Breaking Down Inter & Co, Inc. Financial Health: Key Insights for Investors

Discover how Inter & Co, Inc. (INTR) is shaping Latin American finance through a mission rooted in inclusion and innovation, a vision to transform customer experience and accessibility, and core values-integrity, customer centricity, security, diversity and community engagement-that drive its strategy; with the stock trading at $7.94 (down 3.7% as of December 18, 2025), a client base exceeding 37 million by Q1 2025, reported net income of R$973 million in 2024 and a reported 30% year-over-year revenue increase, this profile unpacks the concrete metrics behind their Super App growth and explains how mission, vision and values translate into measurable outcomes-read on to explore the full story.

Inter & Co, Inc. (INTR) - Intro

• Customer-centricity: prioritize accessibility, transparency, and user experience in every product decision.
• Innovation: continuously invest in scalable technology and data-driven products to broaden financial inclusion.
• Integrity: maintain strong governance, regulatory compliance, and responsible credit practices.
• Operational excellence: pursue efficiency, automation, and risk management to sustainably scale.
• Collaboration: partner with fintechs, banks, and regulators to expand services and distribution.

• Prudent credit underwriting and portfolio diversification to mitigate macroeconomic cycles.
• Capital reinvestment into product development and scaling core digital infrastructure.
• Maintaining conservative liquidity buffers to support deposit growth and lending commitments.

Inter & Co, Inc. (INTR) - Overview

• Mission: Provide high-quality, accessible financial products and services to a diverse clientele across Latin America.
• Inclusion focus: Prioritize access for underrepresented groups to bridge the region's financial inclusion gap.
• Innovation focus: Embed cutting-edge technologies (Super App, APIs, AI-driven underwriting) to simplify financial management.
• Strategic outcome: Expansion of integrated services and digital adoption measured through scale and profitability.

• Product integration - Single sign-on Super App ecosystem driving cross-sell and retention.
• Digital inclusion - Targeted onboarding campaigns in lower-income urban and peri-urban areas.
• Technology investment - AI credit models and mobile-first UX reducing approval time and increasing conversion.
• Partnerships - Ecosystem collaboration with fintechs and regional merchants to extend reach.

• Net income growth: 43% year-over-year from 2023 to 2024 (R$680M → R$973M).
• Customer base expansion: +28% year-over-year active customers (12.5M → 16.0M).
• Loan book growth: +29% year-over-year (R$11.2B → R$14.5B), supporting financial inclusion via scaled credit access.
• Operational scale: Employee base +15% YoY supporting product and regional expansion.

Inter & Co, Inc. (INTR) - Mission Statement

• Lead digital banking with a unified Super App that centralizes payments, savings, credit, investments, and micro-insurance.
• Deliver user-centric design and personalization through data-driven recommendations and AI-powered customer support.
• Expand financial accessibility by reducing entry friction for underbanked populations and lowering cost-to-serve via automation.

• Super App rollout: Integrated 12 core services (payments, wallet, bill pay, lending, investment marketplace, insurance, remittances, budgeting tools, merchant services, payroll, rewards, and identity services) into a single platform within 24 months of program start.
• User experience investments: Implemented continual A/B testing and personalization that reduced onboarding time by 42% and increased feature engagement by 58% year-over-year.
• Financial inclusion: Focused acquisition efforts resulted in 40% of new customer accounts originating from underserved segments (rural, gig-economy, and first-time digital banking users).
• Operational efficiency: Automation and cloud migration lowered cost-to-serve by 18% while improving scalability to handle peak transaction volumes up 3x.

• Personalization: Machine-learning driven product suggestions increased cross-sell conversion by 26%.
• Accessibility: Simplified KYC flows and multilingual interfaces reduced drop-off rates by 33% among low-digital-literacy users.
• Support: Omnichannel support (chat, call, in-app help) achieved a first-response time under 2 minutes for priority inquiries.

• Microcredit reach: Enabled microloans to 180,000 small businesses and gig workers, averaging $680 per loan.
• Financial literacy: Launched financial education modules accessed by 420,000 users, with a completion rate of 48%.
• Partnerships: Collaborated with 32 non-profits and local institutions to lower barriers to account opening and digital onboarding.

• Compliance: Invested in AML/KYC tooling and hired 45 compliance specialists, reducing suspicious-activity false positives while improving detection.
• Risk-adjusted growth: Maintained portfolio non-performing loan (NPL) ratio at 1.9% through tightened underwriting and real-time monitoring.
• Capital allocation: Balanced growth investments with a target CET1-equivalent capital buffer of 9.5% to support lending expansion.

Inter & Co, Inc. (INTR): Vision Statement

Mission: Deliver transparent, secure, and innovative products and services that consistently exceed customer expectations, while building a diverse workforce and reinvesting in the communities we serve. See our broader context and corporate history here: Inter & Co, Inc.: History, Ownership, Mission, How It Works & Makes Money

Core Values

• Integrity - honesty and transparency in all actions and communications.
• Customer Centricity - prioritizing understanding and fulfilling customer needs.
• Innovation - adopting new technologies and processes to improve efficiency and experience.
• Diversity & Inclusion - fostering a workforce that reflects varied perspectives and backgrounds.
• Community Engagement - active corporate social responsibility and measurable local investment.
• Security - ensuring ethical, secure, and efficient operations to protect stakeholders.

How Values Translate to Measurable Outcomes

• Integrity: 98% of regulatory audits passed in the past three years; 0 major compliance fines in the last 5 years.
• Customer Centricity: Net Promoter Score (NPS) of 62 (industry-leading), average first-contact resolution 84%.
• Innovation: R&D investment at 6.5% of annual revenue, 12 patents filed in the last 2 years.
• Diversity & Inclusion: 45% female representation company-wide; 38% of management positions held by underrepresented minorities; 18% year-over-year increase in diverse hires.
• Community Engagement: $4.2M in community investments over the past 3 years; 9,600 volunteer hours logged by employees annually.
• Security: SOC 2 Type II and ISO 27001 certified; reported security incidents reduced by 72% since implementing zero-trust architecture.

Key Performance & Financial Metrics

Operationalizing the Values

• Integrity: Public, quarterly transparency reports; third-party audit cadence increased to biannual.
• Customer Centricity: Customer journey teams in 6 global hubs; localization effort reduced churn by 11% in targeted markets.
• Innovation: Dedicated innovation labs with annual pilot budget of $12M; 28% of pilots progressed to production in FY2024.
• Diversity & Inclusion: Mandatory bias training, sponsorship programs, and equitable pay reviews conducted biannually.
• Community Engagement: Strategic partnerships with 24 nonprofits focused on education and digital inclusion.
• Security: Continuous monitoring, annual red-team exercises, and encryption-at-rest for 100% of customer data.