as news or earnings arrive. For example, one investor might side with a cautious view closer to a Fair Value of about US$6.15, while another sees a stronger case nearer US$11.50. Narratives let you see those different views side by side on the Community page and decide which one best matches your own expectations. For Inter & Co however we'll make it really easy for you with previews of two leading Inter & Co Narratives: 🐂 Inter & Co Bull Case Fair value in this bull case narrative is set at about US$9.69 per share. At the last close of US$9.03, this view implies the shares are around 6.8% below that fair value estimate. The narrative is built on revenue growing at roughly 38.61% a year.  Analysts in this camp tie their outlook to strong user growth, rising digital engagement and broader financial inclusion supporting Inter & Co's ecosystem. They factor in ongoing cross selling across payments, credit, investments and insurance, with technology and efficiency work expected to support margins. On their numbers, a fair value close to US$9.69 per share lines up with higher future earnings and a P/E that eases from today's level but still supports the current business profile.  🐻 Inter & Co Bear Case Fair value in this bear case narrative is set at about US$6.15 per share. At the last close of US$9.03, this view implies the shares are around 46.8% above that fair value estimate. The narrative is built on revenue growing at roughly 41.69% a year.  This camp focuses on higher regulatory and compliance costs, rising competition in digital banking and pressure on margins as services become more commoditised. They highlight risks around rapid loan growth, credit quality in higher risk segments and macro uncertainty in Brazil and Latin America, which could lift provisions and weigh on returns. On their assumptions, a fair value closer to US$6.15 per share reflects a lower future P/E and a view that current market expectations are too optimistic, even with business growth built into the model.  Do you think there's more to the story for Inter & Co? Head over to our Community to see what others are saying! NasdaqGS:INTR 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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