Inter & Co. Inc. Class A Common Shares (INTR)vsLloyds Banking Group PLC ADR (LYG)
INTR
Inter & Co. Inc. Class A Common Shares
$5.19
-0.57%
FINANCIAL SERVICES · Cap: $2.29B
LYG
Lloyds Banking Group PLC ADR
$6.21
+0.16%
FINANCIAL SERVICES · Cap: $90.28B
Smart Verdict
WallStSmart Research — data-driven comparison
Lloyds Banking Group PLC ADR generates 196% more annual revenue ($19.69B vs $6.66B). LYG leads profitability with a 26.4% profit margin vs 22.9%. INTR trades at a lower P/E of 7.9x. INTR earns a higher WallStSmart Score of 75/100 (B+).
INTR
Strong Buy75
out of 100
Grade: B+
LYG
Strong Buy70
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 23 of every $100 in revenue as profit
Strong operational efficiency at 29.7%
Revenue surging 23.8% year-over-year
Earnings expanding 32.4% YoY
Reasonable price relative to book value
Strong operational efficiency at 45.0%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : INTR
The strongest argument for INTR centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 22.9% and operating margin at 29.7%. Revenue growth of 23.8% demonstrates continued momentum.
Bull Case : LYG
The strongest argument for LYG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.4% and operating margin at 45.0%. Revenue growth of 12.3% demonstrates continued momentum.
Bear Case : INTR
The primary concerns for INTR are Free Cash Flow.
Bear Case : LYG
The primary concerns for LYG are Debt/Equity. Debt-to-equity of 2.18 is elevated, increasing financial risk.
Key Dynamics to Monitor
INTR profiles as a growth stock while LYG is a mature play — different risk/reward profiles.
INTR carries more volatility with a beta of 0.96 — expect wider price swings.
INTR is growing revenue faster at 23.8% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
INTR scores higher overall (75/100 vs 70/100), backed by strong 22.9% margins and 23.8% 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 prominent financial services firm in Brazil, distinguished by its innovative solutions in retail and investment banking, as well as wealth management. The company's mission centers around promoting financial inclusion, utilizing cutting-edge technology to improve customer experiences and extend banking access to underserved communities. With a strong focus on digital transformation and operational efficiency, Inter & Co. is well-positioned to capitalize on growth prospects in Brazil's evolving financial sector, rendering it an appealing investment for institutional investors seeking opportunities in emerging markets.
Visit Website →Lloyds Banking Group PLC ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Lloyds Banking Group plc, offers a range of banking and financial services in the UK and internationally. The company is headquartered in London, the United Kingdom.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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