Inter & Co. Inc. reported its earnings for the fourth quarter (Q4) of 2025, highlighting a net income of BRL 374 million and a return on equity $(ROE)$ of 15.1 percent for the period. The company added 1.1 million new active clients during the quarter, contributing to a total client base of 43.1 million as of year-end 2025. Inter & Co. Inc. also reported a loan portfolio growth of 36 percent year-over-year and reached a total payment volume (TPV) run rate of BRL 1.8 trillion. The efficiency ratio for the quarter was 45.5 percent. The company noted the use of certain non-IFRS financial measures alongside IFRS figures and provided commentary regarding ongoing efforts to improve the calculation methodologies for its key metrics, including active users and average revenue per active client. The management reiterated the presence of risks and uncertainties that could impact future performance, referencing their continued focus on value creation and operational improvements.

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