Inter & Co (INTR) Is Up 5.7% After Q2 Earnings Beat With Strong Net Interest Income Growth

• On August 6, 2025, Inter & Co reported second quarter earnings with net interest income rising to R$1.47 billion and net income growing to R$315.13 million, both higher than the previous year.
• Strong earnings per share growth highlights effective operational execution and improved profitability, reflecting the company's momentum in digital banking and financial services.
• We'll explore how this robust year-over-year net interest income increase may influence Inter & Co's future growth outlook and risk profile.

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Inter & Co Investment Narrative Recap

For investors interested in Inter & Co, the core belief is that the digital bank can keep scaling its rapidly growing client base and cross-sell more high-margin financial products, driving sustainable revenue and profit expansion. The strong second quarter results, with higher net interest income and earnings, reinforce optimism around recent momentum and strengthen the case for ongoing revenue growth, the key short-term catalyst. However, the high share of lending to riskier segments and potential non-performing loan spikes remain a central risk in the background.

Among recent developments, the appointment of a seasoned Global Chief Legal Officer earlier this year stands out, particularly as it could bolster Inter & Co's compliance and regulatory foundation amid ongoing business expansion. This is increasingly relevant given the company's ambition to scale new products and manage risks associated with a growing and diversified loan book.

But with loan growth targets still aggressive, investors should watch carefully for any signs that...

Read the full narrative on Inter & Co (it's free!)

Inter & Co's narrative projects R$13.8 billion revenue and R$2.9 billion earnings by 2028. This requires 37.4% yearly revenue growth and a R$1.8 billion earnings increase from R$1.1 billion today.

Uncover how Inter & Co's forecasts yield a $8.09 fair value, in line with its current price.

Exploring Other Perspectives

Five members of the Simply Wall St Community estimate Inter & Co's fair value between R$7.97 and R$33.30. While some anticipate accelerated revenue growth, views on credit quality and margin risk suggest the company's performance could take several different paths, explore these diverse perspectives to inform your view.

Explore 5 other fair value estimates on Inter & Co - why the stock might be worth just $7.97!

Build Your Own Inter & Co Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your Inter & Co research is our analysis highlighting 3 key rewards and 2 important warning signs that could impact your investment decision.
• Our free Inter & Co research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Inter & Co's overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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