Vancouver, British Columbia--(Newsfile Corp. - August 29, 2025) - Intrepid Metals Corp. (TSXV: INTR) (OTCQB: IMTCF) ("Intrepid" or the "Company") announces that it has entered into an agreement (the "CC Amendment") to amend the Share Purchase Option Agreement dated February 14, 2023, as amended March 17, 2025, with Cave Creek Copper Inc ("Cave Creek") and the shareholders of Cave Creek (the "Cave Creek Shareholders") to acquire a 100% of the shares of Cave Creek which holds a portion of the Corral Copper P ...

Core Insights - Investors are comparing Inter & Co. Inc. (INTR) and American Express (AXP) to determine which stock offers better value [1] - The Zacks Rank system is used to identify strong value stocks, emphasizing companies with positive earnings estimate revisions [2] Valuation Metrics - INTR has a Zacks Rank of 2 (Buy), indicating a stronger earnings outlook compared to AXP, which has a Zacks Rank of 3 (Hold) [3] - Key valuation metrics for INTR include a forward P/E ratio of 15.47 and a PEG ratio of 0.42, while AXP has a forward P/E of 21.40 and a PEG ratio of 1.73 [5] - INTR's P/B ratio is 2.28, significantly lower than AXP's P/B of 7.04, contributing to INTR's Value grade of A compared to AXP's Value grade of C [6] Earnings Outlook - INTR is noted for its improving earnings outlook, which enhances its attractiveness as a value investment [7]

Core Insights - Inter&Co Inc. has been recognized as a "Most Honored Company" in the mid-cap financials sector by Extel, reflecting strong management and investor relations based on feedback from over 500 financial firms [1][4] - The company's stock (INTR) has increased by more than 210% since the introduction of its 60/30/30 plan in 2023, which aims for 60 million clients, a 30% efficiency ratio, and a 30% return on equity (ROE) by 2027 [2] - Inter has evolved its investor relations (IR) function to be data-rich and analytics-driven, enhancing the modeling of its business, with leadership changes that strengthen its focus on both company-specific and macroeconomic issues [3] Investor Relations Achievements - Inter's disciplined approach to investor communication has been validated through various accolades, including first place for Best Investor Day and second place for Best Company Board, Best CEO, and Best CFO [6] - The recognition underscores the credibility of Inter's long-term strategy and reinforces investor confidence in a competitive fintech landscape [4] Company Overview - Inter&Co is a pioneer super app serving over 40 million consumers across the Americas, offering a wide range of services such as digital accounts, investments, mortgages, and credit [5] - The company is rapidly expanding in the United States, highlighted by its naming rights sponsorship of the Inter&Co Stadium, home to Orlando City SC and Orlando Pride [5]

Core Viewpoint - Inter & Co. Inc. (INTR) is positioned as a strong investment opportunity due to significant upward revisions in earnings estimates, indicating a positive earnings outlook and potential for continued stock price gains [1][2]. Earnings Estimate Revisions - Analysts have shown growing optimism regarding Inter & Co. Inc.'s earnings prospects, as reflected in the upward trend of estimate revisions, which historically correlates with stock price movements [2]. - The consensus earnings estimate for the current quarter is $0.14 per share, representing a year-over-year increase of +40.0%. Over the last 30 days, the Zacks Consensus Estimate has risen by 10.26% with no negative revisions [6]. - For the full year, the earnings estimate stands at $0.56 per share, reflecting a +47.4% change from the previous year. In the past month, three estimates have been raised with no negative revisions [7]. Zacks Rank and Performance - Inter & Co. Inc. currently holds a Zacks Rank 2 (Buy), indicating favorable conditions for investment based on the positive estimate revisions [8]. - Historically, stocks with a Zacks Rank 1 (Strong Buy) and 2 (Buy) have significantly outperformed the S&P 500, suggesting a strong potential for Inter & Co. Inc. to deliver returns [8]. Stock Performance - The stock has experienced a 13.5% gain over the past four weeks, driven by solid estimate revisions, reinforcing the potential for further price appreciation as earnings growth prospects improve [9].

