Inter&Co Reports Record 3Q25 Results, Driven by 30% Credit Expansion and 39% Net Income Growth
Inter&Co (NASDAQ: INTR) reported record 3Q25 results on Nov 13, 2025: net income R$336 million (US$63.2M), up 39% YoY, and a 30% YoY credit portfolio expansion. The company added a record 1.2 million new active clients in the quarter, lifting total active clients to 24 million. Management said asset quality held with stable NPL ratios while efficiency and profitability improved to a 45.2% efficiency ratio and 14.2% ROE. The release notes long-term targets of 60 million clients, 30% efficiency ratio, and 30% ROE. A conference call and webcast were scheduled for Nov 13, 2025 at 11:00 a.m. ET with materials on the company investor site.
Inter&Co (NASDAQ: INTR) ha riportato risultati record del 3Q25 il 13 novembre 2025: utile netto di R$336 milioni (US$63,2 milioni), in aumento del 39% su base annua, e un espansione del portafoglio crediti del 30% YoY. L'azienda ha aggiunto un record di 1,2 milioni di nuovi clienti attivi nel trimestre, portando i clienti attivi totali a 24 milioni. La direzione ha dichiarato che la qualità degli attivi si è mantenuta con rapporti NPL stabili, mentre l'efficienza e la redditività sono migliorate a un rapporto di efficienza del 45,2% e ROE del 14,2%. Il comunicato illustra obiettivi a lungo termine di 60 milioni di clienti, 30% rapporto di efficienza e 30% ROE. Una conference call e una webcast erano previste per il 13 novembre 2025 alle 11:00 ET con i materiali sul sito investitori della società.
Inter&Co (NASDAQ: INTR) informó resultados récord del 3T25 el 13 de noviembre de 2025: beneficio neto de 336 millones de R$ (63,2 millones de USD), un aumento del 39% interanual, y una expansión de la cartera de créditos del 30% interanual. La empresa añadió un récord de 1,2 millones de nuevos clientes activos en el trimestre, elevando el total de clientes activos a 24 millones. La dirección dijo que la calidad de los activos se mantuvo con ratios NPL estables, mientras la eficiencia y la rentabilidad mejoraron a un índice de eficiencia del 45,2% y un ROE del 14,2%. El comunicado apunta objetivos a largo plazo de 60 millones de clientes, 30% índice de eficiencia, y 30% ROE. Una llamada de conferencia y webcast estaban programados para el 13 de noviembre de 2025 a las 11:00 a. m. ET con materiales en el sitio de inversores de la empresa.
인터&코 (나스닥: INTR)는 2025년 11월 13일 3분기 2025년의 기록적 실적을 발표했습니다: 순이익 R$336백만(미화 6,320만 달러), 전년 대비 39% 증가, 그리고 신용 포트폴리오 30% YoY 확장. 분기 내 1,200,000명의 신규 활성 고객을 추가해 활성 고객 총합은 2,400만 명으로 증가했습니다. 경영진은 자산 품질이 유지되었고 NPL 비율이 안정적이라고 말했으며, 효율성과 수익성은 효율성 비율 45.2%, ROE 14.2%로 개선되었습니다. 발표는 6,000만 고객, 30% 효율 비율, 그리고 30% ROE의 장기 목표를 언급했습니다. 컨퍼런스 콜과 웹캐스트는 2025년 11월 13일 동부 표준시 11:00에 예정되었으며, 회사의 투자자 사이트에 자료가 있습니다.
Inter&Co (NASDAQ: INTR) a annoncé des résultats record au T3 2025 le 13 novembre 2025 : un résultat net de 336 millions de R$ (63,2 millions USD), en hausse de 39% sur un an, et une croissance du portefeuille de crédits de 30% sur un an. L'entreprise a ajouté un chiffre record de 1,2 million de nouveaux clients actifs au cours du trimestre, portant le total des clients actifs à 24 millions. La direction a indiqué que la qualité des actifs s'était maintenue avec des ratios NPL stables, tandis que l'efficacité et la rentabilité se sont améliorées pour atteindre un taux d'efficacité de 45,2% et un ROE de 14,2%. Le communiqué évoque des objectifs à long terme de 60 millions de clients, un taux d'efficacité de 30% et un ROE de 30%. Une conférence téléphonique et un webcast étaient prévus le 13 novembre 2025 à 11h00 ET avec des documents sur le site investisseurs de l'entreprise.
