Title

Earning Preview: Inter & Co Inc revenue is expected to increase by 31.66%, and institutional views are unclear

Abstract

Inter & Co Inc is scheduled to release its quarterly results on February 10, 2026 Pre-Market, with current projections indicating revenue growth and higher earnings per share, while fresh institutional previews during the specified period remain limited.

Market Forecast

Current estimate profiles for Inter & Co Inc point to this quarter’s revenue of USD 2.37 billion, implying a year-over-year increase of 31.66%, with estimated EPS of USD 0.85, up 36.43% year over year, and estimated EBIT of USD 470.28 million, up 19.31% year over year; margin forecasts were not provided in the available dataset. Taken together, these metrics suggest an expectation of continued top-line expansion paired with earnings leverage, although the absence of explicit gross margin or net margin guidance in the feed limits precision on profitability trajectory.

Within the company’s commercial mix, the Banking and Spending line remains the primary engine, contributing USD 3.35 billion last quarter (87.29% share), setting the backdrop for this quarter’s narrative around account activity, spending volumes, and monetization. The Investments segment emerges as a potential incremental growth lever, posting USD 138.85 million last quarter; year-over-year comparisons for segment revenues were not provided in the returned data.

Last Quarter Review

In the last reported quarter, Inter & Co Inc delivered revenue of USD 1.33 billion (down 20.70% year over year), gross margin was not disclosed in the available feed, GAAP net profit attributable to shareholders was USD 336.00 million, net profit margin was 22.11%, and adjusted EPS (per the feed’s EPS actual) was USD 0.75 (up 38.89% year over year). Quarter on quarter, net profit increased by 6.73%, underscoring a stable earnings progression despite uneven revenue dynamics.

A notable financial highlight was the maintenance of a 22.11% net profit margin, indicating disciplined cost control and an earnings mix supportive of bottom-line resilience during a period when the top line contracted on a year-over-year basis. On the business side, Banking and Spending produced USD 3.35 billion last quarter (87.29% of the breakdown), while Store generated USD 186.84 million (4.86%), Investments USD 138.85 million (3.62%), Insurance Brokerage USD 119.84 million (3.12%), adjustments of -USD 232.42 million (-6.05%), and Other USD 274.99 million (7.16%); year-over-year segment growth rates were not provided.

Current Quarter Outlook

Main Commercial Engine: Banking and Spending

Banking and Spending is the company’s core commercial driver and the largest revenue contributor, accounting for 87.29% of the last quarter’s breakdown at USD 3.35 billion. This concentration positions the line to have an outsized influence on the quarter’s reported revenue, EPS, and EBIT. With the market looking for USD 2.37 billion of revenue this quarter and USD 0.85 of EPS, monetization of client activity, spending volumes, and payments flows will be critical variables behind whether Inter & Co Inc meets or exceeds expectations. The 22.11% net profit margin reported last quarter provides a profitability reference point; sustaining or improving that level will likely depend on how well the group balances fee growth and funding costs in the current environment. Operationally, engagement trends such as active users, card transactions, and cross-sell penetration are likely to be focal, because they can translate into higher interchange, service fees, and interest-related income, thereby reinforcing both top-line growth and earnings carry-through.

The quarter-on-quarter improvement in GAAP net profit of 6.73% last quarter suggests incremental earnings momentum coming into the current print. Translating that momentum into the new quarter will require stability in credit cost trends and a firm handle on operating expenses, so that revenue growth does not get diluted by elevated provisioning or cost inflation. While gross margin data was not furnished in the available feed, the estimated EBIT of USD 470.28 million for this quarter implies that operating margin structure remains supportive of the forecast EPS uplift. If revenue seasonality in spending and payments aligns favorably with cost discipline and credit metrics, the company’s Banking and Spending franchise can provide the backbone for delivering on the projected 31.66% year-over-year revenue increase.

Most Promising Growth Option: Investments

Investments posted USD 138.85 million in the last quarter’s breakdown, representing 3.62% of the mix. Although smaller than Banking and Spending, this line may amplify earnings sensitivity because it can drive fee-based income and balance sheet returns that are less volume-intensive than transaction-led revenue. The absence of a disclosed year-over-year segment growth rate in the feed limits a quantitative yardstick, but its recurring contribution, coupled with the estimated EPS growth of 36.43% this quarter, suggests that incremental gains in Investments could deliver an outsized impact on per-share earnings. In many integrated financial platforms, Investments revenue scales with client asset growth and product breadth; if client balances and adoption of wealth products progressed over the quarter, upside to fee revenue within this segment becomes plausible.