Group 1 - Inter & Co. Inc. (INTR) has been upgraded to a Zacks Rank 2 (Buy) due to an upward trend in earnings estimates, which is a significant factor influencing stock prices [1][2] - The Zacks rating system is based on changes in earnings estimates, making it a valuable tool for investors to gauge stock performance [2][5] - The correlation between earnings estimate revisions and stock price movements is strong, largely due to institutional investors adjusting their valuations based on these estimates [3][4] Group 2 - The Zacks Consensus Estimate for Inter & Co. Inc. has increased by 4.4% over the past three months, with expected earnings of $0.56 per share for the fiscal year ending December 2025, indicating no year-over-year change [7] - The Zacks Rank system maintains a balanced distribution of ratings, with only the top 20% of stocks receiving a "Strong Buy" or "Buy" rating, highlighting the potential for superior returns [8][9] - The upgrade to Zacks Rank 2 places Inter & Co. Inc. in the top 20% of Zacks-covered stocks, suggesting a favorable outlook for the stock's performance in the near term [9]

Group 1 - The recommendation is to buy shares of Inter & Co (NASDAQ: INTR) following the disclosure of Q2 results [1] - The analysis is based on over 5 years of experience in equity analysis in Latin America, providing in-depth research and insights for informed investment decisions [1]

Core Insights - Inter & Co. reported strong Q2 earnings, leading to a significant stock price increase of 14.24% to $7.46, marking the highest single-day volatility since July 2023 [1] - Analysts upgraded the stock rating from "Neutral" to "Buy" due to improved profitability and execution efficiency since November 2023 [4] Financial Performance - Q2 earnings per share (EPS) reached $0.13, exceeding analyst expectations of $0.12 by 8.33%, and representing a 44.44% increase from $0.09 in the same quarter last year [1] - Q2 revenue was $353.548 million, surpassing the average analyst forecast of $337 million by 4.91%, and showing a 24.59% growth from $283.765 million year-over-year [1] - Net profit surged 49% year-over-year to 332 million Brazilian Reais (approximately $60.7 million), with a return on equity of 13.6%, up 3.9 percentage points from the previous year [1] Credit Portfolio and Growth - The company's credit portfolio exceeded 40.2 billion Brazilian Reais, growing 22% over the past 12 months, with an annual growth forecast of 25%-30% [4] - 70% of the credit assets are secured by collateral, indicating strong risk resilience [4] - The expansion in credit is primarily driven by a new private wage loan product launched by the Brazilian government in March, which utilizes a centralized wage database for risk assessment [4] - As of the end of June, the new product's portfolio reached 728 million Brazilian Reais, with expectations to surpass 1 billion Reais in Q3 [4] Analyst Sentiment - Analysts from BTG Pactual and Citigroup provided positive evaluations, highlighting improvements in net interest margin, asset quality, and operational efficiency [4] - Despite acknowledging short-term impacts on profitability due to provisions for the new wage loan business, the company views this as a strategic opportunity to penetrate a market traditionally dominated by conventional banks [4]

Inter & Co. Inc. (INTR) came out with quarterly earnings of $0.13 per share, beating the Zacks Consensus Estimate of $0.12 per share. This compares to earnings of $0.09 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +8.33%. A quarter ago, it was expected that this company would post earnings of $0.12 per share when it actually produced earnings of $0.11, delivering a surprise of -8.33%.Over the last four quarters, the company ...

