Inter & Co. Inc. Class A Common Shares (INTR)vsU.S. Bancorp (USB)
INTR
Inter & Co. Inc. Class A Common Shares
$5.49
-0.36%
FINANCIAL SERVICES · Cap: $2.33B
USB
U.S. Bancorp
$61.96
-0.37%
FINANCIAL SERVICES · Cap: $94.88B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 322% more annual revenue ($26.65B vs $6.32B). USB leads profitability with a 29.3% 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+
USB
Strong Buy69
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
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 1.3B in free cash flow
Areas to Watch
Elevated debt levels
Expensive relative to growth rate
4.6% revenue growth
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 : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : INTR
The primary concerns for INTR are Debt/Equity. Debt-to-equity of 3.10 is elevated, increasing financial risk.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
INTR profiles as a growth stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.00 — expect wider price swings.
INTR is growing revenue faster at 25.3% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
INTR scores higher overall (77/100 vs 69/100), 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 →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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