Inter&Co Expands Client Base While Achieving Record Growth
Inter&Co's Growth Journey
Inter&Co Inc., a leading financial super app, proudly serves 40 million clients with an impressive financial report for the second quarter of 2025. As reported, Inter&Co achieved remarkable milestones that underscore its significant growth trajectory and innovative approach to financial services.
Highlights from 2Q25
Client Expansion
At the end of the quarter, Inter&Co had reached 39.3 million clients, illustrating a growth of over 1.1 million active clients within this period. In August, the company celebrated surpassing the 40 million client milestone, a mark that reflects its expanding influence in the financial sector.
Financial Highlights
The Gross Loan Portfolio saw a robust expansion, increasing by 8% to reach US$7.3 billion (approximately R$40.2 billion). This represents an impressive 22% growth year-over-year, significantly outpacing the broader Brazilian market. Notably, the non-performing loans (NPLs) over 90 days remained steady at 4.6%, marking a notable improvement of 0.5 percentage points compared to the prior year.
Net Income Growth
Net income surged to US$57.8 million (R$315 million), reflecting a remarkable 53% increase year-over-year. This growth is accompanied by a healthy return on equity (ROE) of 13.9%, solidifying the company's strong financial foundation.
Leadership Insights
João Vitor Menin, the Global CEO of Inter&Co, emphasized the strategies driving this success. He stated, "Our focused strategy on profitability, sustained growth, and innovation allows us to build a comprehensive ecosystem tailored for our clients, helping us strengthen both our brand and our relationships with customers."
Recognition and Awards
Menin also highlighted the recognition of Inter&Co as Brazil's seventh most powerful brand, particularly resonating among Gen Z consumers. This acknowledgment underlines the effectiveness of the 'Inter by Design' philosophy, aimed at delivering solutions that meet client needs.
Performance in Credit Expansion
Alexandre Riccio, the CEO of Inter&Co in Brazil, discussed the company’s dynamic approach to credit expansion. The credit portfolio showcases a year-over-year growth of 22%, significantly faster than market averages. Key drivers, such as Private Payroll Loans and mortgages, continue to promote client-centric financial solutions, reflecting the scalability of their innovative approach.
Enhancing Customer Financial Journeys
With the launch of the ‘My Credit Journey’ initiative, Inter&Co aims to deepen its credit penetration among clients. Riccio reiterated the company's commitment to guiding clients toward improving their credit scores while fostering sustainable financial relationships and reducing credit risk.
Focus on Future Growth
Riccio concluded by reaffirming the team’s dedication to delivering steady, resilient growth through innovative solutions and increased efficiency. The quarter's results underscore their commitment to achieving significant value for customers.
*Note: The financial figures are represented in BRL, converted to USD based on exchange rates from early August 2025.
Conference Call Announcement
Inter&Co will discuss its financial results further during a conference on August 6, 2025, at 10:30 a.m. ET. Stakeholders can access the webcast details on the company's Investor Relations website.
About Inter&Co
Inter&Co, also referred to as INTR, is the pioneer in financial super apps, providing a range of services across the Americas, including digital accounts, investments, and credit products. The company is progressively expanding its footprint in the U.S., showcasing its dedication to innovation. For detailed exploration of their offerings, visit their official website.
Investor Relations Information
For inquiries, reach Rafaela de Oliveira Vitória at ir@inter.co.
Media Relations Information
Contact Kaio Philipe at Kaio.Philipe@inter.co for media-related inquiries.
Frequently Asked Questions
What recent milestone did Inter&Co achieve?
Inter&Co has surpassed 40 million clients, marking significant growth.
How much did Inter&Co's net income increase by in 2Q25?
Net income rose by 53% year-over-year, reaching US$57.8 million.
What is the company's strategy for customer growth?
Inter&Co focuses on profitability, growth, and innovation to expand its service offerings.
How does Inter&Co rank in terms of brand power?
Inter&Co is recognized as the seventh most powerful brand in Brazil.
What are the key products driving credit expansion?
Products such as Private Payroll Loans and mortgages significantly contribute to credit growth.
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