Inter Sets the Rule of 50 as the Company’s North Star
Rhea-AI Summary
Inter (Nasdaq: INTR), a super app serving over 44 million customers, adopted the Rule of 50 as its main performance metric for the next three years. This benchmark combines annual net revenue growth and Return on Equity to total 50%.
The Rule of 50 complements Inter’s 60/30/30 Plan and will guide efforts to boost credit penetration, grow its deposit franchise, and increase primary-bank customers. Inter highlights its Inter By Design model, strong technology, risk management, and three pillars: a Single Smart Super App, a robust data platform, and its new AI assistant, Seven.
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News Market Reaction – INTR
In the May 11 session, INTR declined 7.41%, reflecting a notable negative market reaction. Argus tracked a trough of -13.5% from its starting point during tracking. Our momentum scanner triggered 20 alerts that day, indicating elevated trading interest and price volatility. Trading volume was very high at 3.7x the daily average, suggesting heavy selling pressure.
Data tracked by StockTitan Argus on the day of publication.
Key Figures
Historical Context
| Date | Event | Sentiment | 24h Move | Catalyst |
|---|---|---|---|---|
| Feb 11 | Full-year results | Positive | -3.3% | Record 2025 results with strong client growth, credit expansion and higher ROE. |
| Jan 16 | Regulatory approval | Positive | +0.3% | Approval to open a digital-first U.S. banking branch to expand cross-border services. |
| Dec 10 | Leadership change | Positive | +0.4% | Co-founder appointed CEO at related fintech to drive global expansion initiatives. |
| Nov 13 | Quarterly results | Positive | -6.9% | Record 3Q25 earnings with rapid client and credit growth and improving profitability. |
24h Move is the share-price change in the day after each event; other market factors may also have contributed.
Recent history shows mixed reactions: regulatory/strategic wins saw modest gains, while strong earnings reports twice drew notable selloffs, suggesting a tendency for profit-taking or skepticism around upbeat financial releases.
Over the last six months, INTR has reported multiple record financial results and strategic milestones. Record 3Q25 and 2025 earnings delivered strong credit expansion, rising ROE, and ambitious long‑term targets of 60 million clients, 30% efficiency, and 30% ROE. Regulatory approvals enabled a new U.S. banking branch. Today’s “Rule of 50” announcement builds on this trajectory, emphasizing disciplined profitability on top of rapid digital growth and prior capital and regulatory advances.
Key Terms
return on equity (roe) financial
super app technical
ai assistant technical
AI-generated analysis. How Rhea-AI works. Not financial advice.
Common among technology companies, the new metric reinforces the goal of continued growth with profitability
NEW YORK, May 11, 2026 (GLOBE NEWSWIRE) -- Inter, the leading super app providing financial and digital commerce services to over 44 million customers, today announced the evolution of its strategic business plan. The company will now adopt the Rule of 50 as its primary metric to guide growth and profitability over the next three years. The announcement was made during Owners’ Day 2026, an investor event held at the Nasdaq headquarters in New York, where Inter has been listed since 2022.
Inspired by a metric widely adopted by technology companies, the Rule of 50 considers:
- The sum of annual net revenue growth and the Return on Equity (ROE) percentage totaling
50% .
According to João Vitor Menin, Global CEO of Inter, the update complements the 60/30/30 Plan, which continues to drive the company’s growth trajectory, while adding a new layer of financial discipline to the strategy.
“To achieve the Rule of 50, our execution will focus primarily on increasing credit penetration, growing our deposit franchise, and expanding the number of customers who use Inter as their primary financial institution,” said the executive.
The Inter By Design model is a central differentiator in executing this strategy, combining cost efficiency, scalable distribution capabilities, and consistent revenue growth within a single integrated platform.
“Our financial strategy was designed to scale efficiently, and we have core enablers in place to do so, including our technological capabilities, the optimization of credit origination and recovery, a solid and efficient risk management framework, and a highly skilled team to lead all initiatives,” said Santiago Stel, CFO of Inter.
Additionally, three strategic pillars will be decisive for the company’s future: a Single Smart Super App that integrates the entire customer journey; a robust data platform fueled by millions of transactions daily; and Seven, Inter’s new AI assistant, which ushers in a new era of AI agents.
With this strategic evolution, Inter reinforces its vision of consolidating a global financial platform built on technology, scale, and sustainable profitability.
About Inter&Co
Inter (NASDAQ: INTR) is a digital bank providing financial and lifestyle solutions to 44 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 / Delayna.Shulak@inter.co
