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].

operational highlights in 2025 Net income increases by 26%, evolving in all quarters Revenues grow by 13.2%, being the main driver of higher profitability We Stand For People An Empowered Team Results -Driven Together We Evolve We Stand for Customers Challenge Oriented I AM BRADESCO our evolving culture Translation Profitability continues to improve in a gradual and safe way, driven by revenues, and in the last quarter exceeded the cost of capital R$6.5 bn 4Q25 recurring net income 4Q25 vs. 3Q25 (q/q) 4Q25 ...

Core Insights - Inter&Co Inc. reported strong financial results for Q2 2025, highlighting a focused strategy on profitability, sustained growth, and innovation [3][6] - The company achieved a net income of US$57.8 million (R$315 million), representing a 53% year-over-year increase, with a return on equity (ROE) of 14% [6] Financial Performance - Total credit portfolio grew by 22% year-over-year, significantly outpacing the Brazilian market [6] - Gross loan portfolio expanded by 8% in the quarter, reaching US$7.3 billion (R$40.2 billion) [6] - Non-performing loans (NPLs) over 90 days remained stable at 4.6%, showing a 0.5 percentage point improvement compared to the previous year [6] - Efficiency ratio improved to 47.1%, up by 1.1 percentage points from Q1 2025 [6] Client Growth and Engagement - Total clients reached 39.3 million by the end of the quarter, with 1.1 million new active clients added [6] - Inter&Co surpassed the 40 million client milestone in August 2025 [6] - The launch of 'My Credit Journey' aims to deepen credit penetration and improve client relationships [3][6] Brand Recognition - Inter&Co was recognized as the seventh most powerful brand in Brazil and the number one banking brand among Gen Zs [3]