Inter & Co (INTR) just posted its first quarter 2026 results, reporting net income of R$394.79 million and basic earnings per share from continuing operations of R$0.89. The company also provided updates on client growth and digital initiatives.

Even with record Q1 profitability, a new AI tool in Seven and refreshed corporate bylaws, momentum in the stock has cooled, with a 30 day share price return of 13.55% decline and a 1 year total shareholder return of 3.49% decline. The 3 year total shareholder return remains very large.

If you are weighing Inter & Co against other opportunities in tech enabled finance, it can help to compare it with 60 profitable AI stocks that aren't just burning cash

With the stock down over the past year but still showing a very large 3 year total return and trading at a discount to some valuation estimates, you have to ask: is this a fresh entry point, or is the market already pricing in future growth?

Most Popular Narrative: 79.9% Undervalued

Inter & Co's most followed narrative on Simply Wall St anchors on a fair value of $33.30 per share, far above the recent $6.70 close, which puts a spotlight on the long term 60/30/30 plan and what it implies for earnings power.

At the beginning of 2023, Inter surprised those who did not follow the thesis in the market by disclosing its 60/30/30 Plan, which is a set of company guidelines for the year 2027. The company's goal is to reach 60 million customers, an efficiency index (expenses/revenues) of 30% and a return on equity (ROE) of 30%. In addition, a profit goal of R$ 5 billion and a goal of reaching R$ 100 billion in your credit portfolio were disclosed.

Curious how a 2027 roadmap for customers, efficiency, ROE, profits and credit volume translates into that higher fair value estimate? The narrative spells out the growth mix, margin assumptions and monetization ramp that underpin the gap between $6.70 and $33.30, along with how execution on the 60/30/30 plan could influence those numbers.

Result: Fair Value of $33.30 (UNDERVALUED)

However, this depends on credit quality and cost of risk staying contained, and on fee income trends not weakening further, which could undercut the 60/30/30 roadmap.

Next Steps

With both risks and rewards in play, do you want to rely only on others' views, or test the numbers yourself and move quickly to shape your own stance using the 3 key rewards and 2 important warning signs

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.