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Inter & Co (INTR) investor relations material
Inter & Co Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
Achieved record net income of R$315 million (up 52.6%–53% YoY), with ROE at 13.9%, reflecting compounding profitability and operational leverage.
Client base reached 40 million in August 2025, with high activation rates and 1.1 million net new active clients added in the quarter.
Gross revenue grew 48% YoY to R$3.6 billion, driven by fee diversification, investments, and global expansion.
Launched new digital features like MyCredit and My Piggy Bank, boosting financial education, savings, and engagement.
Maintained strong brand presence, ranking as the 7th most powerful brand in Brazil and 1st among GenZ.
Financial highlights
Gross loan portfolio reached R$40 billion, up 22% YoY; core credit portfolio grew 31% YoY.
Net income (excl. minorities) R$315 million (+52.6%–53% YoY); net revenue R$2.0 billion (+35%–36% YoY).
Efficiency ratio improved to 47.1%–47.8%, with record low excluding tax expenses.
Funding base grew 30% YoY to R$62.2 billion, with average deposit per active client at ~R$2,000.
Total assets reached R$84.7 billion (+27.3% YoY); total equity R$9.4 billion (+9.1% YoY).
Outlook and guidance
Loan portfolio expected to grow at the high end of the 25–30% range, with focus on sustainable credit, fee diversification, and operational efficiency.
Confident in achieving 2025 strategic objectives: 60 million clients, 30% efficiency ratio, and 30% ROE by 2027.
Continued investment in digital features and global expansion to enhance engagement and market share.
Cost of risk anticipated to remain in the 5%–5.25% range, with potential for positive surprises.
Assess impact of 'My Piggy Bank' on deposits.
Explain drivers of NIM improvement.
How does Inter plan to reach 30% ROE by 2027?
Private payroll market share expectations?
Efficiency ratio drivers going forward?
Asset quality vs. growth strategy balance?
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Next Inter & Co earnings date
Q3 202513 Nov, 2025
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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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