Discounted Cash Flow

Inter & Co., Inc. Foreign

INTR · Based on 10 years of SEC filings

Average annual growth rates

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Average annual growth is the mean year-over-year change across each period.

Endpoint CAGR (better for long term trend)

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Endpoint CAGR is the compound annual rate from the first to last year in each period.

Projections use average year-over-year growth. Change this in Settings.

Projected growth rate

Free cash flow growth
10-year: — 5-year: — 3-year: —
Averaged growth (FCF & NI)
10-year: — 5-year: — 3-year: —
Net income growth
10-year: — 5-year: — 3-year: —
Sales growth (not added to calculations)
10-year: — 5-year: — 3-year: —

Click a greyed-out slider to switch metrics. Slide between the 10-year, 5-year, and 3-year historic growth rates for FCF, net income, or their average.

%
%

Historical inputs (10 fiscal years)

YEAR Sales Net Income Free Cash Flow Net Margin EPS (diluted)
2019 $518.8m $30.4m $30.4m 5.9% $0.01
2020 $758.5m (46.2%) $30.7m (1.0%) $30.7m (1.0%) 4.0% (-30.9%) $0.00 (-14.0%)
2021 $892.2m (17.6%) $-55.1m (-279.5%) $59.4m (93.6%) -6.2% (-252.6%) $-0.01 (-432.6%)
2022 $829.8m (-7.0%) $-14.1m (74.4%) $-14.1m (-123.7%) -1.7% (72.5%) $-0.03 (-93.0%)
2023 $3.2b (286.6%) $352.3m (2602.0%) $352.3m (2602.0%) 11.0% (747.2%) $0.75 (2817.4%)
2024 $4.5b (38.9%) $972.8m (176.2%) $3.7b (943.9%) 21.8% (98.8%) $2.08 (177.3%)
2025 $6.3b (40.8%) $1.4b (43.6%) $7.6b (107.2%) 22.3% (2.0%) $2.98 (43.3%)

Base FCF: (latest fiscal year)

Discount rate: %

Terminal growth:

Projection period: years

Alt A decline yrs:

Alt B total yrs:

Values abbreviated: b = billions, m = millions, k = thousands.

Projected cash flows

Year Projected cash flow Discount Factor Present Value

PV of projected FCF:

Terminal FCF:

Terminal value:

PV of terminal value:

Enterprise value (DCF):

DCF price per share:

Current price:

Alternative DCF Models

Model Fair Value Upside PV(FCFs) PV(Terminal) Total Years
Standard (10yr→TV) 10 + TV
Alt A (Gradual Decline)
Alt B (30yr Hard Stop) N/A

This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.

+ 10YR Financials Balance Sheet (10YR) Cash Flow (10YR) DCF Model