Inter&Co Grows Credit Portfolio 36% and Net Income 45% to R$1.3B
Inter&Co expanded its credit portfolio by 36% year-over-year, driving net income to R$1.3 billion (US$250 million) for 45% growth in 2025, while active clients surged by 4.4 million to 25 million. Net interest margins climbed to 9.6% from 8.7%, lifting annualized ROE above 15%.
1. Financial Highlights
Inter&Co reported R$1.3 billion (US$250 million) in net income for 2025, marking a 45% increase year-over-year and pushing annualized ROE past 15%.
2. Credit Portfolio Expansion
The credit portfolio grew 36% year-over-year, more than triple the broader Brazilian market rate, driven by Private Payroll Loans, Mortgages, and Credit Cards.
3. Client Base Growth
The bank added 4.4 million active clients in 2025, bringing total active users to 25 million and serving over 43 million customers across Brazil, Argentina, and the US.
4. Margin Improvement
Net interest margin rose to a record 9.6% from 8.7% in 4Q24, reflecting disciplined capital deployment and a resilient balance sheet strategy.