Banco Inter (BIDI11.SA) Stock Price
Banco Inter Price
Over the last 6 years Banco Inter grew revenue by 43.3% annually, reaching 2.69 B BRL. Earnings per share have grown at 28.2% per year over the last 6 years. For Banco Inter, the net margin of 1.3% is down versus 14.9% a few years ago. The payout ratio is around 371% of earnings.
Banco Inter stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Banco Inter over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Banco Inter stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Banco Inter's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | Banco Inter Price |
|---|
Banco Inter Revenue, Pre-Provision Profit, Net Income
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Banco Inter Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEB BRL |
|---|
| REVENUE GROWTH% |
| Net Interest IncomeB BRL |
| Non-Interest IncomeB BRL |
| Loan Loss ProvisionsM BRL |
| Pre-Provision Profit (PPOP)M BRL |
| NET INCOMEB BRL |
| NET INCOME GROWTH% |
| DIVIDENDDIV.BRL |
| SHARESB |
| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022e | 2023e | 2024e | 2025e | 2026e |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.55 | 0.64 | 0.59 | 0.74 | 1.07 | 1.39 | 3.22 | 4.45 | 6.31 | 8.41 | 10.67 | 12.17 |
| – | 17.03 | -7.36 | 25.34 | 44.20 | 30.28 | 131.28 | 37.87 | 41.89 | 33.26 | 26.91 | 14.09 |
| 0.24 | 0.26 | 0.22 | 0.43 | 0.59 | 0.75 | 1.65 | – | – | – | – | – |
| 0.07 | 0.06 | 0.10 | 0.10 | 0.22 | 0.47 | 1.03 | – | – | – | – | – |
| – | – | – | 57.60 | 131.00 | 214.20 | 510.40 | – | – | – | – | – |
| 45.30 | 29.10 | 52.80 | 151.50 | 214.10 | 165.20 | 481.40 | – | – | – | – | – |
| 0.03 | 0.03 | 0.05 | 0.07 | 0.08 | -0.01 | 0.03 | 0.17 | 0.54 | 1.23 | 3.04 | 7.60 |
| – | -21.88 | 88.00 | 42.55 | 16.42 | -108.97 | -585.71 | 402.94 | 216.96 | 126.57 | 147.64 | 150.05 |
| – | – | – | – | – | – | – | 0.05 | – | – | – | – |
| 10.86 | 10.85 | 10.85 | 9.83 | 2.12 | 2.22 | 2.58 | 2.58 | 2.58 | 2.58 | 2.58 | 2.58 |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Banco Inter generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Banco Inter retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Banco Inter's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Banco Inter has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Banco Inter's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Banco Inter stock margins
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Banco Inter Revenue per Share, Earnings per Share
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Banco Inter business model & stock analysis
Banco Inter SWOT Analysis
Strengths
Banco Inter SA has a strong market presence in the Brazilian banking industry. It has gained a significant customer base and established a trusted brand image.
The bank offers a wide range of digital banking services, allowing customers to conveniently access their accounts online or through mobile applications. This digitalization has contributed to increased efficiency and a seamless user experience.
Banco Inter SA has a robust financial position, with steady revenue growth and a stable customer deposit base. This provides the bank with resources to invest in technological advancements and innovation.
Weaknesses
The bank's reliance on digital platforms may pose a vulnerability to cybersecurity threats and potential system outages. Any disruption in the online services could have a negative impact on customer trust and satisfaction.
Banco Inter SA faces intense competition from both traditional banks and emerging fintech companies. Maintaining a competitive edge requires continuous innovation and adaptation to changing customer preferences and market trends.
The bank's current geographical reach is limited to Brazil, which may hinder its potential for international expansion and diversification of revenue sources.
Opportunities
The increasing adoption of digital banking and the changing regulatory environment provide opportunities for Banco Inter SA to expand its customer base and market share. The bank can capitalize on the growing demand for convenient and accessible banking services.
Partnerships and collaborations with technology companies or fintech startups can help Banco Inter SA enhance its digital capabilities and offer innovative solutions to customers. Such collaborations can also lead to potential cross-selling opportunities and revenue growth.
The bank can explore potential strategic alliances or acquisitions to expand its product offerings and enter new market segments, thereby increasing its competitiveness and market reach.
Threats
The volatile economic conditions in Brazil and fluctuations in interest rates pose threats to the profitability and stability of Banco Inter SA. It needs to effectively manage risks associated with potential economic downturns.
Increased regulatory scrutiny and compliance requirements in the banking industry create challenges for Banco Inter SA. Adhering to these regulations while maintaining operational efficiency and cost-effectiveness is crucial.
Competitive pressures from other banks and fintech firms may affect the market share and customer retention of Banco Inter SA. Continuous monitoring of the competitive landscape and proactive measures to differentiate offerings are necessary to mitigate these threats.
Banco Inter Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
Banco Inter historical P/E ratio, EBIT multiple, and P/S ratio
Banco Inter annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Banco Inter shares outstanding
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Banco Inter stock splits
Banco Inter Dividend History
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Banco Inter dividend payout ratio
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Banco Inter Earnings Estimates
| Date | EPS estimate | Revenue Estimate | Quarterly report |
|---|---|---|---|
| 2/20/2023 | 0.10BRL | 1.23 BBRL | 2022 Q4 |
| 10/24/2022 | 0.07BRL | 1.10 BBRL | 2022 Q3 |
| 8/9/2022 | 0.05BRL | 985.73 MBRL | 2022 Q2 |
| 5/16/2022 | 0.02BRL | 885.28 MBRL | 2022 Q1 |
| 2/21/2022 | 0.05BRL | 826.31 MBRL | 2021 Q4 |
| 10/26/2021 | 0.04BRL | 678.87 MBRL | 2021 Q3 |
| 8/11/2021 | 0.02BRL | 530.23 MBRL | 2021 Q2 |
| 5/11/2021 | 0.00BRL | 419.19 MBRL | 2021 Q1 |
| 2/25/2021 | -0.00BRL | 358.29 MBRL | 2020 Q4 |
Banco Inter shareholder structure
| % | Name |
|---|---|
3.92896% | |
2.99993% | |
1.28176% | |
1.20400% | |
1.06950% | |
1.04093% |
Banco Inter Executives and Management Board
Mr. Rubens Menin Teixeira De Souza
Chairman of the Board
Mr. Joao Vitor Nazareth Menin Teixeira De Souza
Chief Executive Officer · since 2005
Ms. Helena Caldeira
Chief Financial and Investor Relations Officer
Mr. Ray Tarick Pereira Chalub
Operations Officer · since 2020
Mr. Felipe Bottino
Chief Investment Officer
Frequently asked questions about Banco Inter
The business model of Banco Inter SA is focused on digital banking services in Brazil. As one of the first fully digital banks in the country, Banco Inter SA offers a range of financial products and services to its customers, primarily through online and mobile platforms. The bank provides various banking solutions, including checking and savings accounts, credit cards, loans, and investment opportunities. Banco Inter SA utilizes technology and innovation to deliver convenient and cost-effective banking solutions, aiming to disrupt and transform the traditional banking industry. By streamlining processes and embracing digital channels, Banco Inter SA aims to provide efficient and user-friendly financial services to its customers.
Banco Inter stock
Banco Inter Peer Group
Banco Inter Ticker
All fundamentals and in-depth analysis of Banco Inter
Our stock analysis for Banco Inter stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Banco Inter. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.