<p>Inter &amp; Company Incorporation Class A（INTR）召开了第三季度财报电话会议。请继续阅读会议的主要亮点。</p>
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<p>Inter &amp; Company Incorporation Class A 最近的财报电话会议描绘了强劲的增长和创纪录的成就，但也受到一些经济挑战的影响。公司报告了显著的客户增长、交易量增加和贷款组合扩展，尽管面临风险成本上升和由于高 Selic 利率等经济压力导致的手续费收入增长放缓等挑战。</p>
<h2>创纪录的客户增长</h2>
<p>Inter 迎来了 200 万新客户，创造了新纪录，超过了 2022 年设定的前高。这一增长凸显了公司吸引和留住大量客户的能力，促进了其市场影响力的扩大。</p>
<h2>强劲的交易量</h2>
<p>公司的活跃客户在平台上交易超过 4120 亿巴西雷亚尔，同比增长约 30%。这一令人印象深刻的增长突显了平台日益增长的受欢迎程度以及客户对 Inter 金融服务的信任。</p>
<h2>信用卡交易量增长</h2>
<p>Inter 的信用卡交易量达到新纪录，超过 150 亿巴西雷亚尔，同比增长 20%。这一增长表明其在信用卡市场的地位不断增强，消费者支出增加。</p>
<h2>贷款组合扩展</h2>
<p>贷款组合同比增长 30%，主要得益于私人工资贷款和房屋净值贷款，后者增长了 33%。这一扩展反映了 Inter 在多样化和增强其贷款产品方面的战略重点。</p>
<h2>资产质量改善</h2>
<p>公司的资产质量有所改善，90 天逾期指标改善了 10 个基点。这表明有效的风险管理和更健康的贷款组合。</p>
<h2>低融资成本</h2>
<p>Inter 保持了 68.2% 的 CDI 低融资成本，得益于交易存款的强劲增长。这一低成本基础为其在金融市场提供了竞争优势。</p>
<h2>创纪录的净收入和 ROE</h2>
<p>Inter 报告创纪录的净收入为 3.36 亿巴西雷亚尔，ROE 为 14.2%，展示了其财务实力和运营效率。</p>
<h2>风险成本上升</h2>
<p>风险成本上升至 5.35%，主要由于新私人工资贷款组合的前期准备金。这一增长反映了在不断增长的贷款组合中管理风险的挑战。</p>
<h2>手续费收入增长放缓</h2>
<p>公司经历了手续费收入增长的放缓，受到一些一次性事件的影响，例如一家合资公司的关闭和延期收费。这一放缓对维持收入增长构成挑战。</p>
<h2>经济逆风</h2>
<p>Inter 面临经济逆风，特别是高 Selic 利率，这影响了信用组合的风险暴露和增长动态。这些外部因素对维持增长势头构成挑战。</p>
<h2>前瞻性指导</h2>
<p>展望未来，Inter &amp; Co 提供了乐观的指导，得益于强劲的增长指标和战略举措。公司旨在在 2026 年前保持其增长势头，专注于创新、全球扩张和人才发展。凭借强大的客户基础和高净推荐值，Inter 在其七个业务领域中有良好的定位，以提升客户价值。</p>
<p>总之，Inter &amp; Company 的财报电话会议反映了积极的情绪，客户增长和财务表现创下新纪录。尽管面临经济挑战，公司仍致力于战略增长和创新，为在金融市场的持续成功奠定基础。</p>

INTR

<p>Inter & Co 第三季度的财报电话会议强调了客户增长创纪录、交易量强劲以及贷款组合扩张。公司报告的净收入创纪录，达到 3.36 亿巴西雷亚尔，股本回报率为 14.2%。面临的挑战包括风险成本上升以及由于高 Selic 利率导致的手续费收入增长放缓。尽管面临经济逆风，Inter 对通过创新和全球扩张维持增长仍持乐观态度</p>

<p>Inter &amp; Company Incorporation Class A ((INTR)) has held its Q3 earnings call. Read on for the main highlights of the call.</p>
<div class="lb-trans"><p>Inter &amp; Company Incorporation Class A（INTR）召开了第三季度财报电话会议。请继续阅读会议的主要亮点。</p>
</div><h3>Meet Your ETF AI Analyst</h3>
<div class="lb-trans"><h3>认识您的 ETF AI 分析师</h3>
</div><ul>
<li>Discover how TipRanks' <em>ETF</em> AI Analyst can help you make smarter investment decisions</li>
<li>Explore ETFs TipRanks' users love and see what insights the <strong><em>ETF</em> AI Analyst</strong> reveals about the ones you follow.</li>
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<div class="lb-trans"><ul>
<li>了解 TipRanks 的_ETF_ AI 分析师如何帮助您做出更明智的投资决策</li>
<li>探索 TipRanks 用户喜爱的 ETF，并查看 <strong><em>ETF</em> AI 分析师</strong> 对您关注的 ETF 所揭示的见解。</li>
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</div><p>Inter &amp; Company Incorporation Class A’s recent earnings call painted a picture of robust growth and record-setting achievements, tempered by some economic challenges. The company reported significant client growth, increased transaction volumes, and an expanding loan portfolio, although it faces hurdles such as rising costs of risk and a slowdown in fee income growth due to economic pressures like high Selic rates.</p>
