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Inter & Co, Inc. key statistics and ratios

In fiscal 2025, Inter & Co, Inc. had return on equity of 14.3%, a net margin of 15.6% and debt equal to 8.0% of equity. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025
Gross margin——95.5%96.4%97.1%97.8%97.8%
Net margin3.9%1.8%−3.3%−0.3%6.4%14.2%15.6%
Free-cash-flow margin109.5%293.0%2.7%58.3%158.4%57.5%90.7%
Return on equity1.3%0.6%−2.4%−0.2%4.2%11.4%14.3%
Return on assets—0.1%−0.3%−0.0%0.6%1.4%1.5%
Asset turnover—0.050.080.090.090.100.10
Debt to equity0.0%0.8%0.9%0.5%1.4%1.4%8.0%
Effective tax rate————19.9%19.3%14.0%
Capital spending as % of revenue1.6%1.7%1.5%0.8%0.4%1.3%1.3%
Free cash flow ÷ net income>999%>999%——>999%405.4%580.6%
Dividends ÷ net income157.4%211.4%——7.8%9.0%18.6%
Dividends and buybacks ÷ free cash flow5.6%6.4%82.5%3.7%0.5%2.7%3.6%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

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Figures from Inter & Co, Inc.'s SEC filings (10-K and 10-Q), retrieved November 1, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Inter & Co, Inc.