*★★Inter & Co, Inc. (INTR) Q1 2025 Earnings Call: Sustained Growth*

*★KEY HIGHLIGHTS:★*
★**Financials**★ – Q1 2025 net income BRL 287M, ROE 12.9%, efficiency ratio 48.8% (-130 bps).
★**Operations**★ – 38M clients (+1M active), loans +33%, TPV BRL 342B (+33% YoY).
★**Strategy**★ – CEO Joao Vitor Menin emphasized collateralized credit, digital platform, global expansion.
★**Outlook**★ – Targets 25-30% loan growth, NIM expansion, 30% efficiency ratio by 2027.

*★TIMESTAMPS:★*
[00:00] – Opening Remarks and Introduction
[01:55] – Q1 2025 Overview (Joao Vitor Menin)
[03:53] – Secular Shift and Business Model
[05:40] – Operational Performance (Alexandre Riccio)
[07:27] – Credit and Consumer Finance Growth
[09:24] – Investments and Insurance Verticals
[11:18] – Marketplace and Global Accounts
[12:57] – Financial Results (Santiago Stel)
[14:28] – Loan Portfolio and Asset Quality
[16:10] – Funding and Cost of Funding
[17:46] – Revenue and NIM Trends
[21:10] – Closing Remarks (Joao Vitor Menin)
[23:10] – Q&A Session Begins
[23:10] – Private Payroll Learnings (Pedro Leduc)
[27:59] – Loan Growth Outlook (Gustavo Schroden)
[36:25] – Efficiency Ratio Trends (Tito Labarta)
[42:28] – Global Account Strategy (Thiago Batista)
[47:56] – Stage 2 Asset Quality (Yuri Fernandes)
[55:57] – Credit Card Interest Assets (Marcelo Mizrahi)
[1:00:38] – BNPL Performance (Neha Agarwala)
[1:03:52] – NIM Drivers (Antonio Rouette)
[1:05:37] – Credit Penetration Strategy (Daniel Vaz)

*★Keywords:★* Inter & Co, Q1 2025 earnings, INTR stock, digital banking, Brazil, collateralized credit

*★Buy, Hold, or Sell?★*
Inter & Co, Inc. (INTR) is a ★**BUY**★. Client growth and profitability gains outweigh seasonal fee challenges.

**★Max Position**★ – Allocate ★**5-7%**★ in a diversified portfolio.

*★Comment below with your thoughts!★ 🎉 ★Subscribe for more updates!★*
*★Full Details:★* [Inter & Co Investor Relations](https://investors.inter.co)