INTR · NASDAQ · STOCK
Inter & Co (INTR) Stock Analysis
$5.67
52W $5.04 – $10.36
63/100
$2.50B
8.3
0.95
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is INTR Bullish or Bearish?
Bullish.
Innellis AI committee rates Inter & Co, Inc. (INTR) Buy with a composite score of 63/100
, based on 6 analysts with 67% agreement.
Last updated September 06, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +12.15 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 — -7.85 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. Risk Analyst remains cautious — high leverage (debt-to-equity 1.78) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 8.4 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
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- Debt-to-equity of 1.78 adds balance-sheet risk to the value case — Value
- High leverage (debt-to-equity 1.78) amplifies downside in a stress scenario — Risk
- Bollinger bandwidth of 16.9% signals elevated volatility — Risk
- No news coverage in the last 14 days -- limited independent confirmation either way — News
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 September 06, 2026
Overall Committee Score
63/100
Agreement
67%
Analysts
6
Conviction
Contested
Sector Rank
Top 61%
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 8.4 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
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
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
80
/ 100 · Low 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
60
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
− No news coverage in the last 14 days -- limited independent confirmation either way
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2704.43)
Investment Thesis Evolution
Committee score moved marginally from 62.9 to 62.9.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- Value Analyst: +1 bullish signal(s).
Comparing 2026-09-05 to 2026-09-06 (1 day apart).
Technical Analysis
RSI (14)
57.2
Neutral
MACD Histogram
0.054
Bullish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Lh Ll
Support
$5.17
Resistance
$6.08
Bollinger %B
0.79
Inside Bands
Price vs Moving Averages
EMA 9
$5.60
Above
EMA 21
$5.51
Above
EMA 50
$5.61
Above
EMA 200
$6.71
Below
Fundamental Analysis
Valuation
100
Growth
58
Profitability
44
Financial Health
0
Cash Flow
70
Valuation
P/E Ratio
8.3×
P/B Ratio
1.22×
PEG Ratio
0.22
Dividend Yield
2.00%
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
P/E ratio of 8.3 (inexpensive relative to a 15-40x range); Price-to-book of 1.2x; 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 (4.92); 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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