Inter & Co (INTR) Balance Sheet: Assets & Liabilities

Inter & Co (INTR) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), Inter & Co reported total assets of BRL 98.56B and total liabilities of BRL 88.17B. Shareholders' equity was BRL 10.16B, up 14.3% from BRL 8.90B a year earlier. Total debt stood at BRL 29.63B against BRL 11.00B in cash and short-term investments, a net debt position of BRL 18.63B. That puts debt-to-equity at 2.92, compared with 1.32 a year earlier.

Inter & Co Balance Sheet Analysis

Values in billions BRL

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for Inter & Co, Inc. (INTR) - Annual data in billions BRL
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Current Assets
Cash and Cash Equivalents	11.00	6.84	1.17	1.33	0.50	4.39	3.76	1.79	0.56
Short-Term Investments	0.00	4.60	14.23	9.70	11.14	5.29	0.43	0.00	0.31
Cash & Short-Term Investments	11.00	27.76	20.51	15.55	16.05	9.68	4.19	1.79	0.88
Accounts Receivable	0.00	0.21	0.23	0.47	0.14	2.00	0.77	0.36	0.10
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.00	0.53	0.38	0.35	0.22	0.08	0.03	0.02	0.03
Total Current Assets	11.00	29.48	21.73	16.36	16.62	11.77	4.99	2.17	1.01
Non-Current Assets
Property, Plant & Equipment (Net)	0.38	0.37	0.17	0.19	0.16	0.03	0.02	0.01	0.01
Long-Term Investments	80.49	0.01	0.08	26.32	0.08	7.28	4.26	3.31	2.52
Goodwill	0.79	0.80	0.64	0.63	0.09	0.04	0.00	0.00	0.00
Intangible Assets	1.24	1.04	0.71	0.61	0.34	0.19	0.08	0.03	0.00
Other Non-Current Assets	2.88	0.67	3.81	1.26	0.97	0.34	0.60	0.09	0.01
Total Non-Current Assets	87.56	46.98	38.62	29.98	20.01	8.03	5.03	3.47	2.57
Total Assets	98.56	76.43	60.35	46.34	36.63	19.80	10.02	5.64	3.58
Current Liabilities
Accounts Payable	0.00	9.23	7.18	5.48	4.13	0.00	0.00	0.00	0.06
Short-Term Debt	20.15	1.73	1.02	1.90	0.97	0.10	0.17	0.00	0.00
Other Current Liabilities	0.00	42.59	33.62	24.00	18.50	14.02	5.62	2.65	1.55
Total Current Liabilities	20.15	54.12	42.18	31.55	23.68	14.15	5.80	2.67	1.61
Non-Current Liabilities
Long-Term Debt	9.48	10.02	8.20	6.39	3.60	1.76	1.76	0.60	0.62
Deferred Tax Liabilities	0.04	0.03	0.03	0.03	0.09	0.00	0.00	0.00	0.00
Other Non-Current Liabilities	58.50	3.03	2.18	1.24	0.63	0.50	0.25	1.43	0.96
Total Non-Current Liabilities	68.02	13.26	10.58	7.70	4.50	2.30	2.02	2.03	1.58
Total Liabilities	88.17	67.36	52.76	39.25	28.18	16.45	7.82	4.69	3.19
Stockholders' Equity
Common Stock	0.00	0.00	0.00	0.00	0.00	3.22	2.07	0.85	0.31
Retained Earnings	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accumulated Other Comprehensive Income	10.16	8.90	7.47	6.99	2.66	0.20	-1.94	-0.75	-0.24
Treasury Stock	-	-	-	-	0.04	-	-	-	-
Additional Paid-in Capital	0.00	0.00	0.00	0.00	0.00	-0.12	2.07	0.85	0.31
Minority Interest	0.22	0.18	0.12	0.10	5.79	0.05	0.00	0.00	0.00
Shares Outstanding	0.44	0.44	0.40	0.40	2.58	-	-	-	-
Total Stockholders' Equity	10.16	8.90	7.60	7.09	8.45	3.30	2.20	0.95	0.38
Total Liabilities & Equity	98.56	76.43	60.35	46.34	36.63	19.80	10.02	5.64	3.58

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Inter & Co Balance Sheet

How much debt does Inter & Co have?

Inter & Co had total debt of BRL 29.63B as of Dec 31, 2025, against BRL 11.00B in cash and short-term investments. Its debt-to-equity ratio was 2.92. Total debt was BRL 11.75B a year earlier.

What are Inter & Co's total assets?

Inter & Co reported total assets of BRL 98.56B as of Dec 31, 2025, up 29.0% from BRL 76.43B a year earlier. Total liabilities were BRL 88.17B.

What is Inter & Co's shareholders' equity?

Inter & Co's shareholders' equity was BRL 10.16B as of Dec 31, 2025, or about BRL 23.03 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition