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InterINTR +0.37%65 Debt-to-Equity is 1.63 as of Jun. 2026, which is 73% above its 10-year median of 0.94. 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. Among 1,413 Banks companies, Inter ranks worse than 80.47% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Inter's Debt-to-Equity or its related term are showing as below:
INTR'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.94 Max: 1.63
Current: 1.63
During the past 11 years, the highest Debt-to-Equity Ratio of Inter was 1.63. The lowest was 0.01. And the median was 0.94.
INTR's Debt-to-Equity is ranked worse than 80.47% of 1413
companies
in the Banks industry
Industry Median: 0.58
vs INTR: 1.63
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Inter Debt-to-Equity Related Terms
Inter Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Inter's Debt-to-Equity 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.
INTR vs BANR, MBIN, EFSC: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Inter's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Inter's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Inter's Debt-to-Equity falls into.
* 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 (INTR) has a Debt-to-Equity of 1.63 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Inter and its competitors. This is 73% above median its historical median of 0.94. Over the past decade, Inter's Debt-to-Equity has ranged from 0.01 to 1.63. According to the industry distribution chart, Inter ranks #1137 out of 1413 companies in the Banks industry, placing it in the top 80.5%.
Is Inter's Debt-to-Equity too high?
Inter's current Debt-to-Equity of 1.63 is 73% above median its 10-year median of 0.94. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 1.63. The Banks industry median Debt-to-Equity is 0.58. Inter's value of 1.63 is 181% above this industry median. Based on the distribution chart, Inter ranks #1137 out of 1413 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Debt-to-Equity compare to BANR and MBIN?
According to the Banks industry distribution chart, Inter ranks #1137 out of 1413 companies for Debt-to-Equity. This places Inter in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Inter's value of 1.63 is 181% above this benchmark. Historically, Inter's own Debt-to-Equity has ranged from 0.01 to 1.63 over the past decade. While the company's 10-year median is 0.94 vs. the industry median of 0.58, Inter has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,413 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Inter's current Debt-to-Equity of 1.63 is 181% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Inter and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Inter's current Debt-to-Equity is 1.63, which is 73% above median its own 10-year median of 0.94. 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 Debt-to-Equity is 1.63, which is 73% above median its 10-year median of 0.94 and 181% above the Banks industry median of 0.58. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Inter (INTR), the current Debt-to-Equity is 1.63 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:
Debt-to-Equity: 1.63 (73% above median its 10-year median of 0.94)
GF Value™: $10.23 vs. price of $5.41 (47.1% below fair value)
Industry Position: 181% above the Banks median (#1137 of 1413)
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 & 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
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Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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