Core Insights - Inter&Co Inc. reported strong growth in Q3 2025, achieving significant metrics while focusing on sustainable profitability [2][4] - The company aims to reach 60 million clients, a 30% efficiency ratio, and a 30% return on equity (ROE) as part of its long-term strategy [3] Client Growth - Inter&Co added a record 1.2 million new active clients in the quarter, increasing the total active client base to 24 million [7] - The growth reflects the platform's compelling value proposition and client-centric approach [7] Financial Performance - The company achieved a net income of R$336 million (US$63.2 million), representing a 39% year-over-year growth [7] - The efficiency ratio improved to 45.2%, and the ROE reached 14.2%, indicating effective cost control alongside strategic investments [4][7] Credit Portfolio Expansion - Inter&Co's total credit portfolio grew by 30% year-over-year, significantly outpacing the Brazilian market's growth rate [4][7] - This growth is attributed to enhanced digital experiences and innovative products, such as the Private Payroll offering [4] Asset Quality - The company maintained stable non-performing loan (NPL) ratios despite challenging market conditions, showcasing its robust risk management approach [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]