WallStSmart

Inter & Co. Inc. Class A Common Shares (INTR)vsMizuho Financial Group Inc. (MFG)

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Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 67036% more annual revenue ($4.02T vs $5.98B). MFG leads profitability with a 26.1% profit margin vs 21.9%. MFG trades at a lower P/E of 14.3x. MFG earns a higher WallStSmart Score of 74/100 (B).

INTR

Strong Buy

73

out of 100

Grade: B

Growth: 9.3Profit: 7.0Value: 8.3Quality: 4.3
Piotroski: 1/9

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 10.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

INTRUndervalued (+65.7%)

Margin of Safety

+65.7%

Fair Value

$26.21

Current Price

$8.54

$17.67 discount

UndervaluedFair: $26.21Overvalued
MFGUndervalued (+42.4%)

Margin of Safety

+42.4%

Fair Value

$17.51

Current Price

$7.81

$9.70 discount

UndervaluedFair: $17.51Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

INTR6 strengths · Avg: 8.2/10
Profit MarginProfitability
21.9%9/10

Keeps 22 of every $100 in revenue as profit

P/E RatioValuation
15.1x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
28.1%8/10

Strong operational efficiency at 28.1%

Revenue GrowthGrowth
26.4%8/10

Revenue surging 26.4% year-over-year

EPS GrowthGrowth
35.5%8/10

Earnings expanding 35.5% YoY

MFG6 strengths · Avg: 9.0/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Market CapQuality
$92.84B9/10

Large-cap with strong market position

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.868/10

Growing faster than its price suggests

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

Areas to Watch

INTR1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : INTR

The strongest argument for INTR centers on Profit Margin, P/E Ratio, Price/Book. Profitability is solid with margins at 21.9% and operating margin at 28.1%. Revenue growth of 26.4% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.86 suggests the stock is reasonably priced for its growth.

Bear Case : INTR

The primary concerns for INTR are Piotroski F-Score.

Bear Case : MFG

No major red flags identified for MFG, but monitor valuation.

Key Dynamics to Monitor

INTR profiles as a growth stock while MFG is a mature play — different risk/reward profiles.

INTR carries more volatility with a beta of 1.20 — expect wider price swings.

INTR is growing revenue faster at 26.4% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MFG scores higher overall (74/100 vs 73/100), backed by strong 26.1% margins. INTR offers better value entry with a 65.7% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Inter & Co. Inc. Class A Common Shares

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Inter & Co. Inc. (ticker: INTR) is a prominent financial institution in Brazil, specializing in retail banking, investment management, and comprehensive wealth management services. The company is recognized for its commitment to financial inclusion and leveraging advanced technology to enhance customer experience, which significantly boosts access to banking services across diverse demographics. With a strategic focus on digital transformation, Inter & Co. is well-positioned to capitalize on the growth opportunities within Brazil’s evolving financial sector, making it a compelling investment prospect for both retail and institutional investors in emerging markets.

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Mizuho Financial Group Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.

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