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Inter&Co reported a record 2Q26 net income of R$421 million, up 34% from R$315 million in 2Q25, with ROE at 16.3% (up 240 bps year over year). Net revenue reached R$2.6 billion, growing 32% YoY, and gross revenue was R$4.6 billion, up 29%. All-in NIM 2.0 rose to 10.12%, helped by expansion in Private Payroll and credit card interest portfolios.
The franchise scaled efficiently: active clients reached 26.4 million (3.7 million added in 12 months) with a 58.3% activation rate, about 22 million daily logins and 32 million daily financial transactions. Cards and Pix TPV in 2Q26 was R$453 billion, with Pix market share around 9% and NPS of 88. Net ARPAC increased to R$35.5 per month, while cost to serve stayed near R$13.2, lifting margin per active client to R$22.2. The expanded loan portfolio grew 29% YoY to R$55.4 billion, though NPL >90 days increased to 5.1%, mainly from fast-growing Private Payroll loans. Funding remained strong at R$77 billion of deposits (24% YoY), with cost of funding at 66% of CDI and a Banco Inter Basel ratio of 14.4%. The company states it surpassed R$100 billion in total assets and “capital neutrality,” aligning its 2Q26 Rule of 50 mix of 31.7% net revenue growth and 16.3% ROE (sum 48).
Inter&Co, Inc. reported higher earnings for the six months ended June 30, 2026. Net income attributable to shareholders was R$815.9 million, up 35.6% year on year, on revenues of R$5.1 billion, a 32.2% increase. Basic earnings per share were R$1.85 versus R$1.37 a year earlier.
The customer base reached 45.3 million with a 58.3% activation rate. The loan portfolio totaled R$51.9 billion, 7.6% above December 31, 2025, while total funding was R$72.9 billion, 5.6% higher. Total assets were R$102.9 billion and shareholders’ equity R$10.6 billion, representing growth of 4.4% and 2.3%, respectively.
Credit costs increased, with impairment losses on financial assets of R$1,641,700 (amounts in thousands of Brazilian reais) for the semester compared with R$1,082,930 a year earlier, and administrative plus personnel expenses rose 17.2% to about R$1.8 billion. Extensive disclosures detail segment performance and risk, liquidity and capital management under IFRS.
Inter & Co, Inc. reports that its subsidiary Banco Inter S.A. has issued Subordinated Financial Bills totaling R$300,000,000.00 in transactions with professional investors. These "LFSN" instruments qualify as subordinated debt.
The Financial Bills may be redeemed in full at the issuer’s option from July 17, 2031 on each permitted repurchase date, generally subject to prior authorization from the Central Bank of Brazil. Under Central Bank Resolutions No. 122 and No. 5007, the issuance will compose the Additional Capital of Banco Inter’s Reference Equity, with an approximately estimated impact of 0.6 percentage points on its Basel Ratio, calculated on the capital base as of March 31, 2026.
Inter & Co, Inc. received an updated ownership report from Squadra Investments entities and Guilherme Mexias Ache regarding Class A Common Shares as of July 15, 2026. The group may be deemed to beneficially own 31,924,236 Class A shares, representing 9.8% of the class. They report 27,217,557 shares with shared voting power and 31,924,236 shares with shared dispositive power, and no sole voting or dispositive power. The shares are held by investment funds and managed accounts for which the investment managers have discretionary authority. Each reporting person disclaims beneficial ownership, even though control over voting and disposition may cause them to be treated as beneficial owners under applicable rules.
Inter&Co disclosed that funds and non-resident investors managed by Squadra Investimentos and Squadra Investments now hold 31,924,236 Inter&Co securities, equivalent to 9.80% of the Class A Common Shares issued by the company.
This position consists of 22,361,126 Brazilian Depositary Receipts (INBR32) and 9,563,110 Class A Common Shares, with 586,246 BDRs currently on loan. Squadra states that these acquisitions are not intended to change Inter&Co’s control or management structure. The disclosure is made under Brazilian Resolution CVM No. 44, which requires shareholders crossing 5%, 10% and subsequent thresholds of a share class to notify the company, which must then inform the CVM and relevant markets.
Inter&Co’s 2025 annual report highlights strong growth and improving profitability. The company ended 2025 with 43.1 million total clients and a loan portfolio of R$48.3 billion, up 36% year over year. Total gross revenue reached R$14,999 million, a 45% increase, while net income rose to R$1,312 million, also up 45%.
Return on equity improved from 11.1% in 2024 to 13.8% in 2025, supported by a risk‑adjusted net interest margin that expanded from 3.9% to 5.9%. Deposits grew to R$73 billion, about 30% higher than the prior year, with a historically low cost of funding around 65% of Brazil’s CDI rate helping margins.
Management frames strategy around a “Rule of 50,” targeting each year through 2029 a combined figure of revenue growth rate plus ROE of 50%. In 2024 and 2025, this combined metric was 45% and 46%. Growth is driven by a cloud‑native “3SA” Single, Smart, Super App, heavy use of AI in underwriting and personalization, and a deliberate tilt toward secured and payroll lending, such as mortgages, home equity, FGTS and private payroll loans.
Inter&Co announced that its subsidiary Banco Inter S.A. has received a license from the Florida Office of Financial Regulation to launch and operate a state-licensed branch in Miami. This follows prior approvals from the Federal Reserve and Florida regulators to establish the branch.
The new U.S. branch will issue its own credit and debit cards and offer regulated credit products directly, rather than relying on third‑party sponsor banks. The company plans to migrate its 5.5 million existing global account clients to this structure to improve its funding mix, lower servicing costs, and support its next phase of international growth.
Inter & Co, Inc. Schedule 13G/A amendment: reporting persons Squadra Investments - Gestao de Recursos Ltda., related entity Squadra Investimentos, and Guilherme Mexias Ache state shared voting power of 28,175,700 and shared dispositive power of 32,806,391 with respect to Class A Common Shares as of May 20, 2026. The filing reports that the 32,806,391 shares represent 10.1% of the class and notes that the Investment Managers and Mr. Ache "may be deemed to beneficially own" the securities under applicable rules, while each Reporting Person disclaims beneficial ownership. Signatures for the amendment are dated 05/26/2026.
INTER & Co, Inc. reported that investment managers Squadra Investimentos – Gestão de Recursos Ltda. and Squadra Investments – Gestão de Recursos Ltda. now hold 32,806,391 securities, equal to 10.07% of the Company’s Class A Common Shares. The position was built through trades on the São Paulo stock exchange and consists of 23,230,214 Brazilian Depositary Receipts (INBR32) and 9,576,177 Class A Common Shares held directly, with 447,712 BDRs currently on loan. Squadra states that this investment is not intended to change Inter&Co’s control or management structure, and the disclosure is made under Brazilian securities rules requiring notice when ownership crosses thresholds such as 5% and 10% of a share class.
Inter&Co, Inc. uses its Owners’ Day 2026 presentation to outline how its digital banking model has scaled while improving profitability. Total net revenue rose from R$3,563 million in 2022 to R$9,004 million in the LTM to March 2026, while net income grew at a 33% CAGR and ROE increased from 1.8% in 2022 to 15.5%. The client base reached about 44 million clients and funding expanded from R$33 billion in 4Q22 to R$74 billion in 1Q26.
Management emphasizes a strategy centered on a 100% digital “super app,” low cost of funding and cost-to-serve, and a focus on secured lending such as mortgages and payroll loans. They introduce a conceptual “Rule of 50,” where net revenue growth plus ROE are intended to sum to roughly 50% over time, supported by AI-driven underwriting, collections, and personalization.