GET DAILY SIGNALSInter & Co (INTR) Delivers +26% Net Income Growth in Q3 2026
Key Takeaways
- Inter & Co reported third-quarter 2026 net income of R$425 million, up 26% year over year, extending its streak of improving profitability.
- Diluted earnings per share (EPS) rose 28.6% to $0.18, while total revenue increased 29.1% to $524.7 million.
- The loan portfolio expanded 25% year over year to R$58.1 billion, led by private payroll loans, small and midsize business (SMB) lending, and real estate credit.
- Return on equity (ROE) climbed 160 basis points year over year, even as 90-day non-performing loans (NPLs) rose to 5.3%.
- For more detail, explore Inter & Co's Major News, Today's Price Move, Price Targets, and Forecast on dedicated pages.
- Discover fresh, AI-driven trade ideas by exploring Trending AI Robots.
Earnings Context and Why It Matters
Inter & Co (INTR), the Brazilian digital bank formerly known as Banco Inter, has evolved into a full-scale "super app" spanning banking, credit, investments, insurance, and e-commerce. Its quarterly results are closely watched as a barometer of Latin American fintech growth and credit quality. Over the past several quarters, the company has consistently expanded its loan book and client base while improving ROE and efficiency. With roughly 46.8 million total clients and a rapidly maturing credit portfolio, this report offers investors a clear read on whether Inter & Co can sustain profitability while managing delinquency as earlier loan cohorts age and Brazil's high interest-rate environment persists. I also checked this using Tickeron’s AI Screener to see how the stock compares to others in the industry.
Reported Results
For the third quarter of 2026, Inter & Co reported net income of R$425 million, a 26% increase year over year. On a U.S. dollar basis, total revenue rose 29.1% to $524.7 million, and diluted EPS increased 28.6% to $0.18. Net income attributable to common shareholders reached $82.1 million, up 29.9% from a year earlier, while operating profit climbed 25.7% to $98.7 million.
The company's loan portfolio grew 25% year over year to R$58.1 billion, driven by private payroll loans, SMB lending, and real estate credit. Total clients reached 46.8 million, including 27.1 million active clients, and ROE improved 160 basis points year over year. Inter & Co also noted that more than 700 AI models are now in production, with its digital assistant handling roughly 85% of client requests without human support. On asset quality, 90-day NPLs rose to 5.3%, while early-stage delinquency declined to 4.2%. From what I see, these numbers reflect steady operational progress even as credit metrics warrant close attention.
Market Reaction and Investor Sentiment
Inter & Co's Q3 2026 results underscored both momentum and caution. Strong top-line growth, higher EPS, and a larger, more active client base reinforced the company's expansion narrative. However, the rise in 90-day NPLs to 5.3% kept credit quality in focus, particularly as earlier private payroll loan cohorts mature past the 90-day delinquency mark. Investors have generally rewarded the bank's improving profitability and operational efficiency, but the stock's valuation remains sensitive to Brazil's interest-rate cycle and any signs of deteriorating asset quality. Heading into and out of the print, sentiment balanced enthusiasm for loan growth against scrutiny of delinquency trends and funding costs.
Forward Outlook and Key Factors to Monitor
Looking ahead, investors will likely focus on whether Inter & Co can keep growing its loan portfolio while keeping credit costs contained. The private payroll lending segment, which has scaled rapidly, will be a key watchpoint as its earliest cohorts age and 90-day NPL metrics evolve. Management's ability to sustain ROE gains will depend on disciplined underwriting and continued efficiency improvements.
Funding dynamics also matter. Brazil's benchmark Selic interest rate remains elevated, which has supported the bank's deposit-gathering franchise but also raises the cost of capital. How Inter & Co manages its cost of funding and loans-to-deposits ratio will influence net interest income momentum. One thing that stands out here is the role of technology in scaling operations efficiently.
Finally, technology-driven scale remains central to the story. With hundreds of AI models in production and a digital assistant resolving the large majority of client requests without human support, efficiency gains could continue to support margin expansion. International initiatives, including U.S. operations, also represent a longer-term catalyst, though they remain less material to near-term earnings. I’m watching this closely as the company navigates these dynamics.
Exploring AI Tools for Deeper Analysis
In my research process, I often turn to Tickeron’s suite of AI tools to cross-check patterns and signals across the market. The AI Screener stands out for its ability to filter stocks and ETFs by technical patterns, fundamentals, and performance metrics, helping surface relevant ideas without endless manual work. For someone following names like Inter & Co, it provides a structured way to monitor setups in the broader sector and compare opportunities efficiently.
Disclaimer
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Contributor
Sergey Savastiouk, Ph.D. has a degree in Applied Mathematics from Moscow University and has extensive experience as an entrepreneur, investor, manager, and mathematician. His professional expertise is in applied mathematics, mathematical modeling, system and pattern analysis, and software and hardware system integration. He has served as the CEO of several hi-tech start-up companies and nonprofit organizations, which has given him proven capabilities in business strategy for high-tech start-up companies, market assessment, company formation, team building, product development, marketing, and sales. He has published numerous articles in journals and magazines on related fields. As a retail investor, he spent 15 years developing his proprietary trading and quantitative algorithms (now Tickeron’s A.I.), which brought him significant returns in trading the stock market. His current work and goal in founding Tickeron is to bring professional, sophisticated stock market analysis capabilities to retail investors via an easy-to-use interface.
INTR's RSI Oscillator ascends from oversold territory
The RSI Indicator for INTR moved out of oversold territory on November 09, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 22 similar instances when the indicator left oversold territory. In 18 of the 22 cases the stock moved higher. This puts the odds of a move higher at 82%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 39 of 56 cases where INTR's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 70%.
Following a +5.82% 3-day Advance, the price is estimated to grow further. Considering data from situations where INTR advanced for three days, in 208 of 264 cases, the price rose further within the following month. The odds of a continued upward trend are 79%.
INTR may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on October 21, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on INTR as a result. In 57 of 69 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 83%.
The Moving Average Convergence Divergence Histogram (MACD) for INTR turned negative on October 22, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 33 similar instances when the indicator turned negative. In 26 of the 33 cases the stock turned lower in the days that followed. This puts the odds of success at 79%.
INTR moved below its 50-day moving average on October 26, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for INTR crossed bearishly below the 50-day moving average on October 30, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 8 of 11 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 73%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where INTR declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 76%.
The Aroon Indicator for INTR entered a downward trend on November 11, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Valuation Rating of 4 (best 1 - 100 worst) indicates that the company is seriously undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: INTR's P/B Ratio (0.162) is slightly lower than the industry average of (1.262). P/E Ratio (1.116) is within average values for comparable stocks, (13.479). Projected Growth (PEG Ratio) (0.000) is also within normal values, averaging (1.190). INTR has a moderately high Dividend Yield (0.117) as compared to the industry average of (0.035). INTR's P/S Ratio (1.298) is slightly lower than the industry average of (3.738).
The Tickeron SMR rating for this company is 9 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 87 (best 1 - 100 worst), indicating slightly worse than average price growth. INTR’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 97 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. INTR’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock worse than average.
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