Inter & Co (INTR) Cash Flow: Operating & Free Cash Flow

Inter & Co (INTR) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Inter & Co generated BRL 7.73B of operating cash flow and spent BRL 570.06M on capital expenditures. That left free cash flow of BRL 7.16B, or 119.6% of revenue. It returned BRL 230.70M to shareholders through BRL 203.59M in dividends and BRL 27.11M in share buybacks.

Inter & Co Cash Flow Statement Analysis

Values in billions BRL

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities 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
Operating Activities
Net Income	1.29	0.97	0.35	-0.01	-0.06	0.03	0.08	0.07	0.05
Depreciation & Amortization	0.34	0.21	0.16	0.16	0.06	0.04	0.01	0.00	0.00
Deferred Income Tax	-0.08	0.23	0.09	-0.16	0.18	-0.04	0.00	0.01	0.00
Stock Based Compensation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Change in Working Capital	4.26	1.25	5.90	1.34	0.57	2.73	0.66	0.46	-0.10
Change in Accounts Receivable	0.00	-8.91	0.00	0.00	0.00	0.02	0.00	-0.33	-0.07
Change in Accounts Payable	0.52	0.21	0.18	0.00	0.15	0.00	0.00	0.00	0.00
Change in Other Working Capital	-0.04	9.93	-0.18	1.34	-0.04	2.71	0.66	0.79	-0.03
Other Operating Activities	-0.04	1.77	-0.18	0.78	-0.04	0.21	0.10	0.06	0.06
Net Cash from Operating Activities	7.73	-6.39	7.54	-3.21	0.09	2.98	0.86	0.60	0.02
Investing Activities
Capital Expenditures	-0.57	-0.08	-0.27	-0.03	-0.29	-0.15	-0.08	-0.03	0.00
Acquisitions	0.00	-0.08	-0.06	-0.55	-0.09	-0.02	0.00	0.00	0.00
Purchases of Investments	-10.06	-18.26	-20.06	-8.56	-28.70	-5.04	-1.00	-0.78	-0.11
Sales/Maturities of Investments	5.72	11.13	15.73	9.33	21.91	0.16	0.54	0.77	0.05
Other Investing Activities	-9.19	-0.43	-0.26	-0.25	-0.26	-0.13	-0.06	-0.02	0.00
Net Cash from Investing Activities	-4.90	-7.73	-4.67	-0.05	-7.18	-5.05	-0.54	-0.03	-0.07
Financing Activities
Debt Repayment	2.30	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Common Stock Issued	0.00	0.78	0.00	0.00	0.00	1.27	1.29	0.52	0.00
Common Stock Repurchased	-0.03	-0.02	-0.02	0.00	-0.03	-0.15	0.00	0.00	0.00
Dividends Paid	-0.20	-0.08	0.00	-0.08	0.00	-0.04	0.00	0.00	0.00
Other Financing Activities	-0.04	0.00	-0.02	-1.18	5.46	0.03	-0.04	-0.02	-0.01
Net Cash from Financing Activities	-0.27	10.83	-0.04	4.09	5.43	1.11	1.24	0.50	-0.01
Summary
Effect of Forex Changes on Cash	0.14	0.13	0.09	0.00	0.00	0.00	0.00	0.00	0.00
Net Change in Cash	2.56	-3.15	2.84	0.83	-1.65	-0.96	1.57	1.07	-0.06
Cash at Beginning of Period	1.11	4.26	1.33	0.50	2.15	3.11	1.55	0.47	0.53
Cash at End of Period	3.80	1.11	4.26	1.33	0.50	2.15	3.11	1.55	0.47
Free Cash Flow	7.16	-6.47	7.27	-3.23	-0.20	2.83	0.78	0.57	0.02
Supplemental Disclosures
Income Taxes Paid	0.51	0.44	0.26	0.14	0.05	-	-	-	-

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 Cash Flow

What is Inter & Co's free cash flow?

Inter & Co generated free cash flow of BRL 7.16B in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of BRL 7.73B minus BRL 570.06M of capital expenditures. Free cash flow equaled 119.6% of revenue.

How much does Inter & Co spend on capital expenditures?

Inter & Co spent BRL 570.06M on capital expenditures in fiscal 2025, compared with BRL 81.97M a year earlier. That equals 7.4% of operating cash flow.

Does Inter & Co pay dividends or buy back shares?

Yes. In fiscal 2025 Inter & Co returned BRL 203.59M in dividends and BRL 27.11M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition