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Earnings Call Summary | Inter & Co(INTR.US) Q1 2024 Earnings Conference

Earnings Call Summary | Inter & Co(INTR.US) Q1 2024 Earnings Conference

财报电话会议摘要 | Inter & Co (INTR.US) 2024 年第一季度财报会议
moomoo AI ·  05/12 14:26  · 电话会议

The following is a summary of the Inter & Co, Inc. (INTR) Q1 2024 Earnings Call Transcript:

以下是英特尔公司(INTR)2024年第一季度财报电话会议记录摘要:

Financial Performance:

财务业绩:

  • The company had a robust growth in revenue, driven by increased client monetization across savings and credit platforms.

  • The company's efficiency ratio improved significantly by 370 basis points to 47.7%.

  • A record Return on Equity (ROE) of 9.7% was reported, marking the company's highest-ever net income of BRL195 million, along with a pre-tax profit of BRL274 million.

  • Stable portfolio size in payroll loans sector was maintained around BRL 5 billion with implied rates growth up by 80 bps, attributed to disciplined pricing and profitability focus.

  • 在储蓄和信贷平台客户获利增加的推动下,该公司的收入实现了强劲增长。

  • 该公司的效率比率显著提高了370个基点,达到47.7%。

  • 公布的股本回报率(ROE)创下了创纪录的9.7%,这是该公司有史以来最高的净收入,达到 BRL195 百万美元,税前利润为 BRL274 百万美元。

  • 薪资贷款领域的稳定投资组合规模维持在50亿雷亚尔左右,隐含利率增长了80个基点,这要归因于严格的定价和对盈利能力的关注。

Business Progress:

业务进展:

  • The company saw an increase in client numbers to 32 million.

  • The integration of a new rewards program, Loop, is in progress to amplify client engagement.

  • The company is set to continue its growth in client numbers, loans, deposits, and top-line revenue for the remaining part of 2024.

  • The company's seventh vertical, loyalty, has achieved 6.6 million active clients, boosted by Loop, thus improving client spending, engagement, and activation.

  • There's a continuous expansion of new credit lines with consistent growth observed in various financing sectors.

  • The company is set to host Tech Day to delve into its key competitive advantage, its technology platform.

  • The goal is to evolve origination from mostly omni-channel to a hybrid of digital and omni-channel for portfolio growth throughout 2024 and gain market share from the traditional payroll sector.

  • 该公司的客户数量增加到3200万。

  • 一项名为Loop的新奖励计划的整合正在进行中,以扩大客户参与度。

  • 该公司将在2024年剩余时间内继续增长客户数量、贷款、存款和营收收入。

  • 该公司的第七个垂直领域,即忠诚度,在Loop的推动下,已获得660万活跃客户,从而提高了客户支出、参与度和激活率。

  • 新的信贷额度持续扩大,各融资领域持续增长。

  • 该公司将举办科技日,深入研究其关键竞争优势——技术平台。

  • 目标是在2024年将投资组合从以全渠道为主的全渠道发展为数字和全渠道的混合体,以实现投资组合增长,并从传统薪资领域获得市场份额。

More details: Inter & Co IR

更多详情: Inter & Co IR

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