Inter&Co (NASDAQ: INTR) meldete Rekord-Ergebnisse im 3Q25 am 13. November 2025: Nettoeinkommen 336 Mio. R$ (US$63,2 Mio.), +39% YoY, und eine 30% YoY Expansion des Kreditportfolios. Das Unternehmen verzeichnete im Quartal 1,2 Mio. neue aktive Kunden und erhöhte die Gesamtzahl aktiver Kunden auf 24 Mio.. Das Management sagte, die Asset-Qualität habe sich stabil gehalten mit stabilen NPL-Verhältnissen, während Effizienz und Rentabilität sich auf ein Effizienzverhältnis von 45,2% und ROE von 14,2% verbesserten. Die Veröffentlichung nennt langfristige Ziele von 60 Mio. Kunden, 30% Effizienzverhältnis und 30% ROE. Eine Konferenzschaltung und Webcast waren für den 13. November 2025 um 11:00 Uhr ET geplant, mit Materialien auf der Investoren-Website des Unternehmens.
Inter&Co (ناسداك: INTR) أبلغت عن نتائج قياسية للربع الثالث 2025 في 13 نوفمبر 2025: صافي الدخل 336 مليون ريال برازيلي (63.2 مليون دولار)، بزيادة 39% سنوياً، و توسع محفظة الائتمان بنسبة 30% على أساس سنوي. أضافت الشركة 1.2 مليون عميل نشط جديد في الربع، ليصل إجمالي العملاء النشطين إلى 24 مليوناً. قالت الإدارة إن جودة الأصول ظلت مستقرة مع نسب NPL مستقرة، في حين تحسن الكفاءة والربحية إلى نسبة كفاءة 45.2% و ROE 14.2%. تشير النشرة إلى أهداف طويلة الأجل تتمثل في 60 مليون عميل، نسبة كفاءة 30%، و ROE 30%. وكان من المقرر عقد مؤتمر هاتفي وبث عبر الويب في 13 نوفمبر 2025 الساعة 11:00 صباحاً بتوقيت شرق الولايات المتحدة مع مواد على موقع الشركة للمستثمرين.
- Net income R$336 million, +39% YoY
- Credit portfolio +30% YoY
- Added 1.2 million new active clients in 3Q25 (total 24 million)
- Efficiency ratio remains at 45.2%, above management's 30% target
- ROE at 14.2%, below the company long-term 30% ROE goal
Insights
Inter&Co shows strong growth and improving profitability driven by rapid credit expansion and client additions.
Inter&Co grows via a platform that converts users into financial customers and credit borrowers; adding 1.2 million active clients raised the active base to 24 million and the company reported
The result depends on continued client acquisition and credit demand; maintaining stable NPL ratios amid worsening market conditions is positive but remains a key dependency. Efficiency and return metrics cited—
Watch near-term items: the webcast and call on
MIAMI, Nov. 13, 2025 (GLOBE NEWSWIRE) -- Inter&Co Inc. (NASDAQ: INTR | B3: INBR32), the leading super app providing financial and digital commerce services to over 41 million customers, today reported its results for the third quarter of 2025.
3Q25 Highlights:
Inter printed another quarter of outstanding growth across all key metrics, while maintaining its disciplined approach to sustainable profitability.
- Client Growth: Added a record 1.2 million new active clients in the quarter, bringing the total active client base to 24 million, a testament to the platform's compelling value proposition.
- Net Income: Reached R
$336 million (US$63.2 million 1), representing39% year-over-year growth, successfully balancing investments in growth with operational efficiency. - Credit Expansion: The credit portfolio expanded
30% YoY, triple the Brazilian market's growth rate, driven by enhanced digital experiences and strategic products, such as Private Payroll. - Asset Quality: Maintained stable NPL ratios despite deteriorating market conditions, validating the company's robust, data-driven approach to risk management.
João Vitor Menin, Global CEO of Inter&Co, commented:
"Ten years after launching the first digital banking account in Brazil, we have built an ecosystem that consistently delivers value to our customers, drives outstanding growth, and reflects our disciplined approach to sustainable profitability.”
He highlighted that: “We are celebrating our journey and designing our future. We have a clear pathway toward achieving 60 million clients, a
Alexandre Riccio, Brazil CEO of Inter&Co, added:
"Our total credit portfolio continues to grow at an outstanding pace, three times faster than the market, which is a testament to our superior digital execution. This momentum is driven by the scalability and client-centricity of our 'Inter by Design' approach, and the success of our private payroll offering, demonstrating our ability to rapidly innovate and capture market share."
Riccio concluded: “Our disciplined execution allows us to balance strategic investments with cost control, which is reflected in our consistent improvement in profitability. Reaching
Note 1: The company reports in BRL, and the figures have been converted to USD based on the PTAX on September 30, 2025. Source: Banco Central do Brasil.
