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Inter & Co
Inter & Co (INTR) investor relations material
Inter & Co Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary11 Feb, 2026
Executive summary
Achieved record growth and profitability in 2025, adding 4.4 million net new active clients and reaching 43.1 million total clients, with 25 million active users at year-end.
Net income for 2025 reached R$1.3 billion (+45% YoY), with Q4 net income at R$374 million and annualized ROE at 15.1%.
Loan portfolio grew 36% year-over-year to R$48.3 billion, outpacing the Brazilian market, driven by payroll loans, real estate financing, and credit cards.
Expanded global presence with U.S. bank license approval and new international product offerings.
Continued innovation with new digital products and platforms, including Forum, My Piggy Bank, and My Credit Journey.
Financial highlights
Total gross revenues reached R$14,999 million in 2025, up 45% year-over-year; net revenues grew 31% to R$8.4 billion.
Net interest income and income from securities, derivatives, and FX grew 44.6% YoY in 4Q25.
Efficiency ratio improved to 45.5% in 4Q25, down 2.9 p.p. YoY.
Funding reached R$72.9 billion (+32.4% YoY), with time deposits up 42% YoY.
Basel ratio at 14.4% in December 2025, with significant excess capital at the holding level.
Outlook and guidance
Targeting 25-30% loan growth for 2026, with potential to exceed based on opportunities.
Positioned for continued growth in 2026, leveraging AI advancements, operational efficiency, and a scalable platform.
Cost of risk projected between 5.5% and 6% for 2026, in line with industry trends.
Committed to the 60/30/30 plan: 60 million clients, 30% ROE, and 30% efficiency ratio by 2027.
Focus on compounding profitability, innovation across business verticals, and further global expansion.
Shopping GMV vs. Net Take Rate strategy
Private Payroll Loan impact on NPLs
Cost dilution strategy amid rising expenses
How to accelerate efficiency ratio improvement?
Private payroll loan growth and NPL outlook?
US branch impact on P&L and strategy?
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Next Inter & Co earnings date
Investor Day 202611 May, 2026
Inter & Co
Next Inter & Co earnings date
Investor Day 202611 May, 2026
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Frequently asked questions
Inter & Co Inc., trading as INTR on the NASDAQ, is a diversified financial services company based in Brazil, encompassing a broad spectrum of activities including banking, securities, insurance brokerage, marketplace, asset management, and various service businesses. Its banking segment offers an extensive range of products and services such as checking accounts, cards, deposits, loans, and more. The company's securities segment provides services related to the purchase, sale, custody of securities, portfolio management, and the management of investment funds. The insurance brokerage segment delivers a variety of insurance products, while the marketplace operates a digital platform offering goods and services to customers. Inter & Co's asset management segment involves managing fund portfolios and other assets. Additionally, the services segment offers a range of IT and data management services. The company is headquartered in Belo Horizonte, Brazil, and its shares are listed on the NASDAQ.
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