InterBSP:INBR32 73 FCF Margin % is 53.22% as of Mar. 2026, which is 44% below its 10-year median of 94.58. GuruFocus rates BSP:INBR32 with a GF Score™ of 73/100 and a GF Value™ of R$50.64 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,506 Banks companies, Inter ranks better than 82.34% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Inter's Free Cash Flow for the
three
months ended in Mar. 2026 was R$1,299 Mil. Inter's Revenue for the
three
months ended in Mar. 2026 was R$2,441 Mil. Therefore, Inter's FCF Margin % for the quarter that ended in Mar. 2026 was 53.22%.
The historical rank and industry rank for Inter's FCF Margin % or its related term are showing as below:
BSP:INBR32'
s FCF Margin % Range Over the Past 10 Years
Min: -8.84 Med: 94.58 Max: 252.33
Current: 80.67
During the past 11 years, the highest FCF Margin % of Inter was 252.33%. The lowest was -8.84%. And the median was 94.58%.
BSP:INBR32's FCF Margin % is ranked better than 82.34% of 1506
companies
in the Banks industry
Industry Median: 26.355
vs BSP:INBR32: 80.67
Inter FCF Margin % Related Terms
Inter FCF Margin % Historical Data
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The historical data trend for Inter's FCF Margin % 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.
BSP:INBR32 vs EFSC, HAPN, BLX: FCF Margin % Comparison
For the Banks - Regional subindustry, Inter's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Inter's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Inter's FCF Margin % 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 (BSP:INBR32) has a FCF Margin % of 53.22% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Inter and its competitors. This is 44% below median its historical median of 94.58. According to the industry distribution chart, Inter ranks #266 out of 1506 companies in the Banks industry, placing it in the top 17.7%.
Is Inter's FCF Margin % too high?
Inter's current FCF Margin % of 53.22% is 44% below median its 10-year median of 94.58. The Banks industry median FCF Margin % is 26.36. Inter's value of 53.22% is 101.9% above this industry median. Based on the distribution chart, Inter ranks #266 out of 1506 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Inter has a GF Score™ of 73/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Inter's FCF Margin % compare to EFSC and HAPN?
According to the Banks industry distribution chart, Inter ranks #266 out of 1506 companies for FCF Margin %. This places Inter in the top 18% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.36. Inter's value of 53.22% is 101.9% above this benchmark. While the company's 10-year median is 94.58 vs. the industry median of 26.36, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.36, based on 1,506 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Inter's current FCF Margin % of 53.22% is 101.9% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Inter and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Inter's current FCF Margin % is 53.22%, which is 44% below median its own 10-year median of 94.58. 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 (BSP:INBR32) is currently considered Significantly Undervalued. The stock's GF Value™ is R$50.64, compared to a current price of R$28.50 — trading 43.7% below its estimated fair value. The current FCF Margin % is 53.22%, which is 44% below median its 10-year median of 94.58 and 101.9% above the Banks industry median of 26.36. Inter's overall GF Score™ is 73/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Inter (BSP:INBR32), the current FCF Margin % is 53.22% as of Mar. 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 (BSP:INBR32) Overvalued in 2026?
Based on GuruFocus' analysis, Inter stock appears to be undervalued.
The current stock price of R$28.50 is trading 43.7% below its estimated GF Value™ of R$50.64.
GuruFocus considers Inter to be Significantly Undervalued.
Key valuation signals for BSP:INBR32:
FCF Margin %: 53.22% (44% below median its 10-year median of 94.58)
GF Value™: R$50.64 vs. price of R$28.50 (43.7% below fair value)
Industry Position: 101.9% above the Banks median (#266 of 1506)
No single metric tells the full story. See the BSP:INBR32 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.
73GF Score
Get the complete analysis for BSP:INBR32
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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