INTR · NASDAQ · STOCK
Inter & Co (INTR) Stock Analysis
$7.67
52W $4.97 – $10.36
60/100
$3.39B
11.0
0.95
Is INTR Bullish or Bearish?
Bullish.
Innellis AI committee rates Inter & Co, Inc. (INTR) Buy with a composite score of 60/100
, based on 6 analysts with 67% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +15.11 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -4.89 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — eps growing 35.6% yoy. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 11.1 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
- MACD histogram positive -- bullish momentum — Technical
- News sentiment is positive (+0.30 across 10 articles, 14d) — News
Bear Case
- Debt-to-equity of 1.78 adds balance-sheet risk to the value case — Value
- RSI at 91 is in overbought territory — Technical
- Price trading above the upper Bollinger Band -- stretched — Technical
- Weekly RSI at 78 -- overbought on the larger timeframe too — Technical
- High leverage (debt-to-equity 1.78) amplifies downside in a stress scenario — Risk
- Bollinger bandwidth of 57.7% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
60/100
Agreement
67%
Analysts
6
Conviction
Contested
Sector Rank
Top 47%
of 211 Financial Services peers
Value Analyst
bullish
61
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 11.1 is inexpensive for the broad market
− Debt-to-equity of 1.78 adds balance-sheet risk to the value case
Growth Analyst
bullish
85
/ 100 · Low confidence
Strong, accelerating growth with consistent execution
+ EPS growing 35.6% YoY
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− RSI at 91 is in overbought territory
Risk Analyst
bearish
32
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 1.78) amplifies downside in a stress scenario
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
67
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.30 across 10 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 59.9 to 59.9.
- New bearish signals: 3 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
Analyst-level changes:
- Risk Analyst: +1 bearish signal(s).
- Technical Analyst: +2 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
90.7
Overbought
MACD Histogram
0.262
Bullish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Mixed
Support
$7.59
Resistance
$7.75
Bollinger %B
1.06
Above Upper Band
Price vs Moving Averages
EMA 9
$6.62
Above
EMA 21
$6.06
Above
EMA 50
$5.79
Above
EMA 200
$6.51
Above
Fundamental Analysis
Valuation
99
Growth
58
Profitability
44
Financial Health
0
Cash Flow
15
Valuation
P/E Ratio
11.0×
P/B Ratio
1.61×
PEG Ratio
0.29
Dividend Yield
1.47%
52W High
$10.36
52W Low
$4.97
Quality & Growth
ROE
1291.2%
ROA
133.1%
Gross Margin
4041.2%
Operating Margin
1126.7%
Revenue Growth YoY
—
Debt / Equity
3.10
AI Fundamental Assessment
P/E ratio of 11.0 (inexpensive relative to a 15-40x range); Price-to-book of 1.6x; PEG ratio of 0.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 12.9%; Return on assets of 1.3%; Net margin of 9.2%; Gross margin of 40.4%; Current ratio of 0.33 (tight short-term liquidity); Debt-to-equity of 3.10; Free cash flow per share is negative (-6.00); Most recent quarter beat estimates by 2.8%; EPS growth roughly steady (+4.7% -> +5.6% QoQ); Analyst estimates rising over recent quarters
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