Inter & Co. Inc. Class A Common Shares (INTR)vsU.S. Bancorp (USB)
INTR
Inter & Co. Inc. Class A Common Shares
$6.06
-1.30%
FINANCIAL SERVICES · Cap: $2.86B
USB
U.S. Bancorp
$54.49
+1.29%
FINANCIAL SERVICES · Cap: $81.87B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 345% more annual revenue ($26.65B vs $5.98B). USB leads profitability with a 29.3% profit margin vs 21.9%. INTR trades at a lower P/E of 10.8x. INTR earns a higher WallStSmart Score of 73/100 (B).
INTR
Strong Buy73
out of 100
Grade: B
USB
Strong Buy71
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 22 of every $100 in revenue as profit
Strong operational efficiency at 28.1%
Revenue surging 26.4% year-over-year
Earnings expanding 35.5% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
4.6% revenue growth
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 21.9% and operating margin at 28.1%. Revenue growth of 26.4% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : INTR
The primary concerns for INTR are Piotroski F-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
INTR profiles as a growth stock while USB is a value 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.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
INTR scores higher overall (73/100 vs 71/100), backed by strong 21.9% margins and 26.4% 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 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.
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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