INTR

Inter & Co, Inc.

54
Fundamentals68/ 100
Valuation50/ 100
Upside potential64/ 100
Risk potential42/ 100

INTR's fundamentals are strong: revenue grew 42% and earnings per share grew 38%. Its PE isn't a useful guide right now because of how its recent earnings were reported.

IREN

IREN Limited

There isn't enough reported data to score IREN yet.

INTR Fundamentals

MetricStatus
Healthy
Healthy
N/A
N/A

INTR's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like INTR.

IREN Fundamentals

MetricStatus
Under pressure
Weak
N/A
N/A

IREN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like IREN.

INTR PE Valuation

CHEAPFAIREXPENSIVE45x90x135x180x
CHEAPFAIREXPENSIVE45x90x135x180x
LevelPEPriceVs current
Current6.4x$3.96—
Cheap9.4x$5.82+47%
Fair17x$10.51+165%
Expensive60x$37.23+840%

Historical ranges are pointers, not guarantees.

INTR's PE is 6.3x, but its earnings don't support one, so it isn't a reliable read right now.

IREN PE Valuation

IREN has no meaningful PE right now: it lost money over the past year.

INTR Forward outlook

MetricOutlook
--
Growth
Strong growth
Strongly weakening
Limited
High

Analysts expect earnings and revenue growth for INTR, but weaker profitability.

IREN Forward outlook

MetricOutlook
--
Losses growing
Strong growth
Strongly improving
Limited
Low

Analysts expect IREN's losses to grow, with revenue growing. However, they disagree widely on these estimates.

INTR Risk to reward

ScenarioChangePrice
Upside+73%$6.87
Downside-42%$2.31

Calculated from the latest close: $3.96 on Nov 12.

There is not enough scenario data to compare INTR and IREN's risk to reward.

IREN Risk to reward

ScenarioChangePrice
UpsideUnknown—
DownsideUnknown—

Calculated from the latest close: $19.48 on Nov 12.

There is not enough scenario data to compare INTR and IREN's risk to reward.

INTR Earnings Per Share

Q3 2023: $0.08Q4 2024: $0.37Q1 2025: $0.41Q2 2025: $0.45Q3 2025: $0.49Q4 2025: $0.54Q1 2026: $0.58Q2 2026: $0.62
Q3 2023: $0.08Q4 2024: $0.37Q1 2025: $0.41Q2 2025: $0.45Q3 2025: $0.49Q4 2025: $0.54Q1 2026: $0.58Q2 2026: $0.62
QuarterTTM EPSYoY
Q2 2026$0.62+38%
Q1 2026$0.58+41%
Q4 2025$0.54+46%
Q3 2023$0.08+$0.10
Q2 2023$0.03+200%
Q1 2023-$0.00-100%
Q4 2022-$0.01-150%
Q3 2022-$0.02-200%

INTR has the edge over IREN on earnings quality, reporting a profit while its opponent remains loss making.

IREN Earnings Per Share

Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
QuarterTTM EPSYoY
Q3 2026-$3.96-347%
Q2 2026-$2.22-988%
Q1 2026$0.51+$1.10
Q4 2025$1.18+$1.62
Q3 2025$1.60+$1.99
Q2 2025$0.25+$0.45
Q1 2025-$0.59-$0.43
Q4 2024-$0.44-$0.15

IREN has swung to a loss: it lost $3.96 per share over the past year, after a profit the year before.

INTR Quarterly Revenue

Q3 2023: $365MQ4 2023: $235MQ1 2024: $387MQ2 2024: $403MQ3 2024: $450MQ4 2024: $499MQ1 2025: $540MQ2 2025: $614MQ3 2025: $683MQ4 2025: $737MQ1 2026: $751MQ2 2026: $821M
Q3 2023: $365MQ4 2023: $235MQ1 2024: $387MQ2 2024: $403MQ3 2024: $450MQ4 2024: $499MQ1 2025: $540MQ2 2025: $614MQ3 2025: $683MQ4 2025: $737MQ1 2026: $751MQ2 2026: $821M
QuarterRevenueYoY
Q2 2026$820.6M+34%
Q1 2026$750.6M+39%
Q4 2025$737.3M+48%
Q3 2025$683.2M+52%
Q2 2025$613.6M+52%
Q1 2025$540.1M+39%
Q4 2024$498.7M+112%
Q3 2024$449.7M+23%

INTR's revenue has grown year over year for 14 quarters in a row: $821M last quarter, up 34% from the same quarter a year ago.

