Inter & Co (INTR) Q4 2025 Earnings Call Transcript

Motley Fool Transcribing, The Motley Fool

Wed, February 11, 2026 astatine 11:02 AM CST 57 min read

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Wednesday, February 11, 2026 astatine 10 a.m. ET

• Chief Executive Officer — João Vitor Menin

• Chief Financial Officer — Santiago Stel

• Chief Legal and Compliance Officer — [Not named successful transcript; referenced arsenic caller hire]

• Chief Risk Officer — [Not named successful transcript; referenced arsenic caller hire]

• Investor Relations Officer — Rafael Vittore

João Vitor Menin: Tourette's. As of December, we had 18,000,000 users. And this fig is increasing daily. In July, we enhanced My Pick Bank, enabling clients to acceptable circumstantial goals for their investments. This UX betterment made investing easier, embodying the halfway of our customer-centric DNA. Today, we person 1,500,000 progressive users leveraging this feature, driving beardown activation successful our investments vertical. Finally, successful December, we rolled retired My Credit Journey to our full lawsuit base. This caller diagnostic recorded 3,000,000 unsocial accesses successful a fewer weeks, offering our clients astute recognition solutions by combining fiscal denotation with an precocious interior modeling process. While I person shared 4 examples here, 2025 was a singular twelvemonth of innovation crossed our platform.

Beyond these 4 products, we besides launched implicit 10 caller features, including, for instance, the caller taskbar, our AI solution to assistance our clients navigate done our ace app. This advancement is evident done the marque designation we received, which I volition heavy dive connected the adjacent page. Bringing caller solutions similar the ones I conscionable mentioned keeps america intimately connected to our clients' needs. This transportation translates into designation and accrued engagement. During 2025, we were arrogant to beryllium ranked arsenic the seventh astir almighty marque successful Brazil and the 3rd astir mentioned marque connected societal media successful Brazil. We besides achieved different milestone, being ranked arsenic the fig 1 slope marque among Gen Z.

These clients are a cardinal absorption for america arsenic we connection products and services tailored to conscionable their needs. Last but not least, our clients placed Inter arsenic the fig 1 rated fiscal app successful some Apple Store and Google Play. These achievements are wide grounds of the spot and appreciation radical person for Inter & Co, Inc. They besides item the powerfulness of word-of-mouth and member-get-member approach, which proceed to thrust our marque consciousness and engagement. During 2025, we hosted for the archetypal clip an lawsuit dedicated to our concern clients, who present full 9,000,000 people. It was a Saturday filled with unthinkable contented wherever concern specialists shared their cognition and insights with implicit 6,000 clients attending.