Conference Call
Inter&Co will discuss its 3Q2025 financial results on November 13th, 2025, at 11 a.m. ET (1 p.m. BRT). The webcast details, along with the earnings materials, can be accessed on the company’s Investor Relations website at https://investors.inter.co/en/.
About Inter&Co
Inter (NASDAQ: INTR) is a digital bank providing financial and lifestyle solutions to 41 million consumers. Our super app leverages technology to unlock simplicity, offering mortgages, credit, gift cards, investments, and international payments. Inter customers also enjoy access to a dynamic marketplace of shopping discounts, cashback rewards, and exclusive access to marquee events. Recognized by Forbes, CNBC, and others as one of the world’s leading FinTechs and digital banks, Inter leads with human innovation to empower the new economy. Learn more at us.inter.co.
Investor Relations:
Rafaela de Oliveira Vitória / ir@inter.co
Media Relations:
interco@chemistryagency.com / kaio.philipe@inter.co
Disclaimer
This report may contain forward-looking statements regarding Inter, anticipated synergies, growth plans, projected results and future strategies. While these forward-looking statements reflect our Management’s good faith beliefs, they involve known and unknown risks and uncertainties that could cause the company’s results or accrued results to differ materially from those anticipated and discussed herein. These statements are not guarantees of future performance. These risks and uncertainties include, but are not limited to, our ability to realize the number of projected synergies and the projected schedule, in addition to economic, competitive, governmental and technological factors affecting Inter, the markets, products and prices and other factors. In addition, this presentation contains managerial figures that may differ from those presented in our financial statements. The calculation methodology for these managerial numbers is presented in Inter’s quarterly earnings release. Statements contained in this report that are not facts or historical information may be forward looking statements under the terms of the Private Securities Litigation Reform Act of 1995. These forward-looking statements may, among other things, beliefs related to the creation of value and any other statements regarding Inter. In some cases, terms such as “estimate”, “project”, “predict”, “plan”, “believe”, “can”, “expectation”, “anticipate”, “intend”, “aimed”, “potential”, “may”, “will/shall” and similar terms, or the negative of these expressions, may identify forward looking statements.
These forward-looking statements are based on Inter's expectations and beliefs about future events and involve risks and uncertainties that could cause actual results to differ materially from current ones. Any forward-looking statement made by us in this document is based only on information currently available to us and speaks only as of the date on which it is made. We undertake no obligation to publicly update any forward-looking statement, whether written or oral, that may be made from time to time, whether because of new information, future developments or otherwise. The definition of each such operational metric is included in the earnings release available on our Investor Relations website.
For additional information that about factors that may lead to results that are different from our estimates, please refer to sections “Cautionary Statement Concerning Forward Looking Statements” and “Risk Factors” of Inter&Co Annual Report on Form 20-F. The numbers for our key metrics (Unit Economics), which include, among other, active clients and average revenue per active client (ARPAC), are calculated using Inter’s internal data. Although we believe these metrics are based on reasonable estimates, there are challenges inherent in measuring the use of our business. In addition, we continually seek to improve our estimates, which may change due to improvements or changes in methodology, in processes for calculating these metrics and, from time to time, we may discover inaccuracies and adjust to improve accuracy, including adjustments that may result in recalculating our historical metrics.
About Non-IFRS Financial Measures
To supplement the financial measures presented in this press release and related conference call, presentation, or webcast in accordance with IFRS, Inter&Co also presents non-IFRS measures of financial performance, as highlighted throughout the documents. The non-IFRS Financial Measures include, among others: Adjusted Net Income, Cost of Funding, Efficiency Ratio, Cost of Risk, Cards+PIX TPV, Gross ARPAC, Global Clients, Total Gross Revenues, and Return on average equity (ROE).
A “non-IFRS financial measure” refers to a numerical measure of Inter&Co’s historical or financial position that either excludes or includes amounts that are not normally excluded or included in the most directly comparable measure calculated and presented in accordance with IFRS in Inter&Co’s financial statements. Inter&Co provides certain non-IFRS measures as additional information relating to its operating results as a complement to results provided in accordance with IFRS. The non-IFRS financial information presented herein should be considered together with, and not as a substitute for or superior to, the financial information presented in accordance with IFRS. There are significant limitations associated with the use of non-IFRS financial measures. Further, these measures may differ from the non-IFRS information, even where similarly titled, used by other companies and therefore should not be used to compare Inter&Co’s performance to that of other companies.
FAQ
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