<div class="lb-trans"><p>Inter &amp; Company Incorporation Class A 最近的财报电话会议描绘了强劲的增长和创纪录的成就，但也受到一些经济挑战的影响。公司报告了显著的客户增长、交易量增加和贷款组合扩展，尽管面临风险成本上升和由于高 Selic 利率等经济压力导致的手续费收入增长放缓等挑战。</p>
</div><h2>Record Client Growth</h2>
<div class="lb-trans"><h2>创纪录的客户增长</h2>
</div><p>Inter achieved a milestone by welcoming 2 million new clients, setting a new record and surpassing the previous high set in 2022. This growth underscores the company’s ability to attract and retain a substantial number of clients, contributing to its expanding market presence.</p>
<div class="lb-trans"><p>Inter 迎来了 200 万新客户，创造了新纪录，超过了 2022 年设定的前高。这一增长凸显了公司吸引和留住大量客户的能力，促进了其市场影响力的扩大。</p>
</div><h2>Strong Transaction Volume</h2>
<div class="lb-trans"><h2>强劲的交易量</h2>
</div><p>The company’s active clients transacted over BRL 412 billion on the platform, marking a year-over-year growth of approximately 30%. This impressive increase highlights the platform’s growing popularity and the trust clients place in Inter’s financial services.</p>
<div class="lb-trans"><p>公司的活跃客户在平台上交易超过 4120 亿巴西雷亚尔，同比增长约 30%。这一令人印象深刻的增长突显了平台日益增长的受欢迎程度以及客户对 Inter 金融服务的信任。</p>
</div><h2>Credit Card Volume Growth</h2>
<div class="lb-trans"><h2>信用卡交易量增长</h2>
</div><p>Inter’s credit card volume reached a new record, exceeding BRL 15 billion, which represents a 20% growth year-over-year. This growth indicates a strengthening position in the credit card market and increased consumer spending.</p>
<div class="lb-trans"><p>Inter 的信用卡交易量达到新纪录，超过 150 亿巴西雷亚尔，同比增长 20%。这一增长表明其在信用卡市场的地位不断增强，消费者支出增加。</p>
</div><h2>Loan Portfolio Expansion</h2>
<div class="lb-trans"><h2>贷款组合扩展</h2>
</div><p>The loan book saw a 30% year-on-year growth, driven by private payroll loans and home equity, with the latter experiencing a 33% growth. This expansion reflects Inter’s strategic focus on diversifying and strengthening its loan offerings.</p>
<div class="lb-trans"><p>贷款组合同比增长 30%，主要得益于私人工资贷款和房屋净值贷款，后者增长了 33%。这一扩展反映了 Inter 在多样化和增强其贷款产品方面的战略重点。</p>
</div><h2>Improved Asset Quality</h2>
<div class="lb-trans"><h2>资产质量改善</h2>
</div><p>The company’s asset quality showed improvement, with the ninety-day past due metric improving by 10 basis points. This indicates effective risk management and a healthier loan portfolio.</p>
<div class="lb-trans"><p>公司的资产质量有所改善，90 天逾期指标改善了 10 个基点。这表明有效的风险管理和更健康的贷款组合。</p>
</div><h2>Low Cost of Funding</h2>
<div class="lb-trans"><h2>低融资成本</h2>
</div><p>Inter maintained a low cost of funding at 68.2% of CDI, supported by strong growth in transactional deposits. This low cost base provides a competitive edge in the financial market.</p>
