Inter Surpasses Rule of 40 as Credit Growth and Profitability Accelerate
Hey Digital Banking Fanatic!
Inter just closed 2025, proving a point many doubted about digital banks.
Credit portfolio up 36%. More than three times the Brazilian market. Net income up 45%. ROE hitting 15.1%.
That combination pushed Inter past the Rule of 40. Growth and profitability. At the same time.
Profit reached R$1.3 billion. Mortgage lending jumped nearly 50%. ARPAC climbed to R$35 while the cost to serve stayed at R$13.80. Operational leverage is doing the heavy lifting.
As CFO Santiago Stel put it, they won’t sacrifice the future for a prettier present. The focus stays on resilient products like payroll loans, home equity, and mortgages.
Digital banking at scale. And now with margins to match.
If you’re tracking how Digital Banking players are combining growth with discipline, keep scrolling 👇 More stories from the ecosystem coming your way soon.
Cheers,
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NEWS
🇧🇷 Inter combines credit expansión with profitability and surpasses the rule of 40 in 2025, expanding its loan portfolio by 36% and increasing net profit by 45%. CFO Santiago Stel emphasizes the importance of not sacrificing the future for immediate results and of offering products that make sense for clients.
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