Inter & Co, Inc.
Inter & Co, Inc., through its subsidiaries, engages in the banking, securities, insurance brokerage, marketplace, asset management, and services businesses. The company's Banking segment offers banking products and services, including checking accounts, …
Banks - Regional
BR, Belo Horizonte [HQ]
Ratios
12 Sheets · Starting from 2023Margins, Growth Rates In %
| Ratio | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | |||||||||||||
| Gross Margin | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | |
| Profit Margin | 13.17 | 20.11 | 20.84 | 13.19 | 9.30 | 15.91 | 14.37 | 10.47 | 0.49 | 2.51 | -0.40 | 3.85 | |
| Operating Margin | 11.20 | 18.80 | 25.94 | 112.84 | 128.14 | 111.06 | 65.54 | 10.67 | -5.40 | -2.29 | 50.45 | 6.02 | |
|
EPS Growth
|
- - | 5.91 | 24.07 | -87.20 | -22.66 | 3,435.35 | 122.86 | -95.22 | -80.43 | 3,187.67 | -114.63 | 2,236.75 | |
| EPS BRL | 7.61 | 8.06 | 10.00 | 1.28 | 0.99 | 35.00 | 78.00 | 3.73 | 0.73 | 24.00 | -3.51 | 75.00 | |
| Return on Assets (ROA) | 1.33 | 1.19 | 1.20 | 1.30 | 0.79 | 1.31 | 1.20 | 0.79 | 0.03 | 0.18 | -0.03 | 0.50 | |
| Return on Equity (ROE) | 5.92 | 5.95 | 7.26 | 9.79 | 7.18 | 12.08 | 7.14 | 3.59 | 0.17 | 0.76 | -0.20 | 4.05 | |
| Return on Invested Capital (ROIC) | 4.65 | 5.30 | 7.03 | 55.81 | 79.52 | 69.96 | 14.86 | 2.73 | 0.14 | 0.63 | 0.62 | 1.52 | |
| Solvency | |||||||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | 0.08 | 0.25 | 1.61 | 1.55 | 1.17 | 0.97 | 10.61 | 6.95 | 8.88 | 34.00 | 34.25 | 29.38 | |
| Debt/Equity | 0.34 | 1.24 | 9.75 | 11.67 | 10.60 | 8.94 | 63.07 | 31.70 | 53.21 | 146.13 | 227.02 | 237.30 | |
| Debt/EBITDA | -2,862.99 | -3,374.03 | 3,892.07 | -67.47 | -141.06 | -159.23 | -381.56 | -3,243.68 | 13,502.18 | -2,726.97 | -74.61 | -14,109.26 | |
|
Debt/Capitalization
|
0.34 | 1.23 | 8.89 | 10.45 | 9.59 | 8.20 | 38.68 | 24.07 | 34.73 | 59.37 | 69.42 | 70.35 | |
| Long-Term Debt/Capitalization | 0.34 | 1.23 | 8.89 | 10.45 | 9.59 | 8.20 | 38.62 | 24.03 | 34.71 | 29.76 | 47.73 | 29.16 | |
| Interest Debt per Share BRL | - - | 0.02 | 0.14 | 0.11 | 0.14 | 2.26 | 9.36 | 1.35 | 2.61 | 48.80 | 44.49 | 51.32 | |
| Debt Growth | - - | - - | 731.83 | 31.85 | -4.59 | -7.01 | 1,618.61 | 16.32 | 152.42 | 104.75 | 77.51 | 179.47 | |
| Liquidity | |||||||||||||
| Current Ratio | - - | - - | - - | 743.15 | 1,905.25 | 1,615.91 | 160,192.16 | 348,831.37 | 935,386.31 | 98.22 | 7,153.57 | 54.42 | |
| Quick Ratio | - - | - - | - - | 743.15 | 1,905.25 | 1,615.91 | 160,192.16 | 348,831.37 | 935,386.31 | 98.22 | 7,153.57 | 105.99 | |
| Cash Ratio | - - | - - | - - | 482.03 | 1,246.76 | 995.31 | 133,404.25 | 287,695.94 | 351,689.43 | 23.57 | 3,116.24 | 31.19 | |
