Inter&Co Reports Record Results, Driven by 36% Credit Expansion and 45% Net Income Growth in 2025

Core Insights - Inter&Co Inc. reported strong financial results for Q4 2025, highlighting exceptional growth and consistent profitability while expanding its market presence [1][2]. Financial Performance - The company achieved a net income of R$1.3 billion (approximately US$250 million), reflecting a 45% year-over-year growth [7]. - Annualized Return on Equity (ROE) surpassed 15%, indicating disciplined execution and a focus on sustainable profitability [7]. - Net Interest Margins (NIMs) reached a record 9.6%, up from 8.7% in Q4 2024, showcasing the effectiveness of the capital allocation strategy [7]. Client Growth and Engagement - Inter&Co added a record-breaking 4.4 million new active clients in 2025, bringing the total to 25 million [7]. - The company noted increased client engagement with higher transaction volumes and record levels of Average Revenue Per Active Client (ARPAC) [3]. Credit Portfolio Expansion - The credit portfolio expanded by 36% year-over-year, significantly outpacing the Brazilian market growth rate, driven by strategic products such as Private Payroll Loans, Mortgages, and Credit Cards [7]. Strategic Focus - The company continues to deploy capital in a disciplined manner, aiming to deepen credit penetration and extract incremental value from its balance sheet [4].