Inter & Co Inc
Inter & Co, Inc., through its subsidiaries, engages in the banking and spending, investments, insurance brokerage, and inter shop businesses in Brazil and the United States. The company offers banking products and services, including checking accounts; cards; deposits; loans and advances; and other services, as well as debt collection; foreign exchange and financial services; and global account d… Read more
Inter & Co Inc (INBR32) - Net Assets
Latest net assets as of December 2025: R$10.17 Billion BRL
Based on the latest financial reports, Inter & Co Inc (INBR32) has net assets worth R$10.17 Billion BRL as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (R$98.61 Billion) and total liabilities (R$88.44 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | R$10.17 Billion |
| % of Total Assets | 10.31% |
| Annual Growth Rate | 40.69% |
| 5-Year Change | 282.87% |
| 10-Year Change | N/A |
| Growth Volatility | 63.52 |
Inter & Co Inc - Net Assets Trend (2018–2025)
This chart illustrates how Inter & Co Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Inter & Co Inc (2018–2025)
The table below shows the annual net assets of Inter & Co Inc from 2018 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | R$10.17 Billion | +14.33% |
| 2024-12-31 | R$8.90 Billion | +17.09% |
| 2023-12-31 | R$7.60 Billion | +8.64% |
| 2022-12-31 | R$6.99 Billion | +163.26% |
| 2021-12-31 | R$2.66 Billion | -18.91% |
| 2020-12-31 | R$3.28 Billion | +51.81% |
| 2019-12-31 | R$2.16 Billion | +131.54% |
| 2018-12-31 | R$931.94 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Inter & Co Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 12526.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | R$10.97 Billion | 107.88% |
| Common Stock | R$13.00K | 0.00% |
| Total Equity | R$10.17 Billion | 100.00% |
Inter & Co Inc Competitors by Market Cap
The table below lists competitors of Inter & Co Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Cannae Holdings Inc
NYSE:CNNE
|
$417.92 Million |
|
Wenfeng Great World Chain Development Corp
SHG:601010
|
$417.93 Million |
|
Zydus Wellness Limited
NSE:ZYDUSWELL
|
$418.00 Million |
|
Feitian Technologies Co Ltd
SHE:300386
|
$418.01 Million |
|
Zhongzhu Medical Holdings Co Ltd
SHG:600568
|
$417.81 Million |
|
Hexatronic Group AB (publ)
PINK:HTROF
|
$417.76 Million |
|
Jastrzebska Spotka Weglowa SA
WAR:JSW
|
$417.73 Million |
|
AlzChem Group AG
PINK:ALZCF
|
$417.65 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Inter & Co Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 8,895,175,000 to 10,169,589,000, a change of 1,274,414,000 (14.3%).
- Net income of 1,312,390,000 contributed positively to equity growth.
- Dividend payments of 243,696,000 reduced retained earnings.
- Share repurchases of 27,110,000 reduced equity.
- Other factors increased equity by 232,830,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | R$1.31 Billion | +12.91% |
| Dividends Paid | R$243.70 Million | -2.4% |
| Share Repurchases | R$27.11 Million | -0.27% |
| Other Changes | R$232.83 Million | +2.29% |
| Total Change | R$- | 14.33% |
Book Value vs Market Value Analysis
This analysis compares Inter & Co Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.81x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 10.26x to 1.81x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2018-12-31 | R$4.07 | R$41.80 | x |
| 2019-12-31 | R$9.43 | R$41.80 | x |
| 2020-12-31 | R$14.32 | R$41.80 | x |
| 2021-12-31 | R$11.61 | R$41.80 | x |
| 2022-12-31 | R$17.40 | R$41.80 | x |
| 2023-12-31 | R$18.58 | R$41.80 | x |
| 2024-12-31 | R$20.23 | R$41.80 | x |
| 2025-12-31 | R$23.04 | R$41.80 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Inter & Co Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.91%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 0.00%
- • Asset Turnover: 0.00x
- • Equity Multiplier: 9.70x
- Recent ROE (12.91%) is above the historical average (3.98%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2018 | 5.75% | 0.00% | 0.00x | 6.04x | R$-39.57 Million |
| 2019 | 1.28% | 0.00% | 0.00x | 4.67x | R$-188.09 Million |
| 2020 | 0.55% | 1.60% | 0.06x | 6.08x | R$-309.65 Million |
| 2021 | -2.74% | -3.27% | 0.06x | 13.79x | R$-338.28 Million |
| 2022 | -0.16% | -0.31% | 0.08x | 6.63x | R$-710.33 Million |
| 2023 | 4.05% | 6.36% | 0.08x | 8.08x | R$-444.84 Million |
| 2024 | 10.20% | 14.17% | 0.08x | 8.60x | R$17.61 Million |
| 2025 | 12.91% | 0.00% | 0.00x | 9.70x | R$295.43 Million |
Industry Comparison
This section compares Inter & Co Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $13,486,703,194
- Average return on equity (ROE) among peers: 14.36%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Inter & Co Inc (INBR32) | R$10.17 Billion | 5.75% | 8.70x | $417.84 Million |
| Banco da Amazônia S.A (BAZA3) | $4.84 Billion | 23.18% | 6.15x | $23.06 Million |
| Banco Bradesco S.A. (BBDC3) | $59.38 Billion | 18.45% | 11.16x | $20.38 Billion |
| Banestes S.A - Banco do Estado do Espírito Santo (BEES3) | $967.68 Million | 11.36% | 13.51x | $37.47 Million |
| Banco Mercantil de Investimentos S.A (BMIN3) | $123.08 Million | 1.81% | 0.44x | $1.30 Million |
| Banco Alfa de Investimento S.A (BRIV3) | $926.01 Million | 10.83% | 12.15x | $52.75 Million |
| Banco do Estado do Rio Grande do Sul S.A (BRSR3) | $10.41 Billion | 8.79% | 13.16x | $642.78 Million |
| Itaú Unibanco Holding S.A. (ITUB3) | $17.75 Billion | 26.11% | 5.51x | $39.88 Billion |