Inter&Co Reports Record Results, Driven by 36% Credit Expansion and 45% Net Income Growth in 2025
Inter&Co (NASDAQ: INTR) reported record 2025 results driven by strong client and credit growth.
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Rhea-AI Summary
Inter&Co (NASDAQ: INTR) reported record 2025 results driven by strong client and credit growth. Key highlights: 4.4 million new active clients (total 25 million), 36% credit portfolio expansion YoY, NIM increased to 9.6% (from 8.7%), and net income R$1.3 billion (US$250M), a 45% YoY rise. Annualized ROE surpassed 15%. The company scheduled a conference call for Feb 11, 2026 to discuss 4Q25 results and published earnings materials on its investor site.
Positive
- Active clients +4.4M in 2025, total 25M
- Credit portfolio +36% year-over-year
- Net income R$1.3B (US$250M), +45% YoY
- NIM rose to 9.6% from 8.7%
- Annualized ROE exceeded 15%
Negative
- None.
Details
News Market Reaction – INTR
On Feb 11, the day this news came out, INTR closed 3.34% below the previous close.
Data tracked by StockTitan Argus for the Feb 11 session.
Key Figures
- New active clients
- 4.4 million
- Added in 2025, record client growth
- Total active clients
- 25 million
- Active clients at end of 2025
- Credit portfolio growth
- 36%
- Year-over-year credit expansion in 2025
- Net interest margin
- 9.6%
- NIM in 4Q25 vs 8.7% in 4Q24
- Net income
- R$1.3 billion
- Full-year 2025, 45% YoY growth
- Net income (USD)
- US$ 250 million
- Full-year 2025, BRL converted using PTAX Feb 06, 2026
- Annualized ROE
- above 15%
- 2025 annualized return on equity
- Customer base
- over 43 million
- Total customers served across platform
Historical Context
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Regulatory approvals to open a digital-first international banking branch in Miami.
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New CEO appointed at MassPay to drive global expansion in fintech services.
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Record 3Q25 net income and 30% credit growth with improved efficiency and ROE.
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Named a “Most Honored Company” tied to execution of 60/30/30 strategic plan.
24h Move is the share-price change in the day after each event; other market factors may also have contributed.
Key Terms
net interest margins (nims) financial
annualized roe financial
ptax financial
AI-generated analysis. How Rhea-AI works. Not financial advice.
MIAMI, Feb. 11, 2026 (GLOBE NEWSWIRE) -- Inter&Co Inc. (NASDAQ: INTR) the leading digital bank providing financial and commerce services to over 43 million customers, reported its financial results today for the fourth quarter of 2025.
2025 Highlights:
Inter delivered another year of exceptional growth across key metrics, sustaining consistent profitability while accelerating market expansion.
- Client Growth: Added a record-breaking 4.4 million new active clients in 2025, bringing total active clients to 25 million.
- Credit Expansion: Expanded the credit portfolio by
36% year-over-year, more than three times the growth rate of the Brazilian market, driven by strategic products like Private Payroll Loans, Mortgages, and Credit Cards. - Net Interest Margins (NIMs): Achieved record NIM and risk-adjusted NIM, increasing to
9.6% from8.7% in 4Q24. This steady improvement throughout 2025 highlights the resilience of Inter’s capital allocation strategy. - Net Income: Reached R
$1.3 billion (US$ 250 million ¹), representing45% year-over-year growth. Annualized ROE surpassed15% , reflecting disciplined execution and a focus on sustainable profitability.
João Vitor Menin, Global CEO of Inter&Co, commented:
“I would like to congratulate our team on another outstanding year. We delivered a very healthy combination of growth and profitability, while remaining fully aligned with our mission of offering financial services through a true win-win relationship with our clients — what we call Inter by Design.”
Alexandre Riccio, Brazil CEO of Inter&Co, noted:
“Our clients continue to deepen their engagement with the Inter platform, which is reflected in higher volumes and ARPACs reaching record levels.”
Santiago Stel, CFO of Inter&Co, shared:
“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.”
Note 1: The company reports in BRL, and the figures have been converted to USD based on the PTAX on February 06, 2026. Source: Banco Central do Brasil.
Conference Call
Inter&Co will discuss its 4Q2025 financial results on February 11th, 2026, at 10 a.m. ET (12 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 43 million consumers. Inter leverages technology to unlock simplicity, offering mortgages, credit, cashback, 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. The company hosts its global headquarters in Miami, FL and currently serves customers in Argentina, Brazil and the United States. 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.
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