WallStSmart

Inter & Co. Inc. Class A Common Shares (INTR)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 2800% more annual revenue ($173.56B vs $5.98B). JPM leads profitability with a 33.9% profit margin vs 21.9%. INTR trades at a lower P/E of 10.8x. JPM earns a higher WallStSmart Score of 73/100 (B).

INTR

Strong Buy

73

out of 100

Grade: B

Growth: 9.3Profit: 7.0Value: 6.7Quality: 4.3
Piotroski: 1/9

JPM

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 8.0Value: 5.7Quality: 5.5
Piotroski: 4/9Altman Z: 0.55

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

INTR6 strengths · Avg: 8.8/10
P/E RatioValuation
10.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
21.9%9/10

Keeps 22 of every $100 in revenue as profit

Operating MarginProfitability
28.1%8/10

Strong operational efficiency at 28.1%

Revenue GrowthGrowth
26.4%8/10

Revenue surging 26.4% year-over-year

EPS GrowthGrowth
35.5%8/10

Earnings expanding 35.5% YoY

JPM5 strengths · Avg: 9.2/10
Market CapQuality
$807.58B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.9%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
43.7%10/10

Strong operational efficiency at 43.7%

P/E RatioValuation
14.4x8/10

Attractively priced relative to earnings

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Areas to Watch

INTR1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

JPM4 concerns · Avg: 2.8/10
PEG RatioValuation
1.604/10

Expensive relative to growth rate

Debt/EquityHealth
1.383/10

Elevated debt levels

Free Cash FlowQuality
$-211.76B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : INTR

The strongest argument for INTR centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 21.9% and operating margin at 28.1%. Revenue growth of 26.4% demonstrates continued momentum.

Bull Case : JPM

The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 43.7%. Revenue growth of 12.7% demonstrates continued momentum.

Bear Case : INTR

The primary concerns for INTR are Piotroski F-Score.

Bear Case : JPM

The primary concerns for JPM are PEG Ratio, Debt/Equity, Free Cash Flow.

Key Dynamics to Monitor

INTR profiles as a growth stock while JPM is a mature play — different risk/reward profiles.

INTR carries more volatility with a beta of 1.03 — expect wider price swings.

INTR is growing revenue faster at 26.4% — sustainability is the question.

INTR generates stronger free cash flow (314M), providing more financial flexibility.

Bottom Line

INTR scores higher overall (73/100 vs 73/100), backed by strong 21.9% margins and 26.4% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Inter & Co. Inc. Class A Common Shares

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Inter & Co. Inc. (ticker: INTR) is a leading financial institution in Brazil renowned for its innovative approach to retail banking, investment management, and wealth management services. The company prioritizes financial inclusion, utilizing cutting-edge technology to improve customer experiences and broaden access to banking across various demographics. With a strong emphasis on digital transformation, Inter & Co. is strategically positioned to seize growth opportunities within Brazil's dynamic financial landscape, making it an attractive investment for institutional investors seeking exposure to emerging markets.

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JPMorgan Chase & Co

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.

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