Inter & Co. Inc. (NASDAQ: INTR) released its fourth‑quarter 2025 financial results, reporting net income of R$374 million and revenue of R$2.30 billion. Earnings per share rose to $0.16, surpassing consensus estimates of $0.15.
Revenue grew 31% year‑over‑year, driven by a 36% expansion of the credit portfolio and the addition of 4.4 million new clients, bringing the total active client base to 25 million. The growth reflects the continued momentum of the company’s super‑app ecosystem, which blends financial services with commerce and payment solutions.
Net interest income increased by 39%, while the efficiency ratio improved by 190 basis points to 45.5% from 47.5% in the prior year. The margin expansion was supported by higher net interest margins of 9.6% and disciplined cost control, allowing the company to capture more fee income from its growing loan book.
CEO João Vitor Menin said, “We continue to deploy capital in a disciplined, ROE‑accretive manner, extracting incremental value from our balance sheet, as evidenced by expanding margins. We still see significant opportunities to further deepen credit penetration by putting our excess liquidity to work.” He added, “These achievements are clear evidence of the trust and appreciation people have for Inter & Co, Inc. They also highlight the power of word‑of‑mouth and member‑get‑member approach, which continue to drive our brand awareness and engagement.”
Investors reacted to the earnings release with a modest upside, as the EPS beat was offset by a revenue miss against analyst expectations. The market’s response reflected confidence in the company’s long‑term growth trajectory while acknowledging short‑term revenue headwinds.
The results underscore Inter & Co’s strong annual performance and client‑growth engine, but the revenue miss signals that the company must navigate competitive pricing pressures and accounting changes that have moderated fee‑revenue growth. Management’s focus on disciplined capital deployment and deeper credit penetration positions the firm to sustain its competitive advantage in Brazil’s fintech landscape.
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