COF vs INTR
Capital One vs Inter & Co, Inc. — AI-powered side-by-side comparison
VS
INTR
Inter & Co, Inc.
64
Buy
| Metric | COF | INTR |
|---|
| AI Score |
73
|
64
|
| Price |
$219.04
|
$5.21
|
| P/E Ratio |
13.56×
|
7.71×
|
| ROE |
2.2%
|
12.9%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
66.2%
|
40.4%
|
| Debt / Equity |
0.40×
|
3.10×
|
| Dividend Yield |
1.4%
|
2.2%
|
| RSI (14) |
64.0
|
33.0
|
| Beta |
1.016
|
0.961
|
| Expected Upside |
+4.2%
|
—
|
AI Committee View
Current Innellis committee reasoning for COF versus INTR.
COF leads by 9 points.
COF scores 73/100 (Buy) versus INTR at 64/100 (Buy).
COF Committee View
80% agreement
5 analysts
The primary driver is revenue growing 38.2% yoy -- genuine top-line momentum. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull Case
- P/E of 12.8 is inexpensive for the broad market — Value
- Price-to-book of 1.4x is a discount to asset value — Value
- Revenue growing 38.2% YoY -- genuine top-line momentum — Growth
Bear Case
- Risk/reward is unfavorable: 7.0% downside vs 4.2% upside.
INTR Committee View
67% agreement
6 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — eps growing 35.6% yoy. Technical Analyst remains cautious — price structure making lower highs and lower lows. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- P/E of 7.8 is inexpensive for the broad market — Value
- ROE of 15.0% shows genuine earnings power backing the valuation — Value
- EPS growing 35.6% YoY — Growth
Bear Case
- Debt-to-equity of 1.78 adds balance-sheet risk to the value case — Value
- Price structure making lower highs and lower lows — Technical
- MACD histogram negative -- bearish momentum — Technical