Core Insights - Momentum investing focuses on following a stock's recent price trends, aiming to buy high and sell higher, with the expectation that established trends will continue [1][2] - Inter & Co. Inc. (INTR) currently holds a Momentum Style Score of B, indicating potential for solid momentum trading [3][12] Company Performance - INTR shares have increased by 6.22% over the past week, outperforming the Zacks Financial - Miscellaneous Services industry, which declined by 2.5% during the same period [6] - Over the past month, INTR's price change is 8.54%, significantly better than the industry's 1.03% performance [6] - In the last quarter, INTR shares rose by 28.99%, while the S&P 500 only moved -0.52% [7] - Over the past year, INTR has gained 17.1%, compared to the S&P 500's 14.2% increase [7] Trading Volume - The average 20-day trading volume for INTR is 2,727,888 shares, which serves as a bullish indicator when combined with rising stock prices [8] Earnings Outlook - Recent earnings estimate revisions for INTR show 2 estimates moving higher for the full year, raising the consensus estimate from $0.51 to $0.53 [10] - For the next fiscal year, 2 estimates have also increased, with no downward revisions noted [10] Conclusion - Given the positive momentum indicators and earnings outlook, INTR is rated as a 2 (Buy) stock with a Momentum Score of B, making it a strong candidate for near-term investment [12]

Intrepid Metals Intercepts 27.50% Copper, 10.15 gpt Gold, and 192 gpt Silver Over 0.55m in First Drill Hole of 2025 at Corral Copper May 27, 2025 7:00 AM EDT | Source: Intrepid Metals Corp. Vancouver, British Columbia--(Newsfile Corp. - May 27, 2025) - Intrepid Metals Corp. (TSXV: INTR) (OTCQB: IMTCF) ("Intrepid" or the "Company") is pleased to announce results from the first diamond drill hole of its 2025 exploration program at the Company's Corral Copper Property ("Corral" or the "Property") in Cochise Co ...

Core Points - Intrepid Metals Corp. has amended its option agreement with New Empire Exploration LLC to acquire a 100% interest in the Tombstone South Property in Arizona, extending the work commitment deadlines from May 2025 to May 2026 and from May 2026 to May 2027, in exchange for 300,000 common shares and an additional payment of US$25,000 [1] - The company has entered into a services agreement with Resource Stock Digest for promotional services, with an initial 3-month program starting May 15, 2025, for a fee of US$10,000 [2][3] - Resource Stock Digest will not receive shares or options as compensation, and the agreement is subject to approval from the TSX Venture Exchange [4][5] Company Overview - Intrepid Metals Corp. focuses on exploring high-grade essential metals such as copper, silver, and zinc in southeastern Arizona, with several drill-ready projects including the Corral Copper Project and the Tombstone South Project [6] - The company is traded on the TSX Venture Exchange under the symbol "INTR" and on the OTCQB Venture Market under "IMTCF" [6]

Group 1 - The recommendation is to buy shares of Inter & Co (INTR) following the release of Q1 2025 results [1] - The article continues from a previous coverage initiation published on April 20, 2024, indicating a sustained interest in the company's performance [1] - The analysis is backed by over 5 years of experience in equity analysis in the Latin American market [1]

I recently traveled to the USA, and as well as going to Omaha for the Berkshire Hathaway ( BRK.B ) meeting, I also went to Miami. On the streets of Miami, I came across some robots that do last-mile deliveries, suchEquity Research Analyst with a broad career in the financial market, covered both Brazilian and global stocks. As a value investor, my analysis is primarily fundamental, focusing on identifying undervalued stocks with growth potential. Feel free to reach out for collaborations or to connect! Asso ...

Momentum investing revolves around the idea of following a stock's recent trend in either direction. In the 'long' context, investors will be essentially be "buying high, but hoping to sell even higher." With this methodology, taking advantage of trends in a stock's price is key; once a stock establishes a course, it is more than likely to continue moving that way. The goal is that once a stock heads down a fixed path, it will lead to timely and profitable trades.Even though momentum is a popular stock char ...