Financial Data and Key Metrics Changes - The company reported a record net income of BRL 315 million, achieving a record return on equity (ROE) of 13.9% [39] - Total gross revenues reached BRL 2.0 billion, reflecting a year-over-year growth of 4835% [32] - The cost of risk was reported at 5%, with expectations to remain in the range of 5% to 5.25% [66][70] Business Line Data and Key Metrics Changes - The private payroll loan portfolio grew to BRL 728 million, serving 153,000 clients, indicating strong digital distribution [21] - Credit penetration among active clients reached 33.8%, supported by initiatives like monthly credit reassessments [20] - The investments vertical saw active clients grow by 38% year-over-year, reaching 7.9 million [22] Market Data and Key Metrics Changes - Total payment value grew by 33% year-over-year, reaching BRL 374 billion, with PIX accounting for BRL 346 billion [18] - The global account client base grew by 34% year-over-year, reaching 4.4 million, with deposits surpassing $294 million, marking a 90% year-over-year increase [25] - The company achieved a net promoter score of 85, indicating strong customer satisfaction [15] Company Strategy and Development Direction - The company aims to enhance client experience through innovative features like MyCredit and My Piggy Bank, focusing on sustainable credit options [8][10] - The strategy includes diversifying fee sources and building a strong funding franchise, which has compounded profitability over the last ten quarters [7] - The company is committed to maintaining a strong balance sheet while investing in long-term growth opportunities [39] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to navigate economic challenges, citing a diversified loan portfolio and strong asset quality metrics [64] - The outlook for the private payroll product remains positive, with expectations of achieving an ROE beyond 30% [50] - Management highlighted the importance of client-centric approaches and effective capital allocation to drive future growth [94] Other Important Information - The company is in a subsidy period for converting BDRs to Class A shares, which is expected to enhance share liquidity in the U.S. market [42] - The company continues to invest in technology and marketing to strengthen brand awareness and operational efficiency [36][38] Q&A Session Summary Question: Update on the private payroll product and its success - Management is optimistic about the private payroll product, expecting to surpass BRL 1 billion in portfolio soon, with delinquency rates better than initially forecasted [48][50] Question: Outlook for credit quality and provisioning levels - Management indicated that the cost of risk is expected to remain stable, with a focus on optimizing risk-adjusted NIM [66][70] Question: Margins on NIM statement and product performance - The company reported improvements in personal loan yields, driven by a favorable competitive dynamic and effective repricing strategies [74][76] Question: Renegotiated portfolio classification and strategy - Management clarified that renegotiated portfolios are primarily classified within stage one, focusing on commercial renegotiations for real estate contracts [110][112] Question: Insights on the 06/3030 plan and future KPIs - Management expressed confidence in achieving the 06/3030 plan, emphasizing the network effect and the tools available to drive growth [94]

Financial Data and Key Metrics Changes - The company reported a record net income of BRL315 million, achieving a record ROE of 13.9% [36] - Total gross revenues reached BRL2.0 billion, reflecting a year-over-year growth of 4835% [30] - The cost of risk reached 5%, with expectations to maintain this level despite growth in riskier products [64][66] Business Line Data and Key Metrics Changes - The private payroll loan portfolio grew to BRL728 million, serving 153,000 clients, demonstrating strong digital distribution [18] - Credit penetration among active clients reached 33.8%, indicating healthy growth in credit offerings [17] - The investments vertical saw a 38% year-over-year growth in active clients, reaching 7.9 million [19] Market Data and Key Metrics Changes - Total payment value grew by 33% year-over-year, reaching BRL374 billion, with PIX accounting for BRL346 billion [16] - The global account client base grew by 34% year-over-year, reaching 4.4 million, with deposits surpassing $294 million, up 90% year-over-year [22] - The company achieved a market share of 8% in the PIX segment, indicating strong competitive positioning [105] Company Strategy and Development Direction - The company focuses on building long-term value through innovative products like MyCredit and My Piggy Bank, enhancing client engagement and financial education [7][9] - The strategy emphasizes sustainable credit options and diversifying fee sources to strengthen profitability [6] - The company aims to leverage its digital platform to enhance user experience and drive cross-selling opportunities across its verticals [11][12] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining strong asset quality, with the lowest NPL levels since 2022 [62] - The outlook for credit quality remains positive, with expectations for continued growth in higher risk segments [64][66] - The company anticipates achieving its six-thirty-thirty plan by 2027, focusing on client growth, efficiency, and ROE [92][94] Other Important Information - The company is migrating share liquidity to the U.S. market, with over 50% of combined volume on most trading days [40] - The subsidy period for converting BDRs to Class A shares ends on August 30 [40] Q&A Session Summary Question: Update on the private payroll product and its success - Management is optimistic about the private payroll product, expecting it to exceed BRL1 billion in portfolio soon, with delinquency rates better than initially forecasted [46][64] Question: Outlook for credit quality and provisioning levels - Management indicated that the cost of risk is expected to remain between 5% to 5.25%, with improvements in asset quality and credit penetration [64][66] Question: Margins on NIM statement and product yields - The company reported an increase in personal loan yields from 19.5% to 23%, driven by a favorable competitive dynamic and product mix [71][73] Question: Changes in the credit card offering - The reshaping of the credit card portfolio focuses on increasing interest-earning products and improving customer solutions for delinquency [80][82] Question: Insights on the 06/3030 plan and future KPIs - Management is confident in achieving the six-thirty-thirty plan, emphasizing the importance of capital allocation and customer-centric approaches [92][94]