In 2023, Inter & Co set up its U.S. headquarters in Miami and completed the acquisition of Granito in 2024 to enhance its operations in the U.S. market. Inter's proven profitable business model, rapid customer growth, and diversified financial ecosystem make it a compelling long-term investment despite recent stock declines due to Brazil's macroeconomic conditions, with an ambitious 60/30/30 plan aiming for 60 million customers, a 30% efficiency ratio, and a 30% ROE by 2027.
Cyborg Score Rationale
In 2025, Inter & Co's revenue was 5.98 billion, an increase of 30.08% compared to the previous year's 4.60 billion, with earnings of 1.31 billion, an increase of 44.67%. The company demonstrates strong growth trajectory and profitability despite recent macroeconomic headwinds.
Top Insights
37.7 million active customers as of mid-2025 with consistent 24%+ YoY growth momentum
Revenue growth of 30%+ YoY with net income nearly doubling, demonstrating operational leverage
Diversified ecosystem spanning banking, investments, insurance, and digital commerce reduces dependency on single revenue stream
Ambitious 60/30/30 plan targets 60M customers, 30% efficiency ratio, and 30% ROE by 2027 - clear path to profitability improvement
Named Competitors
Digital Banking Platform — Digital-first bank serving Latin American customers
Traditional Banking — Large-cap Brazilian financial institution with legacy operations
Digital Banking Platform — Multinational bank with digital banking capabilities in Brazil
Recent Developments
(February 2026) UBS raises price target to $12 from $11; maintains Buy rating
(February 2026) Company approves cash dividend from 2025 profits for global and BDR investors
(February 2026) Reports strong 2025 growth in profits, loans, and funding