Inter (INTR) Cyclically Adjusted Book per Share: $2.17 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

INTR Inter & Co Inc INTR
65 GF Score
Price $5.41
GF Value $10.23
Valuation Significantly Undervalued
! 1 Warning Sign
View Full Analysis

What is Inter Cyclically Adjusted Book per Share?

Inter INTR +0.37% 65 Cyclically Adjusted Book per Share is $2.17 as of Jun. 2026. GuruFocus rates INTR with a GF Score™ of 65/100 and a GF Value™ of $10.23 (Significantly Undervalued). The stock has 1 warning sign investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Inter's adjusted book value per share for the three months ended in Jun. 2026 was $4.652. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $2.17 for the trailing ten years ended in Jun. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2026-08-31), Inter's current stock price is $5.41. Inter's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was $2.17. Inter's Cyclically Adjusted PB Ratio of today is 2.49.

During the past 11 years, the highest Cyclically Adjusted PB Ratio of Inter was 2.68. The lowest was 2.39. And the median was 2.48.


Inter  (NAS:INTR) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Inter's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=5.41/2.17
=2.49

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 11 years, the highest Cyclically Adjusted PB Ratio of Inter was 2.68. The lowest was 2.39. And the median was 2.48.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Inter Cyclically Adjusted Book per Share Related Terms


Inter Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Inter's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Inter Cyclically Adjusted Book per Share Chart

Inter Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Inter Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 2.17

INTR vs BANR, MBIN, EFSC: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Inter's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Inter Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Inter's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Inter's Cyclically Adjusted PB Ratio falls into.


INTR
65GF Score
Inter & Co Inc INTR
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Inter Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Inter's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=4.652/177.5443*177.5443
=4.652

Current CPI (Jun. 2026) = 177.5443.

Inter Quarterly Data

Book Value per Share CPI Adj_Book
201512 0.614 104.247 1.046
201612 0.746 110.802 1.195
201703 0.000 111.869 0.000
201706 0.000 112.115 0.000
201709 0.000 112.777 0.000
201712 0.824 114.068 1.283
201803 0.098 114.868 0.151
201806 0.202 117.038 0.306
201809 0.186 117.881 0.280
201812 0.200 118.340 0.300
201903 0.202 120.124 0.299
201906 0.205 120.977 0.301
201909 0.250 121.292 0.366
201912 0.253 123.436 0.364
202003 0.208 124.092 0.298
202006 0.193 123.557 0.277
202009 0.271 125.095 0.385
202012 0.281 129.012 0.387
202103 0.250 131.660 0.337
202106 0.750 133.871 0.995
202109 0.706 137.913 0.909
202112 0.182 141.992 0.228
202203 0.658 146.537 0.797
202206 3.474 149.784 4.118
202209 3.349 147.800 4.023
202212 3.318 150.207 3.922
202303 3.359 153.352 3.889
202306 3.694 154.519 4.244
202309 3.659 155.464 4.179
202312 3.792 157.148 4.284
202403 3.839 159.372 4.277
202406 3.580 161.052 3.947
202409 3.582 162.342 3.917
202412 3.316 164.740 3.574
202503 3.517 168.102 3.715
202506 3.807 169.670 3.984
202509 4.100 170.739 4.263
202512 4.224 171.765 4.366
202603 4.417 175.066 4.480
202606 4.652 177.544 4.652

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $2.17 mean?
Inter (INTR) has a Cyclically Adjusted Book per Share of $2.17 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Inter and its competitors.
Is Inter's Cyclically Adjusted Book per Share too high?
Inter's current Cyclically Adjusted Book per Share is $2.17. Overall, Inter has a GF Score™ of 65/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Inter's Cyclically Adjusted Book per Share compare to BANR and MBIN?
Inter's Cyclically Adjusted Book per Share of $2.17 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Inter and its competitors. Inter's current Cyclically Adjusted Book per Share is $2.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Inter stock overvalued right now?
Based on GuruFocus' analysis, Inter (INTR) is currently considered Significantly Undervalued. The stock's GF Value™ is $10.23, compared to a current price of $5.41 — trading 47.1% below its estimated fair value. The current Cyclically Adjusted Book per Share is $2.17. Inter's overall GF Score™ is 65/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Inter (INTR), the current Cyclically Adjusted Book per Share is $2.17 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Inter (INTR) Overvalued in 2026?

Based on GuruFocus' analysis, Inter stock appears to be undervalued. The current stock price of $5.41 is trading 47.1% below its estimated GF Value™ of $10.23. GuruFocus considers Inter to be Significantly Undervalued.

Key valuation signals for INTR:

  • Cyclically Adjusted Book per Share: $2.17
  • GF Value™: $10.23 vs. price of $5.41 (47.1% below fair value)
  • GF Score™: 65/100 with 1 warning sign

No single metric tells the full story. See the INTR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Inter Business Description

Other Exchanges QN7:GermanyINBR32:Brazil
Address Avenida Barbacena, 1.219, 22nd Floor, Belo Horizonte, MG, BRA, 30 190-131
Inter & Co Inc operates as a digital bank. The company's segment includes Banking & Spending; Investments; Insurance Brokerage; and Inter Shop. It generates maximum revenue from the Banking & Spending segment which comprises a wide range of banking products and services, such as checking accounts, cards, deposits, loans and advances, and other services, which are available to the clients by means of Inters mobile application.
65GF Score

Get the complete analysis for INTR

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.41
Price
$10.23
GF Value