Inter (INTR) E10: $0.21 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
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.
Reviewed by: Charlie Tian Charlie Tian
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 E10?

Inter INTR +0.37% 65 E10 is $0.21 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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Inter's adjusted earnings per share data for the three months ended in Jun. 2026 was $0.183. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.21 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 E10 growth rate using E10 data.

As of today (2026-08-31), Inter's current stock price is $5.405. Inter's E10 for the quarter that ended in Jun. 2026 was $0.21. Inter's Shiller PE Ratio of today is 25.74.

During the past 11 years, the highest Shiller PE Ratio of Inter was 27.71. The lowest was 24.71. And the median was 25.67.


Inter  (NAS:INTR) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Inter's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=5.405/0.21
=25.74

* 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 Shiller P/E Ratio of Inter was 27.71. The lowest was 24.71. And the median was 25.67.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Inter E10 Related Terms


Inter E10 Historical Data

* Premium members only.

The historical data trend for Inter's E10 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 E10 Chart

Inter Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
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
E10 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 0.21

INTR vs BANR, MBIN, EFSC: E10 Comparison

For the Banks - Regional subindustry, Inter's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Inter's Shiller PE Ratio falls into.


INTR
65GF Score
Inter & Co Inc INTR
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Inter E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.183/177.5443*177.5443
=0.183

Current CPI (Jun. 2026) = 177.5443.

Inter Quarterly Data

per share eps CPI Adj_EPS
201512 0.000 104.247 0.000
201612 0.000 110.802 0.000
201703 0.151 111.869 0.240
201706 0.002 112.115 0.003
201709 0.024 112.777 0.038
201712 0.034 114.068 0.053
201803 0.046 114.868 0.071
201806 0.004 117.038 0.006
201809 0.004 117.881 0.006
201812 -0.011 118.340 -0.017
201903 0.031 120.124 0.046
201906 0.007 120.977 0.010
201909 0.004 121.292 0.006
201912 0.003 123.436 0.004
202003 -0.003 124.092 -0.004
202006 0.000 123.557 0.000
202009 -0.001 125.095 -0.001
202012 0.003 129.012 0.004
202103 0.003 131.660 0.004
202106 -0.016 133.871 -0.021
202109 0.016 137.913 0.021
202112 -0.003 141.992 -0.004
202203 -0.002 146.537 -0.002
202206 -0.008 149.784 -0.009
202209 -0.013 147.800 -0.016
202212 0.015 150.207 0.018
202303 0.006 153.352 0.007
202306 0.025 154.519 0.029
202309 0.047 155.464 0.054
202312 0.076 157.148 0.086
202403 0.086 159.372 0.096
202406 0.087 161.052 0.096
202409 0.098 162.342 0.107
202412 0.103 164.740 0.111
202503 0.112 168.102 0.118
202506 0.128 169.670 0.134
202509 0.140 170.739 0.146
202512 0.156 171.765 0.161
202603 0.169 175.066 0.171
202606 0.183 177.544 0.183

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $0.21 mean?
Inter (INTR) has a E10 of $0.21 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Inter and its competitors.
Is Inter's E10 too high?
Inter's current E10 is $0.21. 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 E10 compare to BANR and MBIN?
Inter's E10 of $0.21 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Inter and its competitors. Inter's current E10 is $0.21. 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 47.2% below its estimated fair value. The current E10 is $0.21. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Inter (INTR), the current E10 is $0.21 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 47.2% below its estimated GF Value™ of $10.23. GuruFocus considers Inter to be Significantly Undervalued.

Key valuation signals for INTR:

  • E10: $0.21
  • GF Value™: $10.23 vs. price of $5.41 (47.2% 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.41
Price
$10.23
GF Value