INTR Earnings Prediction
The chart below shows how INTR performed 10 days before and after its earnings report, based on data from the past quarters. Typically, INTR sees a -2.17% change in stock price 10 days leading up to the earnings, and a +1.15% change 10 days following the report. On the earnings day itself, the stock moves by +0.18%. This data can give you a slight idea of what to expect for the next quarter's release.
INTR Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
1.16B
37.14%
13.74%
Gross Margin
--
--
--
Operating Margin
21.65%
31.61%
-15.73%
Net Margin
22.37%
82.02%
2.66%
EPS
0.56
143.48%
16.67%
No Data Available
INTR Earnings Analysis
Inter & Co. Inc. Class A Common Shares Corporation (INTR.O) Earnings Conference Call
Positive
Client Engagement Milestone: The company reached 35 million clients, producing a massive level of interaction inside our ecosystem, with 15 million logins per day.
Record-Breaking Net Income: We achieved a record-breaking net income of BRL 260 million, or BRL 243 million when excluding non-controlling interest, which is 2.5x higher than the net income of the third quarter of the prior year.
Loan Book and Fees Growth: Our loan book grew 7% this quarter surpassing BRL 38 billion, with strong performance in net fees driven by a 20% increase just this quarter.
Revenue and Net Growth: We reported a year-over-year growth of 25% in total gross revenue and 32% in net terms, achieving gross revenue of BRL 2.7 billion.
Cohort Performance Improvement: We are seeing good improvement in cohort performance, thus validating the effectiveness of our diversified business model.
Negative
Net Income Decline: The company reported a net income of BRL 260 million, which is a decrease compared to the previous year's net income of BRL 243 million, indicating a decline in profitability.
Loan Book Growth Decline: The loan book grew by only 7% this quarter, which is below expectations and suggests slower growth compared to previous periods.
Personnel Expense Increase: There was a significant increase in personnel expenses, which rose due to hiring and operational costs, impacting overall profitability.
Market Share Challenges: The company faced challenges in maintaining its market share, with a noted decline in customer engagement metrics compared to previous quarters.
Funding Cost Stability Concerns: The overall cost of funding remained flat at 6.8%, which is concerning given the rising interest rates and could impact future profitability.
INTR FAQs
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INTR Earning Call Sentiment
Inter & Co, Inc. (INTR) Q3 2024 Earnings Call Transcript
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INTR.O
-3.52%Positive
The earnings call presented strong financial performance with significant revenue and net income growth, improved efficiency ratios, and a record high ROE. While the Q&A revealed some caution regarding the macro environment and expense growth, the overall sentiment remains positive due to robust client growth, strategic acquisitions, and strong credit risk management. The lack of explicit shareholder return plans is a slight negative, but the positive financial metrics and optimistic guidance outweigh this, suggesting a positive stock price movement in the next two weeks.
