Inter & Co. Inc. Class A Common Shares (INTR)vsPNC Financial Services Group Inc (PNC)
INTR
Inter & Co. Inc. Class A Common Shares
$5.49
-0.36%
FINANCIAL SERVICES · Cap: $2.33B
PNC
PNC Financial Services Group Inc
$251.62
-0.85%
FINANCIAL SERVICES · Cap: $98.38B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 265% more annual revenue ($23.04B vs $6.32B). PNC leads profitability with a 31.3% profit margin vs 22.5%. INTR trades at a lower P/E of 8.5x. INTR earns a higher WallStSmart Score of 77/100 (B+).
INTR
Strong Buy77
out of 100
Grade: B+
PNC
Strong Buy72
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 29.9%
Revenue surging 25.3% year-over-year
Earnings expanding 36.9% YoY
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 36.7%
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 1.9B in free cash flow
Areas to Watch
Elevated debt levels
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
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 22.5% and operating margin at 29.9%. Revenue growth of 25.3% demonstrates continued momentum.
Bull Case : PNC
The strongest argument for PNC centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 31.3% and operating margin at 36.7%. Revenue growth of 13.8% demonstrates continued momentum.
Bear Case : INTR
The primary concerns for INTR are Debt/Equity. Debt-to-equity of 3.10 is elevated, increasing financial risk.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, 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 0.92 — expect wider price swings.
INTR is growing revenue faster at 25.3% — sustainability is the question.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Bottom Line
INTR scores higher overall (77/100 vs 72/100), backed by strong 22.5% margins and 25.3% 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 services firm in Brazil, recognized for its innovative approach to retail and investment banking as well as wealth management. The company focuses on financial inclusion by leveraging advanced technology to enhance customer experiences and expand access to banking services for underserved populations. With its commitment to digital transformation and a strategic emphasis on operational efficiency, Inter & Co. is poised to seize growth opportunities within Brazil's dynamic financial landscape, making it an attractive prospect for institutional investors aiming for exposure in emerging markets.
Visit Website →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.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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