WallStSmart

Inter & Co. Inc. Class A Common Shares (INTR)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 67036% more annual revenue ($4.02T vs $5.98B). MFG leads profitability with a 26.1% profit margin vs 21.9%. INTR trades at a lower P/E of 10.8x. MFG earns a higher WallStSmart Score of 74/100 (B).

INTR

Strong Buy

73

out of 100

Grade: B

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

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 7.0Quality: 5.0

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

MFG6 strengths · Avg: 8.7/10
Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Market CapQuality
$105.95B9/10

Large-cap with strong market position

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.968/10

Growing faster than its price suggests

P/E RatioValuation
16.1x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

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

MFG0 concerns · Avg: 0/10

No major concerns identified

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 : MFG

The strongest argument for MFG centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.96 suggests the stock is reasonably priced for its growth.

Bear Case : INTR

The primary concerns for INTR are Piotroski F-Score.

Bear Case : MFG

No major red flags identified for MFG, but monitor valuation.

Key Dynamics to Monitor

INTR profiles as a growth stock while MFG 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.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MFG scores higher overall (74/100 vs 73/100), backed by strong 26.1% margins. 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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Mizuho Financial Group Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.

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