Inter & Co, Inc. (INTR) Fair Value 2026

INTR · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.5 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (17/100)

Quick Summary — As of 2026-08-27, Inter & Co, Inc. (INTR) trades at $5.38, versus a $6.00 median fair value across its 5 active models — 11.6% above the current price. QOC: 7.5/10. Value Trap Risk: 17/100 (SAFE). 5/13 models active.

Key Facts

Ticker
INTR
Price
$5.38
Quality Score
7.5/10
Value Trap Risk
17/100
Models Active
5/13
Last Updated
Strength: CUCE Ensemble suggests +1.1% upside with 4% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is Inter & Co, Inc. (INTR) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Inter & Co, Inc. (INTR) appears undervalued as of : the median of 5 independent fair value estimates is $6.00, 11.6% above the current price of $5.38. Estimates range from $1.04 to $15.01. INTR scores 7.5/10 on fundamental quality and 17/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. INTR’s +11.6% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Inter & Co, Inc. Stock in 2026? →

What Fair Value Does Each Model Give INTR?

5 Intrinsic Value Models vs. Current Price ($5.38)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $5.44 +1.1%
Intrinsic · Medium Conviction
 $1.04 -80.7%
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What Is INTR's Fair Value Range?

Spread across 5 independent models · $1.04 to $15.01

CirclFi's 5 active models place Inter & Co, Inc. (INTR) between $1.04 and $15.01 per share, a spread of 233% of the median. The median of that range — $6.00 — is the fair value CirclFi publishes for INTR, against a current price of $5.38.

Low · Markov DDMHigh · Regime Cross
$1.04median $6.00$15.01
Where the range comes from
Most bearish modelMarkov DDM$1.04
Most bullish modelRegime Cross-Sectional$15.01
Model agreement3 bullish · 1 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for INTR. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on INTR, not a CirclFi price target. How each model works →

What Is Inter & Co, Inc. (INTR) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Inter & Co, Inc.'s intrinsic value is estimated at $6.00, suggesting a +11.6% median upside from the current price of $5.38. While 3 models see room for appreciation, model agreement is not unanimous as 1 model flags potential overvaluation. Model dispersion is worth noting: Regime Cross targets $15.01 (+179.0%), versus Markov DDM at $1.04 (-80.7%). This +259.7% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About INTR?

5 of 13 models are currently active for INTR. Of these, 4 models suggest upside while 1 model suggests overvaluation. Taken together, their median fair value for INTR is $6.00 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does INTR Rank in Banks - Regional?

Among 349 Banks - Regional stocks, INTR ranks #258 by Quality of Company score. CirclFi's QOC score of 7.5/10 evaluates 32 fundamental signals. A score of 7.5 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

As a lending environment, Inter & Co, Inc. operates in a sector where CET1 capital ratio is a critical driver of valuation. Investors evaluating INTR should weigh these sector-specific dynamics alongside our model-derived fair values.

Is INTR a Value Trap?

CirclFi's Value Trap algorithm assigns INTR a score of 17/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Inter & Co, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Inter & Co, Inc.'s fundamental quality profile registers 7.5/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +259.7% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every INTR valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across INTR's 5 active models, average confidence is 28%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Inter & Co, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

CBNAChain Bridge Bancorp, Inc.QOC 7.5HAPNHappen, Inc.QOC 7.5FHNFirst Horizon CorporationQOC 7.5FNLCThe First Bancorp, Inc.QOC 7.5WASHWashington Trust Bancorp, Inc.QOC 7.5MBINMerchants BancorpQOC 7.5CPKFChesapeake Financial Shares, Inc.QOC 4.7HWBKHawthorn Bancshares, Inc.QOC 8.4TRMKTrustmark CorporationQOC 8.0ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: CBNA · HAPN · FHN · FNLC · WASH · MBIN · CPKF · HWBK · TRMK · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to INTR?

5 companies across all industries closest to INTR’s Quality of Company score of 7.5/10.

DLNGDynagas LNG Partners LPQOC 7.5EIGEmployers Holdings, Inc.QOC 7.5LOANManhattan Bridge Capital, Inc.QOC 7.5CONConcentra Group Holdings Parent, Inc.QOC 7.5NVDANVIDIA CorporationQOC 10.0

Read investment analysis: DLNG · EIG · LOAN · CON · NVDA

Where Does INTR Sit in CirclFi's Banks - Regional Rankings?

INTR is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Inter & Co, Inc.’s Valuation?

What is Inter & Co, Inc.'s intrinsic value in 2026?

CirclFi puts Inter & Co, Inc. (INTR)'s intrinsic value at $6.00 — the median of 5 independent model estimates as of 2026-08-27, ranging from $1.04 to $15.01. The Quality of Company score is 7.5/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is INTR overvalued or undervalued right now?

At $5.38, 4 of 5 active models suggest INTR may be undervalued, while 1 indicate potential overvaluation. The median of all 5 fair value estimates is $6.00, 11.6% above the current price of $5.38 — a consensus view that INTR is undervalued. The assessment depends on which methodology best fits Inter & Co, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 7.5 mean for INTR?

Inter & Co, Inc.'s QOC of 7.5/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on INTR?

CirclFi analyzes INTR with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on INTR?

Of the 5 models currently active on INTR, Regime Cross-Sectional is the most bullish at $15.01 per share, and Markov DDM is the most bearish at $1.04. CirclFi's published fair value for INTR is the median of that range, $6.00, not either extreme. The gap between the two ends equals 233% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is INTR a value trap in 2026?

Inter & Co, Inc.'s Value Trap score is 17/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Inter & Co, Inc. (INTR) has a median fair value of $6.00 — 11.6% above the current price of $5.38 — as of 2026-08-27.” Source: circlfi.com/stock/INTR/ · Methodology
Primary sources for this INTR valuation
  • Financial statements: Inter & Co, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001864163) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for INTR as of ; valuations recomputed .

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