May. 11 at 2:01 PM
$INTR 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.
