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 71050% more annual revenue ($4.74T vs $6.66B). MFG leads profitability with a 29.1% profit margin vs 22.9%. INTR trades at a lower P/E of 8.1x. MFG earns a higher WallStSmart Score of 82/100 (A-).

INTR

Strong Buy

75

out of 100

Grade: B+

Growth: 9.3Profit: 7.0Value: 6.7Quality: 3.8
Piotroski: 4/9

MFG

Exceptional Buy

82

out of 100

Grade: A-

Growth: 10.0Profit: 7.5Value: 5.7Quality: 4.0
Piotroski: 6/9Altman Z: 0.29

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

INTR6 strengths · Avg: 8.8/10
P/E RatioValuation
8.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
22.9%9/10

Keeps 23 of every $100 in revenue as profit

Operating MarginProfitability
29.7%8/10

Strong operational efficiency at 29.7%

Revenue GrowthGrowth
23.8%8/10

Revenue surging 23.8% year-over-year

EPS GrowthGrowth
32.4%8/10

Earnings expanding 32.4% YoY

MFG6 strengths · Avg: 9.0/10
Operating MarginProfitability
46.7%10/10

Strong operational efficiency at 46.7%

Revenue GrowthGrowth
35.0%10/10

Revenue surging 35.0% year-over-year

Market CapQuality
$132.41B9/10

Large-cap with strong market position

Profit MarginProfitability
29.1%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
15.2x8/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Areas to Watch

INTR2 concerns · Avg: 1.5/10
Free Cash FlowQuality
$-3.28B2/10

Negative free cash flow — burning cash

Debt/EquityHealth
3.101/10

Elevated debt levels

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.292/10

Distress zone — elevated risk

Debt/EquityHealth
5.911/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : INTR

The strongest argument for INTR centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 22.9% and operating margin at 29.7%. Revenue growth of 23.8% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 29.1% and operating margin at 46.7%. Revenue growth of 35.0% demonstrates continued momentum.

Bear Case : INTR

The primary concerns for INTR are Free Cash Flow, Debt/Equity. Debt-to-equity of 3.10 is elevated, increasing financial risk.

Bear Case : MFG

The primary concerns for MFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 5.91 is elevated, increasing financial risk.

Key Dynamics to Monitor

INTR carries more volatility with a beta of 0.95 — expect wider price swings.

MFG is growing revenue faster at 35.0% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (82/100 vs 75/100), backed by strong 29.1% margins and 35.0% revenue growth. Both earn "Exceptional 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 services firm in Brazil, distinguished by its innovative solutions in retail and investment banking, as well as wealth management. The company's mission centers around promoting financial inclusion, utilizing cutting-edge technology to improve customer experiences and extend banking access to underserved communities. With a strong focus on digital transformation and operational efficiency, Inter & Co. is well-positioned to capitalize on growth prospects in Brazil's evolving financial sector, rendering it an appealing investment for institutional investors seeking opportunities 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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