$INTR

Inter & Co, Inc.

CIK:0001864163|SEC Filings

Consolidated income statements (Statement) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Profit or loss [abstract]
Interest income	R$ 8,638,477	R$ 5,139,213	R$ 4,549,827
Interest expense	(5,977,127)	(3,311,638)	(2,887,573)
Income from securities and derivatives	3,612,469	2,629,170	1,634,543
Net interest income and income from securities, derivatives and foreign exchange	6,273,819	4,456,744	3,296,797
Net revenues from services and commissions	2,008,095	1,753,280	1,304,382
Cost of sales	(182,202)	(143,430)	(135,582)
Other revenue	301,226	333,571	286,979
Revenues	8,400,938	6,400,165	4,752,576
Impairment losses on financial assets	(2,416,353)	(1,799,452)	(1,541,584)
Administrative expenses	(2,200,604)	(1,769,055)	(1,461,348)
Personnel expenses	(1,090,333)	(937,761)	(790,739)
Tax expense other than income tax expense	(728,734)	(477,037)	(326,584)
Depreciation and amortization	(340,727)	(208,829)	(160,440)
Income from equity interests in associates	0	(2,480)	(32,040)
Income before income tax	1,624,187	1,205,550	439,841
Income tax	(226,866)	(232,709)	(87,581)
Net income for the year	1,397,321	972,841	352,260
Owners of the Company	1,312,390	907,132	302,343
Non-controlling interest	R$ (84,931)	R$ (65,709)	R$ (49,917)
Basic earnings (loss) per share	R$ 2.98	R$ 2.08	R$ 0.75
Diluted earnings (loss) per share	R$ 2.96	R$ 2.07	R$ 0.75

Statement of cash flows, indirect method (Statement) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Cash flows from (used in) operating activities [abstract]
Profit (loss)	R$ 1,397,321	R$ 972,841	R$ 352,260
Adjustments to reconcile profit (loss) [abstract]
Depreciation and amortization	340,727	208,829	160,440
Result of equity interests in associates	0	2,480	32,040
Impairment losses on financial assets	2,416,353	1,799,452	1,541,584
Expenses with provisions for contingencies	56,039	49,120	38,611
Adjustments for income tax and social contribution	(77,985)	232,709	87,581
Provisions/ (Reversals) for loss of assets	0	(52,971)	(42,214)
Capital gains (losses)	23,547	(55,538)	(41,785)
Provision for performance fees	(41,574)	(73,650)	(135,260)
Effect of the exchange rate variation on cash and cash equivalents	(136,271)	(134,448)	(88,708)
Deposits at Central Bank of Brazil	(2,582,257)	(2,620,987)	190,363
Loans and advances to customers	(14,215,701)	(7,204,248)	(8,062,211)
Amounts due from financial institutions	1,575,639	(1,702,514)	540,350
Securities	(429,431)	(296,267)	70,642
Derivative financial assets	(58,351)	3,675	(4,238)
Non-current assets held for sale	(151,875)	(60,257)	(7,412)
Other assets	(899,681)	(465,552)	(341,901)
Deposits from banks	3,266,127	965,973	1,615,572
Deposits from customers	12,079,855	10,151,609	9,008,816
Securities issued	4,236,925	1,795,177	1,892,877
Derivative financial liabilities	121,232	(90,256)	(22,705)
Borrowings and on-lending	688,571	(282,131)	69,700
Tax liabilities	523,875	207,456	178,906
Provisions	(62,168)	26,458	(25,608)
Other liabilities	168,324	824,072	799,771
Income tax paid	(509,643)	(441,972)	(263,362)
Net cash from operating activities	7,729,598	3,759,060	7,544,109
Cash flows from (used in) investing activities [abstract]
Cash flows used in obtaining control of subsidiaries or other businesses	0	(81,675)	(62,357)
Purchase of property, plant and equipment	(109,569)	(81,974)	(17,881)
(Acquisition) of financial assets at FVOCI	(460,494)	(427,683)	(256,210)
Proceeds from sale of financial assets at FVOCI	9,807,669	17,710,057	19,381,768
(Acquisition) of financial assets at amortized cost	5,697,661	11,029,542	14,913,627
Proceeds from sale of financial assets at amortized cost	(249,499)	(554,540)	(680,391)
Proceeds from sale of financial assets at FVTPL	26,213	98,852	818,576
Net cash used in investing activities	(4,903,357)	(7,727,535)	(4,666,404)
Cash flows from (used in) financing activities [abstract]
Increase (decrease) of capital in cash flow from financing activities	0	823,036	0
Cost associated with issuing capital securities	0	(38,768)	0
Dividends paid	(243,696)	(82,080)	(23,600)
Payments to acquire or redeem entity's shares	(27,110)	(18,954)	(16,409)
Resources to non-controlling interest	1,413	(191)	1,327
Net cash from (used in) financing activities	(269,393)	683,043	(38,682)
Increase/(Decrease) in cash and cash equivalents	2,556,848	(3,285,432)	2,839,023
Cash and cash equivalents at the beginning of the fiscal year	1,108,394	4,259,379	1,331,648
Effect of the exchange rate variation on cash and cash equivalents	136,271	134,447	88,708
Cash and cash equivalents at December 31	R$ 3,801,513	R$ 1,108,394	R$ 4,259,379

Consolidated balance sheets (Statement) - BRL (R$) R$ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Assets [abstract]
Cash and cash equivalents	R$ 3,801,513	R$ 1,108,394
Loans and advances to banks	4,600,218	6,194,960
Mandatory reserve deposits at central banks	7,867,658	5,285,402
Financial assets	29,010,323	23,899,551
Derivative financial assets	58,915	563
Loans and advances to customers, net of provisions for expected loss	45,251,104	33,327,355
Non-current assets held for sale	366,398	234,611
Equity accounted investees	10,401	10,401
Property, plant and equipment	381,404	369,942
Intangible assets and goodwill	2,023,939	1,836,053
Deferred tax assets	1,789,304	1,676,341
Other assets	3,450,341	2,486,145
Total assets	98,611,518	76,429,717
Equity and liabilities [abstract]
Deposits from banks accrued payable and repurchase agreements and cash collateral on securities lent	14,585,704	11,319,577
Deposits from customers	54,883,084	42,803,229
Securities issued.	14,127,144	9,890,219
Derivative financial liabilities	54,114	70,048
Borrowings	817,495	128,924
Other tax liabilities	815,527	574,429
Tax liabilities	675,438	462,501
Income tax and social contribution	140,089	111,928
Other provisions	265,455	155,262
Deferred tax liabilities	40,923	32,790
Other liabilities	2,629,110	2,382,932
Total liabilities	88,218,556	67,357,410
Issued capital	13	13
Other Reserves Excluding Accumulated Other Comprehensive Income	10,971,176	9,793,992
Other comprehensive loss	(801,600)	(898,830)
Equity attributable to owners of the Company	10,169,589	8,895,175
Non-controlling interests	223,373	177,132
Total equity	10,392,962	9,072,307
Total liabilities and equity	R$ 98,611,518	R$ 76,429,717