From an earnings mechanics perspective, Investments revenue can be margin-accretive because it generally carries less direct cost of funds than interest-sensitive lines, thereby potentially supporting net margin durability around the previously reported 22.11% level. Additionally, stability in capital markets tone during the quarter would support transactional and recurring advisory revenue streams. Execution factors to track include product penetration into the existing customer base, asset allocation mix effects on fee take rates, and the elasticity of demand for investment products against broader market conditions. A constructive outcome in these areas would help reinforce the estimated EBIT increase of 19.31% year over year and provide diversification benefits to the revenue base.

Other Commercial Lines: Store and Insurance Brokerage

Beyond the core, Store contributed USD 186.84 million last quarter (4.86%), while Insurance Brokerage added USD 119.84 million (3.12%). These lines help expand the ecosystem’s revenue drivers, creating opportunities for fee growth and cross-sell synergies. Although the available feed does not include year-over-year segment growth rates, consistent expansion in Store—through merchant onboarding, marketplace activity, or ancillary commerce services—and in Insurance Brokerage—through policy distribution and renewal activity—would add ballast to the overall revenue profile in the quarter. If these lines scale efficiently, they can enhance operating leverage by tapping shared infrastructure and analytics capabilities, thereby supporting the overall EBIT estimate of USD 470.28 million.

Both segments also provide a buffer to variability in other revenue categories by anchoring more predictable fee streams. Commercially, there is potential to elevate per-customer monetization by bundling Store offerings with Banking and Spending products and integrating insurance at key customer lifecycle moments. The contribution from these segments, even at mid-single-digit mix percentages, can shape the company’s ability to absorb fluctuations in other lines and sustain the projected EPS of USD 0.85. Maintaining momentum here will be most effective if customer engagement and conversion paths remain robust throughout the quarter.

Key Stock Price Swing Factors This Quarter

Three data points are likely to matter most for the equity reaction. First, revenue delivery versus the USD 2.37 billion estimate, as investor attention will focus on whether transaction-led Banking and Spending volumes and fee income sufficiently offset any seasonal or macro headwinds. A clear beat would likely require a favorable combination of volume growth and monetization, while a miss would likely point to pressure on either activity levels or pricing. Second, profitability markers that triangulate to the EPS estimate of USD 0.85 and the EBIT estimate of USD 470.28 million; with last quarter’s net margin at 22.11%, investors will parse whether mix and operating efficiency can hold margins near that reference point without the benefit of disclosed gross margin guidance. Third, expense and credit-cost discipline, because even modest shifts in provisioning or operating costs can meaningfully influence the translation of revenue into bottom-line earnings.

The interplay between recurring fee income and funding-related revenue will shape the earnings mix. To the extent Investments, Store, and Insurance Brokerage deliver proportionally higher contributions, overall margin resilience could improve, supporting the 36.43% year-over-year EPS growth projection. Conversely, if revenue growth is skewed toward lower-margin components or if credit costs trend higher than expected, the path to the EPS estimate would become narrower. With last quarter’s GAAP net profit at USD 336.00 million and quarter-on-quarter growth of 6.73%, the momentum baseline is constructive; validation in this quarter will likely hinge on execution consistency across the ecosystem.

Analyst Opinions

Within the specified observation window, we did not identify new analyst previews or rating changes that meet the inclusion criteria, so a majority bullish-versus-bearish ratio cannot be established from fresh publications. In the absence of recent institutional commentary, the available estimate profile provides the clearest directional signal: revenue is projected at USD 2.37 billion, up 31.66% year over year, with EPS of USD 0.85, up 36.43% year over year, and EBIT of USD 470.28 million, up 19.31% year over year. This combination implies a constructive earnings setup contingent on revenue execution and margin carry-through, although it leaves open questions about gross margin trajectory due to the lack of explicit guidance in the dataset.

From a practical standpoint, what is likely to matter most to analysts as they update their views post-print is whether the company can align reported performance with these estimates while maintaining the 22.11% net margin reference point from last quarter. Continuity in quarterly net profit growth—last observed at a 6.73% quarter-on-quarter increase—would reinforce confidence in the earnings power implied by the current EPS projection. On the other hand, if revenue mix or cost dynamics materially diverge from the prior quarter, the reaction function of estimates could skew conservative until clarity improves. Without recent published opinions to cite directly, the balance of risk and opportunity appears centered on delivery against the USD 2.37 billion revenue and USD 0.85 EPS markers, as well as on signals from Banking and Spending that speak to durability of customer activity and monetization across the platform. In short, while we cannot present a quantified majority view from new reports in the defined window, the prevailing estimates correspond to an expectation set that leans toward growth in both top line and earnings—making the quality of this quarter’s execution the decisive factor for near-term stock performance.