INTR · NASDAQ · STOCK
Inter & Co, Inc.
$5.21
52W $5.04 – $10.36
64/100
$2.30B
7.7
0.96
Is INTR Bullish or Bearish?
Bullish.
Innellis AI committee rates Inter & Co, Inc. (INTR) Buy with a composite score of 64/100
, based on 6 analysts with 67% agreement.
Last updated August 11, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.17 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 — -8.83 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. 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 & Bear Case
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
- VIX regime is low -- calm backdrop supports risk-taking — Macro
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- News sentiment is positive (+0.40 across 5 articles, 14d) — News
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
- Trend and market structure agree -- coherent bearish picture — Technical
- Daily trend (downtrend) conflicts with the weekly trend (uptrend) -- fighting the larger trend — Technical
- High leverage (debt-to-equity 1.78) amplifies downside in a stress scenario — 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 August 11, 2026
Overall Committee Score
64/100
Agreement
67%
Analysts
6
Conviction
Contested
Sector Rank
Top 47%
of 209 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 7.8 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
bearish
39
/ 100 · High confidence
Price action is deteriorating -- trend and/or momentum are working against this name
− Price structure making lower highs and lower lows
Risk Analyst
neutral
50
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
− High leverage (debt-to-equity 1.78) amplifies downside in a stress scenario
Macro Analyst
bullish
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
70
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.40 across 5 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
33.0
Neutral
MACD Histogram
-0.025
Bearish Momentum
Trend Direction
Downtrend
Weekly: Uptrend
Market Structure
Lh Ll
Support
$5.17
Resistance
$6.08
Bollinger %B
0.01
Inside Bands
Price vs Moving Averages
EMA 9
$5.46
Below
EMA 21
$5.52
Below
EMA 50
$5.77
Below
EMA 200
$6.96
Below
Fundamental Analysis
Valuation
100
Profitability
44
Financial Health
0
Cash Flow
70
Valuation
P/E Ratio
7.7×
P/B Ratio
1.13×
PEG Ratio
0.21
Dividend Yield
2.17%
52W High
$10.36
52W Low
$5.04
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
[reduced confidence: limited earnings history] P/E ratio of 7.7 (inexpensive relative to a 15-40x range); Price-to-book of 1.1x; PEG ratio of 0.2 (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 positive (4.21); Earnings-history trend unavailable; growth based on TTM year-over-year only.
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