INTR Valuation

Inter & Co Inc

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8.080

+0.31(3.990%)1D

Overview
Forecast
Valuation
Earnings

INTR Relative Valuation

INTR's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, INTR is overvalued; if below, it's undervalued.

Historical Valuation

Inter & Co Inc (INTR) is now in the Fair zone, suggesting that its current forward PE ratio of 11.71 is considered Fairly compared with the five-year average of 17.17. The fair price of Inter & Co Inc (INTR) is between 3.11 to 19.18 according to relative valuation methord.

Relative Value

Fair Zone

3.11-19.18

Current Price：8.01

Fair

12.13

Trailing

Forward

0.00

EV/EBITDA

Inter & Co Inc. (INTR) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Inter & Co Inc. (INTR) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.01

Inter & Co Inc. (INTR) has a current PS of 2.01. The 5-year average PS is 1.65. The thresholds are as follows: Strongly Undervalued below 0.69, Undervalued between 0.69 and 1.17, Fairly Valued between 2.13 and 1.17, Overvalued between 2.13 and 2.61, and Strongly Overvalued above 2.61. The current Forward PS of 2.01 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Inter & Co Inc. (INTR) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Inter & Co Inc. (INTR) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Inter & Co Inc (INTR) has a current Price-to-Book (P/B) ratio of 2.01. Compared to its 3-year average P/B ratio of 1.33 , the current P/B ratio is approximately 51.61% higher. Relative to its 5-year average P/B ratio of 1.33, the current P/B ratio is about 51.85% higher. Inter & Co Inc (INTR) has a Forward Free Cash Flow (FCF) yield of approximately -14.37%. Compared to its 3-year average FCF yield of -40.27%, the current FCF yield is approximately -64.32% lower. Relative to its 5-year average FCF yield of -40.13% , the current FCF yield is about -64.19% lower.

2.09

P/B

Median3y

1.33

Median5y

1.33

-14.34

FCF Yield

Median3y

-40.27

Median5y

-40.13

Competitors Valuation Multiple

The average P/S ratio for INTR's competitors is 2.79, providing a benchmark for relative valuation. Inter & Co Inc Corp (INTR) exhibits a P/S ratio of 2.01, which is -28.03% above the industry average. Given its robust revenue growth of 17.44%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Fulton Financial Corp

Texas Capital Bancshares Inc

Community Financial System Inc

Simmons First National Corp

3.04

10.16%

3.02B

Performance Decomposition

Market capitalization of INTR increased by 9.93% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 21.79 to 27.68.

The secondary factor is the Revenue Growth, contributed 17.44%to the performance.

Overall, the performance of INTR in the past 1 year is driven by Margin Expansion. Which is more sustainable.

17.44%

1.02B → 1.20B

Revenue Growth

27.03%

21.79 → 27.68

Margin Expansion

-34.54%

26.53 → 17.36

P/E Change

9.93%