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Inter & Co. Inc. is a financial-sector holding company listed on the Nasdaq, operating within the digital banking and financial services subsector. Its current corporate structure derives from the evolution of the former Banco Inter, originally founded by the Menin family, which built a consolidated track record in the Brazilian financial market.
The institution’s initial motivation was to offer accessible and fully digital banking services in the context of the modernization of Brazil’s financial system. The transition to a digital-platform model integrated banking products, financial services and marketplace solutions into a unified ecosystem.
The operating portfolio includes digital accounts, payment cards, mortgage lending, personal loans, insurance products, investment services, foreign exchange, banking-as-a-service solutions and marketplace services geared toward e-commerce. The structure combines financial and non-financial services on a single platform.
The company’s primary market is Brazil, with presence across all 26 states and the Federal District. Additional international activities include foreign-exchange services, remittances and support for Brazilian clients living abroad, particularly in the United States.
Key market drivers include the expansion of digital banks, increased financial inclusion through digital channels, rising competition from traditional financial institutions and fintechs, and growing demand for integrated services within super-app platforms.
The operational base comprises more than 30 million clients across retail, micro-entrepreneur and business segments. Customer growth reflects the expansion of the digital platform and the increasing adoption of its integrated marketplace.
The organizational structure includes the corporate headquarters in Belo Horizonte, administrative units distributed across operational centers in Brazil and international teams supporting activities in the United States. Operations encompass credit management, technology, customer service, marketplace logistics and dedicated divisions for insurance and investment offerings.
Shares of Inter & Co. Inc. are traded on the Nasdaq under the ticker INTR.
History and foundation
The group traces its origins to 1994 in Belo Horizonte, when Intermedium Financeira was established with an initial focus on payroll-deductible loans and mortgage financing. The structure expanded in subsequent years with its transition into a multipurpose bank.
Early operational challenges included growing the credit portfolio and adapting to national financial regulatory requirements. Beginning in 2015, the company initiated its digitalization process and developed the digital account that later became the core of its business model.
Expansion accelerated between 2017 and 2020 with the launch of a unified mobile application, an expanded service portfolio and the creation of an integrated marketplace. In 2018, the company conducted its initial public offering (IPO) on B3, accompanied by capital increases that supported technological and operational development.
Among the key historical milestones, the 2021 corporate reorganization stands out, leading to the migration of shares to the Nasdaq and the establishment of Inter & Co. Inc. as the controlling holding company. The consolidation of shares into units and enhancements to the governance structure also marked this period.
Between 2020 and 2024, the company strengthened its digital platform, expanded its customer base, advanced its foreign-exchange and remittance services and developed its marketplace capabilities. The period also included strategic partnerships, improvements to credit products and efficiency initiatives that influenced the company’s performance in the capital markets.
Additional Information
The Company Inter & Co. Inc. Class A Common Shares (United States), is listed on Nasdaq with a market cap of $ 3.64 Billions, having an equity of $ 1.83 Billion.
The Company está listadathe in the sector of Others and categorized in industry of Others.
In the last 12 months the Company had a revenue of $ 1.39 Billion, which generated a profit in the amount of $ 214.42 Millions.
As for its main indicators, the Company has a P/E ratio of 16.97, a P/BV ratio of 1.99 and in the last 12 months the dividend yield of INTR was at 0.97%.
The Company is traded internationally through the ticker INTR.
