WallStSmart

Inter & Co. Inc. Class A Common Shares (INTR)vsPNC Financial Services Group Inc (PNC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PNC Financial Services Group Inc generates 273% more annual revenue ($22.32B vs $5.98B). PNC leads profitability with a 31.1% profit margin vs 21.9%. PNC trades at a lower P/E of 12.4x. PNC earns a higher WallStSmart Score of 73/100 (B).

INTR

Strong Buy

73

out of 100

Grade: B

Growth: 9.3Profit: 7.0Value: 8.3Quality: 4.3
Piotroski: 1/9

PNC

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 10.0Quality: 5.0
Piotroski: 5/9Altman Z: 0.15
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

INTRUndervalued (+65.7%)

Margin of Safety

+65.7%

Fair Value

$26.21

Current Price

$8.54

$17.67 discount

UndervaluedFair: $26.21Overvalued
PNCUndervalued (+73.5%)

Margin of Safety

+73.5%

Fair Value

$776.41

Current Price

$205.95

$570.46 discount

UndervaluedFair: $776.41Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

INTR6 strengths · Avg: 8.2/10
Profit MarginProfitability
21.9%9/10

Keeps 22 of every $100 in revenue as profit

P/E RatioValuation
15.1x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

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

PNC6 strengths · Avg: 9.2/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.1%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
39.3%10/10

Strong operational efficiency at 39.3%

Market CapQuality
$83.43B9/10

Large-cap with strong market position

P/E RatioValuation
12.4x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
29.1%8/10

Earnings expanding 29.1% YoY

Areas to Watch

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

Weak financial health signals

PNC2 concerns · Avg: 3.0/10
PEG RatioValuation
2.174/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.152/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : INTR

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

Bull Case : PNC

The strongest argument for PNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.1% and operating margin at 39.3%.

Bear Case : INTR

The primary concerns for INTR are Piotroski F-Score.

Bear Case : PNC

The primary concerns for PNC are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

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

INTR carries more volatility with a beta of 1.20 — expect wider price swings.

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

PNC generates stronger free cash flow (2.3B), 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. PNC offers better value entry with a 73.5% margin of safety. 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 institution in Brazil, specializing in retail banking, investment management, and comprehensive wealth management services. The company is recognized for its commitment to financial inclusion and leveraging advanced technology to enhance customer experience, which significantly boosts access to banking services across diverse demographics. With a strategic focus on digital transformation, Inter & Co. is well-positioned to capitalize on the growth opportunities within Brazil’s evolving financial sector, making it a compelling investment prospect for both retail and institutional investors in emerging markets.

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PNC Financial Services Group Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

PNC Financial Services Group, Inc. (stylized as PNC) is a bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 21 states and the District of Columbia with 2,296 branches and 9,051 ATMs. The company also provides financial services such as asset management, wealth management, estate planning, loan servicing, and information processing.

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