WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 69547% more annual revenue ($4.40T vs $6.32B). MFG leads profitability with a 28.4% profit margin vs 22.5%. INTR trades at a lower P/E of 8.5x. MFG earns a higher WallStSmart Score of 78/100 (B+).

INTR

Strong Buy

77

out of 100

Grade: B+

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

MFG

Strong Buy

78

out of 100

Grade: B+

Growth: 9.3Profit: 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
8.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
22.5%9/10

Keeps 23 of every $100 in revenue as profit

Operating MarginProfitability
29.9%8/10

Strong operational efficiency at 29.9%

Revenue GrowthGrowth
25.3%8/10

Revenue surging 25.3% year-over-year

EPS GrowthGrowth
36.9%8/10

Earnings expanding 36.9% YoY

MFG6 strengths · Avg: 9.3/10
Operating MarginProfitability
32.5%10/10

Strong operational efficiency at 32.5%

EPS GrowthGrowth
680.0%10/10

Earnings expanding 680.0% YoY

Free Cash FlowQuality
$487.72B10/10

Generating 487.7B in free cash flow

Market CapQuality
$116.83B9/10

Large-cap with strong market position

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
15.5x8/10

Attractively priced relative to earnings

Areas to Watch

INTR1 concerns · Avg: 1.0/10
Debt/EquityHealth
3.101/10

Elevated debt levels

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.694/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.292/10

Distress zone — elevated risk

Debt/EquityHealth
5.881/10

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 22.5% and operating margin at 29.9%. Revenue growth of 25.3% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, EPS Growth, Free Cash Flow. Profitability is solid with margins at 28.4% and operating margin at 32.5%. Revenue growth of 16.7% demonstrates continued momentum.

Bear Case : INTR

The primary concerns for INTR are 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 5.88 is elevated, increasing financial risk.

Key Dynamics to Monitor

INTR carries more volatility with a beta of 0.92 — expect wider price swings.

INTR is growing revenue faster at 25.3% — sustainability is the question.

MFG generates stronger free cash flow (487.7B), providing more financial flexibility.

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

Bottom Line

MFG scores higher overall (78/100 vs 77/100), backed by strong 28.4% margins and 16.7% revenue growth. 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 leading financial services firm in Brazil, recognized for its innovative approach to retail and investment banking as well as wealth management. The company focuses on financial inclusion by leveraging advanced technology to enhance customer experiences and expand access to banking services for underserved populations. With its commitment to digital transformation and a strategic emphasis on operational efficiency, Inter & Co. is poised to seize growth opportunities within Brazil's dynamic financial landscape, making it an attractive prospect for institutional investors aiming for exposure in emerging markets.

Visit Website →

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.

Want to dig deeper into these stocks?