<div class="lb-trans"><p>Inter 保持了 68.2% 的 CDI 低融资成本，得益于交易存款的强劲增长。这一低成本基础为其在金融市场提供了竞争优势。</p>
</div><h2>Record Net Income and ROE</h2>
<div class="lb-trans"><h2>创纪录的净收入和 ROE</h2>
</div><p>Inter reported a record net income of BRL 336 million and an ROE of 14.2%, showcasing its financial strength and operational efficiency.</p>
<div class="lb-trans"><p>Inter 报告创纪录的净收入为 3.36 亿巴西雷亚尔，ROE 为 14.2%，展示了其财务实力和运营效率。</p>
</div><h2>Increased Cost of Risk</h2>
<div class="lb-trans"><h2>风险成本上升</h2>
</div><p>The cost of risk rose to 5.35%, primarily due to upfront provisioning for the new private payroll portfolio. This increase reflects the challenges of managing risk in a growing loan portfolio.</p>
<div class="lb-trans"><p>风险成本上升至 5.35%，主要由于新私人工资贷款组合的前期准备金。这一增长反映了在不断增长的贷款组合中管理风险的挑战。</p>
</div><h2>Fee Income Growth Slowdown</h2>
<div class="lb-trans"><h2>手续费收入增长放缓</h2>
</div><p>The company experienced a slowdown in fee income growth, impacted by one-off events such as the shutdown of a co-owned company and deferred fees. This slowdown poses a challenge to maintaining revenue growth.</p>
<div class="lb-trans"><p>公司经历了手续费收入增长的放缓，受到一些一次性事件的影响，例如一家合资公司的关闭和延期收费。这一放缓对维持收入增长构成挑战。</p>
</div><h2>Economic Headwinds</h2>
<div class="lb-trans"><h2>经济逆风</h2>
</div><p>Inter faces economic headwinds, particularly high Selic rates, which impact credit portfolio exposure and growth dynamics. These external factors present challenges to sustaining growth momentum.</p>
<div class="lb-trans"><p>Inter 面临经济逆风，特别是高 Selic 利率，这影响了信用组合的风险暴露和增长动态。这些外部因素对维持增长势头构成挑战。</p>
</div><h2>Forward-Looking Guidance</h2>
<div class="lb-trans"><h2>前瞻性指导</h2>
</div><p>Looking ahead, Inter &amp; Co provided optimistic guidance, supported by strong growth metrics and strategic initiatives. The company aims to sustain its momentum into 2026, focusing on innovation, global expansion, and talent development. With a robust client base and high Net Promoter Score, Inter is well-positioned to enhance client value across its seven verticals.</p>
<div class="lb-trans"><p>展望未来，Inter &amp; Co 提供了乐观的指导，得益于强劲的增长指标和战略举措。公司旨在在 2026 年前保持其增长势头，专注于创新、全球扩张和人才发展。凭借强大的客户基础和高净推荐值，Inter 在其七个业务领域中有良好的定位，以提升客户价值。</p>
</div><p>In conclusion, Inter &amp; Company’s earnings call reflects a positive sentiment with record achievements in client growth and financial performance. Despite facing economic challenges, the company remains committed to strategic growth and innovation, positioning itself for continued success in the financial market.</p>
<div class="lb-trans"><p>总之，Inter &amp; Company 的财报电话会议反映了积极的情绪，客户增长和财务表现创下新纪录。尽管面临经济挑战，公司仍致力于战略增长和创新，为在金融市场的持续成功奠定基础。</p>
</div>

Inter & Co 的财报电话会议：在挑战中实现创纪录的增长