Inter & Co. Inc. Q4 Earnings Call Highlights

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MarketBeat

Wed, February 11, 2026 astatine 11:52 AM CST 9 min read

Inter & Co. Inc. logo

Inter added 7 million clients successful the year, reaching 25 million progressive users (58% activation) with grounds engagement—about 21.5 million regular logins and ~1 cardinal monthly transactions—making it the fastest-growing Brazilian fiscal instauration among peers with >20 cardinal clients.
The indebtedness publication grew 36% YoY (Q4 +10% q/q) led by mortgages (+48%), location equity (+35%) and recognition cards (+29%), portion backstage payroll loans scaled to ~BRL 2 billion; asset-quality was mixed arsenic 15–90d NPLs improved to 4.0% but 90-day past-due roseate to 4.7%, with sum lifted to 146% and 2026 cost-of-risk guided to 5.5–6%.
Financial show strengthened with nett revenues of BRL 8.4 billion (+31% YoY), nett income of BRL 1.3 billion and Q4 ROE supra 15%, alongside grounds RPAC and a 45.5% ratio ratio; absorption besides secured a U.S. subdivision license to accelerate nonstop enlargement successful the U.S. marketplace and expects a ~20% dividend payout trend.
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Inter & Co. Inc. (NASDAQ:INTR) highlighted a twelvemonth of lawsuit growth, higher engagement, and expanding profitability during its latest net call, portion fielding capitalist questions connected efficiency, provisioning dynamics, and contention successful backstage payroll lending. Management besides pointed to organizational changes, including a caller enactment framework, and discussed advancement successful gathering retired its U.S. level pursuing regulatory support for a subdivision license.

Executives said Inter delivered “another outstanding twelvemonth of maturation and profitability,” describing the institution arsenic the fastest-growing fiscal instauration successful Brazil among those with much than 20 cardinal clients. Management reported welcoming 7 cardinal caller clients during the year, its “best yearly show ever,” and said 4.4 cardinal of those became active. That brought activation to 58% and full progressive clients to 25 million, according to the company.

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Engagement metrics besides increased. In December, Inter reported much than 21.5 cardinal regular logins, up from 17 cardinal per time successful the anterior year’s December. The institution said it processed 32,000 fiscal transactions per minute, totaling astir 1 cardinal transactions during the month. Management cited a sustained nett promoter people (NPS) of 85 points implicit respective years and attributed show to the integration of its “seven verticals” wrong its ace app.

Inter said transaction volumes continued to emergence alongside activation. For the 4th quarter, full outgo measurement (TPV) grew 27% to a BRL 1.8 trillion tally rate. Transactions done Pix totaled astir BRL 1.5 trillion for the year, and the institution said its Pix marketplace stock reached 8.5%.