| Operating Cash Flow Ratio | - - | - - | - - | 100 | 1,000 | - - | 45,100 | 65,700 | 208,600 | - - | 800 | - - | |
| Turnover | |||||||||||||
| Inventory Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Receivables Turnover | - - | - - | - - | 3,388.14 | 831.37 | 847.44 | 131.37 | 94.32 | 57.28 | 56.59 | 759.63 | 939.60 | |
| Payables Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
|
Asset Turnover
|
10.07 | 5.94 | 5.75 | 9.87 | 8.54 | 8.25 | 8.36 | 7.52 | 5.78 | 7.07 | 7.69 | 13.00 | |
| Fixed Turnover | 5,366.88 | 1,798.31 | 2,014.57 | 4,867.02 | 5,221.10 | 5,345.35 | 3,410.60 | 4,433.07 | 3,828.84 | 7,132.71 | 1,894.86 | 4,682.27 | |
| Coverage | |||||||||||||
| Interest Coverage | - - | - - | - - | 118.76 | 108.91 | 118.87 | 142.24 | 31.45 | -26.27 | -10.04 | 91.10 | 16.34 | |
| Asset Coverage | - - | 39,900 | 6,200 | 6,300 | 8,400 | 10,100 | 900 | 1,400 | 1,100 | 600 | 800 | 300 | |
| Cash Flow Coverage (CFGR) | -4,270.59 | -5,989.21 | -1,138.29 | 229.25 | 1,179.14 | 48.36 | 101.00 | 123.49 | 148.31 | 1.35 | 14.11 | 12.53 | |
| EBITDA Coverage | - - | - - | - - | 100 | 100 | 100 | 100 | - - | - - | - - | - - | - - | |
| Dividend Coverage | - - | - - | - - | -900 | -300 | -600 | - - | - - | - - | -300 | - - | -1,200 | |
| Time Interest Earned (TIE) | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | -200 | 500 | |
| Market Prospects | |||||||||||||
| Dividend Yield | - - | - - | - - | 0.01 | 0.03 | 0.46 | - - | - - | 0.27 | 0.38 | 24.30 | 0.22 | |
| Earnings Yield | 1.07 | 0.98 | 1.12 | 0.09 | 0.09 | 2.97 | 5.76 | 0.80 | 0.04 | 1.25 | -0.28 | 2.79 | |
|
Price/Earnings (P/E)
|
9,384.11 | 10,199.94 | 8,900.96 | 107,608.11 | 114,678.66 | 3,363.93 | 1,736.35 | 12,503.22 | 247,698.65 | 7,978.15 | -35,696.10 | 3,585.35 | |
| Price/Earnings Growth (PEG) | - - | 1,724.92 | 369.80 | -1,234.04 | -5,061.68 | 0.98 | 14.13 | -131.31 | -3,079.72 | 2.50 | 311.42 | -1.60 | |
|
Price/Book (P/B)
|
555.33 | 606.89 | 646.42 | 10,530.14 | 8,234.15 | 406.46 | 123.97 | 449.15 | 418.44 | 60.81 | 71.87 | 145.08 | |
| Price/Tangible Book (P/TB) | 555.33 | 606.89 | 646.42 | 10,530.14 | 8,234.15 | 406.46 | 123.97 | 449.15 | 418.44 | 60.81 | 71.87 | 145.08 | |
| Price/Sales (P/S) | 1,235.76 | 2,050.95 | 1,854.95 | 14,191.15 | 10,663.89 | 535.28 | 249.44 | 1,308.58 | 1,206.92 | 200.18 | 141.06 | 138.18 | |
|
Price/Cash Flow (P/CF)
|
-3,788.49 | -815.64 | -582.29 | 39,347.81 | 6,586.97 | 9,406.11 | 194.63 | 1,147.48 | 530.28 | 3,081.22 | 224.34 | 487.80 | |
| Price/Free CF (P/FCF) | -3,692.04 | -806.31 | -578.93 | 39,690.18 | 6,607.50 | 11,165.44 | 204.65 | 1,259.14 | 573.18 | -3,497.98 | 257.72 | 556.69 | |
| Price/Operating CF (P/OCF) | -3,788.49 | -815.64 | -582.29 | 39,347.81 | 6,586.97 | 9,406.11 | 194.63 | 1,147.48 | 530.28 | 3,081.22 | 224.34 | 487.80 |