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Visual21 Nov 2025
Data center suppliers
Inter & Co (INTR) investor relations material
Inter & Co Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary13 Nov, 2025
Executive summary
Achieved record net income of R$336 million in 3Q25, up 39% year-over-year, with ROE reaching 14.2% and ROA at 1.52%.
Added 1.2 million new active clients, bringing total to 41.3 million, with improved onboarding and activation rates.
Celebrated 10-year anniversary as Brazil's first digital bank, emphasizing innovation, customer centricity, and operational excellence.
Maintained high client engagement, with over 20 million daily logins and 850 million transactions in September.
Financial highlights
Net revenue reached R$2.2 billion, up 29% year-over-year and 8% sequentially, with total gross revenue at R$4.0 billion (+48% YoY).
Loan portfolio grew 30% year-over-year to R$43.8 billion, led by credit cards, payroll/personal loans, and mortgages.
Efficiency ratio improved to 45.2%, reflecting strong cost control and operational leverage.
Funding franchise expanded 35% year-over-year to R$68 billion, with average deposit per client exceeding R$2,060.
Basel ratio at 14.6%, reflecting a robust capital base despite rapid credit growth.
Outlook and guidance
Long-term targets reaffirmed: 60 million clients, 30% efficiency ratio, and 30% ROE, though timing may be affected by high SELIC rates.
Expect continued NIM expansion, strong monetization from new products, and fee income growth around 20% annually.
Focus on scaling digital platform, expanding high-value credit segments, and leveraging AI for personalization and cross-selling.
Mitigate rising CoR with 30% loan growth
Path to 30% efficiency and ROE targets
Private Payroll Loan's long-term strategic impact
Key drivers for 30% ROE target
Private payroll loan ROE sustainability
Fee income growth reacceleration strategy
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Next Inter & Co earnings date
Q4 20259 Feb, 2026
Next Inter & Co earnings date
Q4 20259 Feb, 2026
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Frequently asked questions
Inter & Co Inc., trading as INTR on the NASDAQ, is a diversified financial services company based in Brazil, encompassing a broad spectrum of activities including banking, securities, insurance brokerage, marketplace, asset management, and various service businesses. Its banking segment offers an extensive range of products and services such as checking accounts, cards, deposits, loans, and more. The company's securities segment provides services related to the purchase, sale, custody of securities, portfolio management, and the management of investment funds. The insurance brokerage segment delivers a variety of insurance products, while the marketplace operates a digital platform offering goods and services to customers. Inter & Co's asset management segment involves managing fund portfolios and other assets. Additionally, the services segment offers a range of IT and data management services. The company is headquartered in Belo Horizonte, Brazil, and its shares are listed on the NASDAQ.
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