Financial Data and Key Metrics Changes - The company reported a total gross revenue of BRL 3.2 billion and net revenue of BRL 1.8 billion, reflecting a year-over-year growth of 3831% [30] - The efficiency ratio improved to 48.8%, with a return on equity (ROE) of 12.9% [33][35] - The cost of risk decreased to 4.6%, marking the best performance since 2022 [27] Business Line Data and Key Metrics Changes - The total loans grew by 33% year-over-year, significantly outpacing the Brazilian market [23] - The Consumer Finance 2.0 portfolio expanded over five times year-over-year, reaching BRL 920 million [15] - The investments vertical saw assets under custody (AUC) increase by 54% year-over-year, reaching BRL 146 billion [16] Market Data and Key Metrics Changes - The company achieved an 8.2% market share in transactions made through PIX, totaling BRL 315 billion in the first quarter [14] - The marketplace's gross merchandise volume (GMV) grew by almost 30% year-over-year, reaching BRL 300 million [18] - The company gained more than 40 basis points of market share in seven out of ten presented products [21] Company Strategy and Development Direction - The company is focused on sustainable products and a diversified revenue stream, positioning itself well in a rapidly changing banking industry [6][8] - The launch of the private payroll product is seen as a significant opportunity for market share capture [44] - The strategy emphasizes digitalization and client engagement through a complete digital platform [10] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to thrive amid a secular shift in the banking industry, driven by digitalization and financial inclusion [7][10] - The management highlighted the importance of maintaining credit quality while pursuing growth, particularly in the context of inflation and high interest rates [58] - Future growth is expected to be supported by new product launches and improvements in credit modeling [58] Other Important Information - The company added 1 million new active clients, achieving a 57% activation rate [13] - The credit card portfolio is undergoing a reshaping process, with the participation of installments increasing from 7% to 9% [16] - The company surpassed 12 million clients in its loyalty program, which significantly enhances client engagement [20] Q&A Session Summary Question: Comments on the private payroll product and its impact - Management expressed excitement about the private payroll product, indicating a strong market demand and potential for significant market share capture in the future [42][44] - There was no impact from the new product in the first quarter [45] Question: Insights on NIM trajectory - The NIM growth is attributed to improved credit mix and rising interest rates on loan portfolios, with expectations for continued expansion [46][50] Question: Loan growth expectations and inflation impact - The company anticipates loan growth of 25% to 30% for the year, with no significant impact from inflation or interest rates expected [57][58] Question: Explanation for the decrease in net ARPAK - The decrease in net ARPAK was primarily due to seasonal factors affecting fees and the impact of the 4966 rule, which deferred certain fees [66] Question: Outlook on efficiency ratio and expense growth - The company aims to improve the efficiency ratio to 30% by 2027, with expectations for revenue growth to outpace expense growth [72][74] Question: Asset quality and NPL levels - Management indicated that the NPL levels will depend on the product mix, with expectations for continued improvement in asset quality [92][93] Question: Increase in stage two formation for credit cards - The increase in stage two was a result of the 4966 requirement, with no significant changes in performance or delinquency levels observed [99][100]

