Inter&Co’s 2026 outlook is a company strategy, not a forecast that growth or profitability is assured. Its latest reported quarter, 2Q26, showed year-over-year growth in revenue and lending alongside a 16.3% return on equity (ROE); management’s longer-term target is to combine annual net-revenue growth and ROE to reach 50% through 2029. The plan depends on turning its Super App into a more productive distribution platform while expanding deposits and credit—and managing the risks that come with faster lending.
What is Inter&Co’s 2026 outlook?
Inter&Co is pursuing growth and profitability through three priorities: deepen client relationships, grow deposits and expand credit penetration. Its 2025 annual report describes the Rule of 50 as the financial discipline for this next phase: combine year-over-year net-revenue growth with ROE, with a target of 50% each year through 2029. That is a management target, not a reported result or an independent forecast. [Source]
The latest available quarter in the company materials reviewed here is 2Q26, reported in August 2026. Inter&Co reported 32% year-over-year net-revenue growth, R$421 million in quarterly net income and 16.3% ROE. Those figures describe one quarter; they are not full-year 2026 results. [2Q26 earnings release]
The company’s prior roadmap, called 60/30/30, focused on 60 million clients, a 30% efficiency ratio and 30% ROE. Its 2025 annual report says it grew from 23 million to more than 43 million clients, lowered the efficiency ratio from 70.0% to 45.5%, and moved ROE from negative to above 15%. Inter&Co presents the Rule of 50 as the next phase rather than a replacement for the underlying goal of scaling efficiently. ROE and the efficiency measure are non-IFRS measures in the annual report. [2025 annual report]
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What the Rule of 50 means—and what it does not
Inter&Co defines the Rule of 50 as the sum of year-over-year net-revenue growth and ROE. In practical terms, the company aims for the two percentages to total 50% each year through 2029. For example, revenue growth of 32% and ROE of 16.3% in 2Q26 would sum to 48.3 percentage points if combined mechanically. However, the company’s target is an annual discipline, and those two quarterly reported measures should not be treated as a formal calculation of annual performance or proof that the target was met.
Global CEO João Vitor Menin described the target in the 2025 annual report as “not a destination with a deadline — it is a discipline that guides every strategic decision Inter makes, from now through 2029 and beyond.” The statement reflects management’s intended framework, not a guarantee of future results. [2025 annual report]
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How the Super App is supposed to support growth
Inter&Co describes its Super App as a connected platform for banking, credit, investments, insurance, shopping, global services and loyalty. Management’s business-model thesis is that these services can keep customers engaged, generate data that helps personalize offers, and make cross-selling more effective. A larger platform could also distribute products at scale, while service fees may diversify revenue and require less capital than lending, according to the annual report. These are the company’s strategic claims, not independently established outcomes.
The framework called “Inter by Design” combines sustainable revenue growth, scalable distribution and cost efficiency. The idea is that serving more needs within one app may deepen client relationships and increase product adoption without relying only on loan growth. Whether the model produces durable economics depends on customer activity, product uptake, funding costs, credit performance and the expense of maintaining and expanding the platform.
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What 2Q26 says about clients, deposits and engagement
Inter&Co’s 2Q26 earnings release reported 26.4 million active clients and a 58.3% activation rate for the quarter. It also reported 3.7 million net new active clients over the prior 12 months. These measures are not interchangeable: the first is the active-client base for the quarter, the second is the proportion activated, and the third is net additions over a trailing year. [2Q26 earnings release]
Engagement indicators offer another view of the platform’s reach. The company reported an average of at least 21 million logins per day and 32 million financial transactions per day, as well as about 9% share of Pix transactions. It also reported six million active users of Seven, its multi-agent AI tool. These are company-reported activity measures, not evidence by themselves that users adopt multiple revenue-generating products. [2Q26 earnings release]
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Funding is central to the strategy because deposits help support lending. At 2Q26, Inter&Co reported R$77 billion in funding, up 24% year over year, with a funding cost equal to 66% of CDI. Time deposits grew 27% year over year. The release also said more than four million clients had R$10.3 billion invested in My Piggy Bank, and net fee income grew 11% year over year. These figures show activity across deposits and fee-generating services, but do not establish that all Super App verticals contribute equally or that their growth will continue at the same pace. [2Q26 earnings release]
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Credit growth is a major opportunity—and the clearest execution risk
Inter&Co reported 29% year-over-year growth in its loan portfolio in 2Q26, which it described as three times the Brazilian market rate. Faster lending can support revenue, but it also raises the importance of borrower quality, collections and the cost of credit. [2Q26 earnings release]
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The company said asset-quality measures reflected changes in portfolio mix, including growth in Private Payroll loans and interest-earning credit-card balances. Management reported that delinquency in the newer Private Payroll portfolio remained elevated longer than expected, citing collection problems when employees changed employers and payments were interrupted. It said it was working to reconnect borrowers with new employers and focusing on higher-quality clients. These are management’s explanations and responses; they do not establish that the collection issues or credit risk have been resolved.
Inter&Co also said a credit-card write-off-policy adjustment had a one-time 30-basis-point effect on its over-90-day non-performing-loan ratio, with no impact on provisions or cost of risk. That accounting-policy effect should be distinguished from underlying changes in borrower performance. [2Q26 earnings release]
Costs and profitability need to be read alongside growth
In 2Q26, operating expenses rose 19% year over year, slower than the 32% increase in net revenue. Depreciation and amortization rose 44% as investments in the Super App were amortized. The comparison suggests revenue grew faster than operating expenses in that quarter, while the higher amortization rate illustrates the cost of building the platform. One quarter does not establish a continuing trend in efficiency or returns. [2Q26 earnings release]
For a consistent assessment of the outlook, compare periods using the same definitions and look across revenue growth and ROE, client additions and activation, deposit growth and funding cost, loan growth and asset quality, fee income, and operating expenses. The Rule of 50 uses company-reported revenue growth and ROE; some related performance measures in the annual report are non-IFRS.
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- Client depth: whether active users adopt more services, not just whether the total client base expands.
- Funding economics: whether deposits can grow at a cost that supports lending returns.
- Credit quality: whether portfolio growth can coexist with effective collections and manageable delinquency.
- Revenue mix: whether fees from services beyond lending become a meaningful, durable contributor.
- Investment discipline: whether platform spending and amortization remain compatible with improving efficiency and ROE.
The 2025 annual report also cites more than 43 million total clients and R$1.8 trillion in 4Q25 run-rate total payment volume (TPV). These are separate measures from the active-client and daily-transaction figures in 2Q26, and should not be conflated with them. [2025 annual report]
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