IREN Quarterly Revenue

Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
QuarterRevenueYoY
Q3 2026$228M-5.1%
Q2 2026$137.2M-27%
Q1 2026$144.8M0%
Q4 2025$184.7M+59%
Q3 2025$240.3M+355%
Q2 2025$187.3M+230%
Q1 2025$144.8M+168%
Q4 2024$116.1M+176%

IREN's revenue has held roughly level: $228M last quarter, down 5.1% from the same quarter a year ago.

INTR Free Cash Flow

Q3 2023: $317MQ4 2023: --Q1 2024: −$223MQ2 2024: $64MQ3 2024: $31MQ4 2024: $386MQ1 2025: $214MQ2 2025: $431MQ3 2025: −$156MQ4 2025: $212MQ1 2026: $56MQ2 2026: −$587M
Q3 2023: $317MQ4 2023: --Q1 2024: −$223MQ2 2024: $64MQ3 2024: $31MQ4 2024: $386MQ1 2025: $214MQ2 2025: $431MQ3 2025: −$156MQ4 2025: $212MQ1 2026: $56MQ2 2026: −$587M
QuarterFree cash flowYoY
Q2 2026-$587.3M-236%
Q1 2026$56.3M-74%
Q4 2025$212.4M-45%
Q3 2025-$155.9M-602%
Q2 2025$431M+570%
Q1 2025$213.9M+$437.3M
Q3 2024$31M-90%
Q2 2024$64.3M-89%

INTR has the edge over IREN on cash flow, with more consistent year-over-year improvement.

IREN Free Cash Flow

Q4 2023: −$29MQ1 2024: −$222MQ2 2024: −$163MQ3 2024: −$387MQ4 2024: −$134MQ1 2025: −$351MQ2 2025: $16MQ3 2025: −$38MQ4 2025: −$468MQ1 2026: −$874MQ2 2026: $482MQ3 2026: −$1.6B
Q4 2023: −$29MQ1 2024: −$222MQ2 2024: −$163MQ3 2024: −$387MQ4 2024: −$134MQ1 2025: −$351MQ2 2025: $16MQ3 2025: −$38MQ4 2025: −$468MQ1 2026: −$874MQ2 2026: $482MQ3 2026: −$1.6B
QuarterFree cash flowYoY
Q3 2026-$1.6B-$1.6B
Q2 2026$482.2M+2895%
Q1 2026-$873.8M-$523.1M
Q4 2025-$468M-$334M
Q3 2025-$38M+$349.4M
Q2 2025$16.1M+$179M
Q1 2025-$350.7M-$128.7M
Q4 2024-$134M-$105.2M

IREN's free cash flow was −$2.5B over the past year, against −$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.

INTR Total Shares

Q3 2023: 402MQ4 2023: 402MQ1 2024: 426MQ2 2024: 436MQ3 2024: 438MQ4 2024: 442MQ1 2025: 440MQ2 2025: 444MQ3 2025: 448MQ4 2025: 441MQ1 2026: 446MQ2 2026: 448M
Q3 2023: 402MQ4 2023: 402MQ1 2024: 426MQ2 2024: 436MQ3 2024: 438MQ4 2024: 442MQ1 2025: 440MQ2 2025: 444MQ3 2025: 448MQ4 2025: 441MQ1 2026: 446MQ2 2026: 448M
PeriodChange %Net change
Quarterly+0.5%+2.2M shares
1 year+0.9%+3.9M shares
3 years+11%+46M shares
5 years+12%+46.6M shares
Available history-79%-1.7B shares

INTR has the edge over IREN on shareholder dilution, with a more favorable share count trend.

