Axos Financial vs Inter&Co

This page compares Axos Financial (Axos Financial Inc.) and Inter&Co (INTER & CO INC - CL A), examining their business models, financial performance, and market context in a neutral, accessible way. Educational content, not financial advice.

This page compares Axos Financial (Axos Financial Inc.) and Inter&Co (INTER & CO INC - CL A), examining their business models, financial performance, and market context in a neutral, accessible way. E...

About The Companies

Axos Financial (AX)

Axos Financial Inc (AX) is a US-based digital bank offering online consumer and commercial banking, direct lending, mortgages and corporate finance solutions. The company leans on a low-branch, technology-led model to reduce overheads and scale lending and deposit products across retail and business customers. Key revenue drivers include net interest income from lending and deposits, fee income from deposit and payment services, and mortgage origination gains. With a market capitalisation of about $4.48 billion, Axos sits in the regional/digital banking niche where growth depends on loan growth, interest rate margins and credit quality. Investors should note banking earnings can be cyclical: profitability is sensitive to interest-rate movements, loan-loss provisions and regulatory changes. This summary is for educational purposes only and is not personalised financial advice. Values can fall as well as rise; suitability depends on your circumstances and you should consider seeking independent advice before investing.

Inter&Co (INTR)

INTER & CO Inc (Class A, ticker INTR) is a mid‑cap company with a market capitalisation around $4.07 billion. For investors, the key starting points are the company’s core business lines, revenue mix, profit margins and balance‑sheet strength. Mid‑cap stocks like INTR can offer a blend of growth potential and developing scale but may show greater volatility than large‑cap peers. Important considerations include management track record, cash flow generation, competitive positioning, and any industry‑specific risks or regulatory exposures. Public filings, quarterly results and analyst commentaries will give the clearest picture of recent performance and strategy. This summary is educational and not personal advice — investors should carry out their own research or consult a financial adviser to assess suitability for their circumstances. Past performance is not indicative of future returns and the value of shares can fall as well as rise.

Comparison Snapshot

Key Financial Metrics

AX

Metric

INTR

$4.85B

Market Cap

$3.69B

18.71%

Potential Profit

16.73%

Buy

Analyst Rating

Buy

Which Baskets Do They Appear In?

Embedded-Finance Infrastructure

These innovative companies provide the essential API infrastructure that enables any business to seamlessly integrate financial services into their products. Carefully selected by our analysts, these stocks represent the invisible technology powering the next generation of banking, lending, and insurance experiences.

Published: June 17, 2025

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Which Baskets Do They Appear In?

Embedded-Finance Infrastructure

These innovative companies provide the essential API infrastructure that enables any business to seamlessly integrate financial services into their products. Carefully selected by our analysts, these stocks represent the invisible technology powering the next generation of banking, lending, and insurance experiences.

Published: June 17, 2025

Explore Basket

Investment Analysis

Axos Financial

AX

Pros

Axos Financial has demonstrated strong revenue growth, with a compound annual growth rate of over 15% in recent years.
The company maintains a high return on equity, reflecting efficient use of shareholder capital.
Axos Financial operates as a digital bank with a diversified business model, including banking and securities segments.

Considerations

The stock is exposed to interest rate volatility, which can impact net interest margins and profitability.
Axos Financial faces intense competition from both digital and traditional banks, pressuring pricing and market share.
Recent analyst price targets suggest limited near-term upside compared to sector peers.

Inter&Co

INTR

Pros

Inter & Co has a diversified revenue base across banking, investments, insurance brokerage, and digital commerce segments.
The company has achieved solid profitability, with net income exceeding $200 million over the past year.
Inter & Co operates a scalable digital banking platform, supporting customer acquisition and operational efficiency.

Considerations

The stock trades at a higher valuation multiple compared to sector averages, increasing downside risk if growth slows.
Inter & Co's international operations expose it to currency and regulatory risks in Brazil and the US.
Recent analyst consensus is a hold, with some price targets implying significant downside from current levels.

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About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Embedded-Finance Infrastructure

Which Baskets Do They Appear In?

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Investment Analysis

Axos Financial

Pros

Considerations

Inter&Co

Pros

Considerations

Why invest with Nemo?

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

About The Companies

Comparison Snapshot

Axos Financial vs Inter&Co

About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Embedded-Finance Infrastructure

Which Baskets Do They Appear In?

Embedded-Finance Infrastructure

Investment Analysis

Axos Financial

Pros

Considerations

Inter&Co

Pros

Considerations

Why invest with Nemo?

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

Axos Financial vs International Bancshares

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Frequently asked questions

What does a stock comparison tell you about business models and diversification between Axos Financial and Inter&Co?

How should you interpret ‘profitability’ when comparing these two banks?

What is the role of diversification in understanding risk between Axos Financial and Inter&Co?

How should you weigh growth prospects versus current valuation in these two stocks?

What does ‘return on equity’ tell you about Axos Financial and Inter&Co?

Why might analyst targets differ between Axos Financial and Inter&Co?

What market factors should you consider when comparing these stocks?

How do competitive pressures shape the outlook for each stock?

What practical steps can a beginner take when using this page to compare stocks?

What should you remember about this page’s guidance and limitations?

About The Companies

Comparison Snapshot