Financial Data and Key Metrics Changes - The company reported a total gross revenue of BRL 3.2 billion and net revenue of BRL 1.8 billion, reflecting a year-over-year growth of 3831% respectively [28] - The efficiency ratio improved to 48.8%, a 130 basis points improvement compared to the previous quarter [32] - The return on equity (ROE) reached 12.9%, excluding minority interest, marking a significant achievement for the company [32] Business Line Data and Key Metrics Changes - The total loans grew by 33% year-over-year, significantly outpacing the Brazilian market [22] - The Consumer Finance 2.0 portfolio, which includes PIX financing and buy now pay later, grew more than five times year-over-year, reaching BRL 920 million [15] - The insurance segment saw a 51% increase in active contracts, reaching nearly 8 million [17] Market Data and Key Metrics Changes - The company added 1 million new active clients for the fifth consecutive quarter, achieving a 57% activation rate [13] - Transactions made through PIX totaled BRL 315 billion in the first quarter, achieving an 8.2% market share [14] - The marketplace GMV grew by almost 30% year-over-year, reaching BRL 300 million [18] Company Strategy and Development Direction - The company is focused on sustainable products and a diversified revenue stream, positioning itself well in a rapidly changing banking industry [5][7] - The launch of new products like private payroll loans is seen as a significant opportunity for market share growth [15][16] - The company aims to continue expanding its product offerings and enhancing client engagement to solidify its market position [20] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in capturing market opportunities due to a secular shift towards digital banking services [6] - The company anticipates continued growth in loans, projecting a range of 25% to 30% for the year [56] - Management noted that the current economic environment, including inflation and interest rates, has not negatively impacted their growth strategy [58] Other Important Information - The company achieved nearly 4% market share of treasury direct balance, growing 80 basis points in one year [16] - The cost of risk improved to 4.6%, marking the best performance since 2022 [26] - The company is actively working on improving operational efficiency through technology and AI [76] Q&A Session Summary Question: Comments on the private payroll product and its impact - Management expressed excitement about the private payroll product, indicating it has significant market potential but noted no impact in the first quarter yet [41][44] Question: Expectations for NIM trajectory - Management explained that NIM growth is driven by improved credit mix and rising interest rates on loan portfolios, with expectations for continued expansion [45][48] Question: Loan growth expectations and impact of inflation - Management expects loan growth to accelerate, projecting 25% to 30% growth for the year, with no significant impact from inflation or interest rates [56] Question: Explanation for decrease in net ARPAK - The decrease in net ARPAK was attributed to seasonal factors affecting fees and the deferral of certain fees due to regulatory changes [61][64] Question: Outlook for efficiency ratio and expense growth - Management indicated that efficiency improvements will come from top-line growth outpacing expense growth, aiming for a long-term target of 30% efficiency by 2027 [72] Question: Asset quality and NPL levels - Management noted that the current NPL levels are influenced by product mix and expect further improvements as new products scale [90][91] Question: Increase in stage two formation for credit cards - The increase in stage two was attributed to regulatory requirements rather than a decline in asset quality, with no significant performance issues noted [97][98]

Core Viewpoint - Inter & Co. Inc. reported quarterly earnings of $0.11 per share, missing the Zacks Consensus Estimate of $0.12 per share, representing an earnings surprise of -8.33% [1] - The company posted revenues of $313.42 million for the quarter, missing the Zacks Consensus Estimate by 4.16%, compared to $282.97 million in the same quarter last year [2] Financial Performance - The earnings for the same quarter last year were $0.09 per share, indicating a year-over-year increase [1] - Over the last four quarters, the company has surpassed consensus EPS estimates two times and topped consensus revenue estimates three times [2] Stock Performance - Inter & Co. Inc. shares have increased approximately 68.5% since the beginning of the year, while the S&P 500 has declined by 3.8% [3] Future Outlook - The current consensus EPS estimate for the upcoming quarter is $0.13 on revenues of $336.38 million, and for the current fiscal year, it is $0.52 on revenues of $1.34 billion [7] - The estimate revisions trend for Inter & Co. Inc. is favorable, leading to a Zacks Rank 2 (Buy) for the stock, indicating expected outperformance in the near future [6] Industry Context - The Financial - Miscellaneous Services industry is currently in the top 39% of over 250 Zacks industries, suggesting a positive outlook for stocks within this sector [8]

1Q2025 Earnings Presentation Inter by design May 2025 Earnings Presentation | 1Q25 1 João Vitor Menin | Global CEO Alexandre Riccio | Brazil CEO 1. CEO Overview 2. Business Update 3. Financial Performance Santiago Stel | SVP CFO Earnings Presentation | 1Q25 Earnings Presentation | 1Q25 Agenda 2 Earnings Presentation | 1Q25 Disclaimer This report may contain forward-looking statements regarding Inter, anticipated synergies, growth plans, projected results and future strategies. While these forward-looking st ...