IREN Total Shares

Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
PeriodChange %Net change
Quarterly+26%+82.4M shares
1 year+10%+36.9M shares
3 years+511%+333M shares
5 years+624%+344M shares
Available history+2346%+382M shares

IREN has 399M diluted shares, up 10% from a year ago.

INTR Net Leverage

Q3 2023: 9.9xQ4 2023: -7.3xQ1 2024: 3.8xQ2 2024: 3.0xQ3 2024: 4.6xQ4 2024: 3.6xQ1 2025: 5.2xQ2 2025: 4.7xQ3 2025: 4.3xQ4 2025: 9.5xQ1 2026: 10.2xQ2 2026: 9.7x
Q3 2023: 9.9xQ4 2023: -7.3xQ1 2024: 3.8xQ2 2024: 3.0xQ3 2024: 4.6xQ4 2024: 3.6xQ1 2025: 5.2xQ2 2025: 4.7xQ3 2025: 4.3xQ4 2025: 9.5xQ1 2026: 10.2xQ2 2026: 9.7x
QuarterNet LeverageStatus
Q2 20269.7xHigh
Q1 202610.2xHigh
Q4 20259.5xHigh
Q3 20254.3xHigh
Q2 20254.7xHigh
Q1 20255.2xHigh
Q4 20243.6xElevated
Q3 20244.6xHigh

INTR has the edge over IREN on leverage, with a lower net debt burden relative to earnings.

IREN Net Leverage

Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
QuarterNet LeverageStatus
Q1 2026157.6xHigh
Q4 202522.2xHigh
Q3 20254.1xHigh
Q2 20252.0xModerate
Q1 20253.3xElevated
Q4 2024-4.6xNet Cash
Q3 2024-16.7xNet Cash
Q2 2024-15.9xNet Cash

IREN's net debt is more than 20 years of its operating earnings (EBITDA), up from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like IREN.

INTR Weekly Momentum

MetricValueStatus
RSI37.6Neutral
Stochastic3.4Oversold

INTR's weekly RSI is 38 (neutral) and its Stochastic is 3 (oversold).

IREN Weekly Momentum

MetricValueStatus
RSI33.3Neutral
Stochastic8.2Oversold

IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (oversold).

INTR PE vs Financial Services Sector

MetricINTRSector medianRelative
PE6.4x13x51% below
PE %25957 pts below

INTR is trading at 6.3x earnings, a 51% discount to the Financial Services sector's median of 13x, though its earnings don't support one.

IREN PE vs Financial Services Sector

MetricIRENSector medianRelative
PEN/A13x—

IREN has no meaningful PE right now: it lost money over the past year.

INTR Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$5.5028% below
20 week MA$5.4828% below
50 week MA$6.8242% below
100 week MA$6.8642% below
200 week MA$5.7831% below

INTR is in a downtrend: it's below all five of its weekly moving averages, and 31% below its 200-week average.

IREN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$29.835% below
20 week MA$36.246% below
50 week MA$42.854% below
100 week MA$32.039% below
200 week MA$19.12.1% above

IREN has the edge over INTR on trend strength, trading above more of its moving averages.

INTR Yearly ROI

YearStart priceEnd priceROI
2022$3.39$2.13-37%
2023$2.13$5.56+161%
2024$5.56$4.25-24%
2025$4.25$8.45+99%
2026 YTD$8.45$3.96-53%

INTR has finished lower in two of the last four years. It's down 53% so far in 2026.

IREN Yearly ROI

YearStart priceEnd priceROI
2021$24.8$17.2-31%
2022$17.2$1.19-93%
2023$1.19$7.15+501%
2024$7.15$10.7+50%
2025$10.7$40.3+276%
2026 YTD$40.3$19.5-52%

IREN has the edge over INTR on returns for 2026, with the stronger performance.

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