Inter & Co. Inc. Class A (INTR) financial statements

Financial Services · Banks - Regional · Market cap $3.4B

Inter & Co. Inc. Class A reported revenue of 6.4B BRL in fiscal 2024, up 55.1% a year over 5 years.

Net income was 907M BRL.

Free cash flow was 3.2B BRL, and the company returned 82M BRL in dividends and 19M BRL in net buybacks.

The diluted share count fell 77% over the period (buybacks).

Revenue and free cash flow

Fiscal years, $ billions (BRL).

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Income statement

Fiscal years, in BRL, from Inter & Co. Inc. Class A's 10-K filings with the SEC.

Fiscal year	2019	2020	2021	2022	2023	2024
Revenue	712M BRL	1.0B BRL	2.2B BRL	3.6B BRL	4.8B BRL	6.4B BRL
Cost of revenue	—	—	100M BRL	129M BRL	136M BRL	143M BRL
Gross profit	—	—	2.1B BRL	3.4B BRL	4.6B BRL	6.3B BRL
Selling, general and admin	386M BRL	641M BRL	1.2B BRL	1.5B BRL	1.5B BRL	1.8B BRL
Interest expense	257M BRL	184M BRL	543M BRL	2.0B BRL	2.9B BRL	3.3B BRL
Pre-tax income	684,000 BRL	-7M BRL	-231M BRL	-179M BRL	440M BRL	1.2B BRL
Income tax	-30M BRL	-38M BRL	-176M BRL	-164M BRL	88M BRL	233M BRL
Net income	28M BRL	18M BRL	-73M BRL	-11M BRL	302M BRL	907M BRL
EPS (diluted)	0.01 BRL	0.00 BRL	-0.01 BRL	-0.03 BRL	0.75 BRL	2.07 BRL
Diluted shares	1.92B	2.23B	2.54B	401M	402M	436M
Gross margin	—	—	95.5%	96.4%	97.1%	97.8%
Net margin	3.9%	1.8%	-3.3%	-0.3%	6.4%	14.2%

Balance sheet

Fiscal years, in BRL, from Inter & Co. Inc. Class A's 10-K filings with the SEC.

Fiscal year	2019	2020	2021	2022	2023	2024
Cash and short-term investments	3.1B BRL	2.2B BRL	500M BRL	1.3B BRL	4.3B BRL	1.1B BRL
Property, plant and equipment	92M BRL	138M BRL	163M BRL	188M BRL	168M BRL	370M BRL
Total assets	—	19.9B BRL	36.6B BRL	46.3B BRL	60.4B BRL	76.5B BRL
Total liabilities	—	16.6B BRL	28.2B BRL	39.3B BRL	52.8B BRL	67.4B BRL
Shareholders' equity	2.2B BRL	3.3B BRL	2.7B BRL	7.0B BRL	7.5B BRL	8.9B BRL
Net debt	-3.1B BRL	-2.2B BRL	-500M BRL	-1.3B BRL	-4.3B BRL	-1.1B BRL

Cash flow

Fiscal years, in BRL, from Inter & Co. Inc. Class A's 10-K filings with the SEC.

Fiscal year	2019	2020	2021	2022	2023	2024
Operating cash flow	792M BRL	3.0B BRL	92M BRL	2.1B BRL	7.5B BRL	3.8B BRL
Capital spending	73M BRL	153M BRL	288M BRL	279M BRL	274M BRL	510M BRL
Free cash flow	718M BRL	2.8B BRL	-196M BRL	1.8B BRL	7.3B BRL	3.2B BRL
Stock-based compensation	103,000 BRL	—	—	—	—	—
Dividends paid	44M BRL	38M BRL	20M BRL	76M BRL	24M BRL	82M BRL
Share buybacks (net)	—	-153M BRL	-29M BRL	0 BRL	-16M BRL	-19M BRL
Free cash flow margin	100.8%	279.6%	-8.8%	51.2%	153.0%	50.8%
Dividends per share	0.02 BRL	0.02 BRL	0.01 BRL	0.19 BRL	0.06 BRL	0.19 BRL

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Questions

What was Inter & Co. Inc. Class A's revenue in 2024?

6.4B BRL in fiscal 2024, from its 10-K filing.

How much free cash flow does Inter & Co. Inc. Class A generate?

3.2B BRL in fiscal 2024 (operating cash flow minus capital spending).

From Inter & Co. Inc. Class A's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.