Contrasting Lichen International (NASDAQ:LICN) & Inter & Co. Inc. (NASDAQ:INTR)

Inter & Co. Inc. (NASDAQ:INTR) and Lichen International (NASDAQ:LICN) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their dividends, analyst recommendations, earnings, institutional ownership, profitability, valuation and risk.

Institutional and Insider Ownership

22.9% of Inter & Co. Inc. shares are owned by institutional investors. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

This table compares Inter & Co. Inc. and Lichen International’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Inter & Co. Inc.	12.46%	12.57%	1.41%
Lichen International	N/A	N/A	N/A

Earnings and Valuation

This table compares Inter & Co. Inc. and Lichen International”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Inter & Co. Inc.	$1.31 billion	3.08	$168.18 million	$0.49	18.78
Lichen International	$41.48 million	0.04	-$6.14 million	N/A	N/A

Inter & Co. Inc. has higher revenue and earnings than Lichen International.

Risk & Volatility

Inter & Co. Inc. has a beta of 1.14, meaning that its share price is 14% more volatile than the S&P 500. Comparatively, Lichen International has a beta of 1.17, meaning that its share price is 17% more volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Inter & Co. Inc. and Lichen International, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Inter & Co. Inc.	1	2	3	0	2.33
Lichen International	1	0	0	0	1.00

Inter & Co. Inc. currently has a consensus price target of $8.32, suggesting a potential downside of 9.57%. Given Inter & Co. Inc.’s stronger consensus rating and higher probable upside, equities analysts plainly believe Inter & Co. Inc. is more favorable than Lichen International.

Summary

Inter & Co. Inc. beats Lichen International on 10 of the 11 factors compared between the two stocks.

About Inter & Co. Inc.

Inter & Co., Inc. Is a holding company, which engages in the provision of financial products and services. It operates through the following segments: Banking, Securities, Insurance Brokerage, Marketplace, Asset Management, Service, and Other. The Banking segment offers checking accounts cards, deposits, loans and advances, and other services through mobile application. The Securities segment is involved in the acquisition, sale and custody of securities, the structuring and distribution of securities in the capital market, and the provision of administration services to investment funds. The Insurance Brokerage segment includes insurance products underwritten by insurance companies, such as warranties, life, property and automobile insurance, and pension products, as well as consortium products provided by a third party. The Marketplace segment operates a digital platform, which offers goods and services to its customers. The Asset Management segment is composed of the operations related to the management of fund portfolios and other assets. The Service segment consists of collection and management of personal information, development and licensing of customized computer programs, development and licensing of non-customized computer programs and technical support, maintenance, and other information technology services. The company was founded on January 26, 2021 and is headquartered in Belo Horizonte, Brazil.

About Lichen International

Lichen China Limited, together with its subsidiaries, operates as an investment holding company, provides financial and taxation, education support, and software and maintenance services in the People's Republic of China and internationally. The company offers financial and taxation related management consultation, internal control management consultation, annual or regular consultation, and internal training and general consultation services; and education support services, including marketing, operational, and technical support, as well as sells teaching and learning materials. It also provides Lichen Education Accounting Practice System V1.0, a financial and taxation training software, and academic affairs management system to partnered institutions under the partnership agreements, as well as offers software installation, training, and after sales technical and maintenance support services. Lichen China Limited was founded in 2004 and is based in Jinjiang, China.