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INTR

InterC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 net income and EPS grew strongly year over year, reinforcing the prior profitable-growth thesis. Q1 operating momentum, client expansion, and platform monetization could support a re-rating if credit costs remain controlled.
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -1.9.
What can break
Basel capital ratio declined in Q1; Q2 capital and credit metrics were not confirmed in the fetched company-source excerpt.
Momentum
96
Value
55
Sentiment
42
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $5.75 · Bull $7.25 · Bear $4.25Analysis 2026-08-08; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-08 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $9.45
Why
Momentum96 · Δ7d +3.3
Value55 · Δ7d -1.9
Sentiment42 · Δ7d -4.8
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -1.9.

Contradictions & invalidation

  • • Basel capital ratio declined in Q1; Q2 capital and credit metrics were not confirmed in the fetched company-source excerpt.
  • • Brazilian rates, credit conditions, currency, and regulatory developments could affect earnings and valuation.
  • • Revenue slightly missed the FactSet estimate and the stock fell 7.87% after the print.

Catalyst clock

2026-08-06

Q2 2026 earnings showed strong profit growth but a modest revenue miss

Lead driver: Value · See fundamentals
Momentum
96
8% active weight
Current posture
7d trendFlat
Δ7d
+3.3
Δ21d
+70.4
Value
55
47% active weight
Current posture
7d trendSoftening
Δ7d
-1.9
Δ21d
-7.5
Sentiment
42
45% active weight
Current posture
7d trendSoftening
Δ7d
-4.8
Δ21d
-36.5
Why this grade

Composite grade C. Momentum 96.3 / Value 54.8 / Sentiment 42.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-08. Scenario method

B+
Bull case
25%
Probability
Target price
$7.25
Analysis reference price unavailable
Analysis 2026-08-08 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$5.75
Analysis reference price unavailable
Analysis 2026-08-08 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$4.25
Analysis reference price unavailable
Analysis 2026-08-08 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$3.16B
Beta
1.17
Shares Out
440.01M
P/E (TTM)
17.3
P/S (TTM)
2.60
P/FCF (TTM)
2.25
Rev YoY
+44.0%
EPS YoY
+49.3%
Gross Margin
-
Op Margin
+11.4%
Net Debt
$3.4B
Current Ratio
0.38
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data