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Sep 30, 2025
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Inter & Co Q3 2025 Earnings Report
Inter & Co reported strong results in Q3 2025, with revenue and net income both showing substantial growth compared to the prior year.
Key Takeaways
Inter & Co delivered a robust Q3 2025, driven by double-digit growth in revenue and a significant jump in net income. Loan portfolio expansion and improved operational efficiency supported bottom-line performance.
Revenue reached R$6.0 billion in Q3 2025, up from R$4.6 billion in Q3 2024.
Net income rose to R$336.3 million for the quarter, a substantial increase from R$242.7 million in the prior year quarter.
Total assets grew to R$91.8 billion, reflecting the company’s continued expansion.
Customer base expanded to 41.3 million with a 57.9% activation rate.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Inter & Co expects continued growth in revenue and profitability, supported by a larger customer base, higher activation rates, and improved operational efficiency.
Positive Outlook
- Strong growth in customer base and engagement
- Loan portfolio expansion supporting revenue
- Operational leverage driving margin improvement
- Diversification through Inter Shop and Insurance
- Robust capital position for future growth
Challenges Ahead
- Higher impairment losses on financial assets
- Administrative and personnel expenses continue to grow
- Volatility in foreign exchange impacts translation of US operations
- Competitive pressure in Brazilian digital banking space
- Macroeconomic uncertainties could affect credit performance
Historical Earnings Impact
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Avg. Return Before/After Earnings
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