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XP
XP.US
XP Inc. provides financial products and services in Brazil. The company operates XP Platform, an open product platform that provides clients to access investment products in the market comprising brokerage securities, fixed income securities, mutual, hedge, and private equity funds; derivatives and synthetic instruments; credit cards; loan operations/collateralized credit products; pension and social security funds, and life and travel insurance products; and other investment products comprising real estate funds, and equity and debt capital markets solutions, as well as wealth management services. It offers brokerage and issuer services to institutional and corporate clients.
1.174 T
XP.USMarket value -Rank by Market Cap -/-

Financial Score

05/12/2025 Update
C
Investment Banking and BrokerageIndustry
Industry Ranking21/46
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreA
    • ROE22.45%A
    • Profit Margin29.37%A
    • Gross Margin69.22%A
  • Growth ScoreC
    • Revenue YoY-0.55%D
    • Net Profit YoY6.05%C
    • Total Assets YoY29.00%A
    • Net Assets YoY13.23%B
  • Cash ScoreC
    • Cash Flow Margin340.49%C
    • OCF YoY-0.55%D
  • Operating ScoreE
    • Turnover0.05E
  • Debt ScoreE
    • Gearing Ratio94.08%E

Valuation analysis

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Institutional View & Shareholder

Analyst Ratings

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    News
    View More

    Has XP’s 62.8% Rally Left Further Upside After Digital Platform Expansion?

    XP Inc.'s stock has surged 62.8% year-to-date, driven by its digital platform expansion in Brazil and diversification efforts. Despite this rally, XP is considered undervalued with a 5/6 valuation score. The Excess Returns model suggests XP is fairly valued, while the Price vs Earnings approach indicates it is undervalued with a PE ratio of 10.48x, below the industry average. Investors are encouraged to track XP's valuation and consider its growth narrative for future investment decisions.

    Simplywall·
    US
    XP
    +3.22%
    Simplywall·
    US
    XP
    +3.22%

    A Look at XP Inc. (NasdaqGS:XP) Valuation After Strong Q3 Growth and Fresh Capital Returns

    XP Inc. (NasdaqGS:XP) reported strong Q3 results with year-over-year growth in revenue and net income. The company announced a share buyback and a new cash dividend. XP's share price has risen 56% this year, currently at $18.45, with a fair value estimated over $23. Despite recent gains, long-term returns are below IPO levels. Analysts remain bullish, but high interest rates and slowing corporate inflows could challenge future growth.

    Simplywall·
    US
    XP
    +3.22%
    Simplywall·
    US
    XP
    +3.22%

    Optimistic Outlook for XP: Strong Q3 Performance and Positive Market Indicators Support Buy Rating

    Morgan Stanley's Jorge Kuri reiterated a Buy rating for XP with a $26.00 price target, citing strong Q3 financial performance and positive market indicators. XP's net income grew 12% year-over-year, surpassing estimates, with retail net inflows exceeding expectations by 30%. Despite some shortfalls, management's reaffirmation of guidance and potential to meet 2026 targets support an optimistic outlook for XP.

    Tip Ranks·
    US
    XP
    +3.22%
    Tip Ranks·
    US
    XP
    +3.22%

    XP Inc: Balanced Hold Rating Amid Revenue Growth and Market Challenges

    Bank of America Securities analyst Mario Pierry maintains a Hold rating on XP Inc due to mixed financial performance. Despite revenue growth, challenges like EBT margin contraction and macroeconomic uncertainties persist. Pierry's balanced assessment reflects XP's market position amid pressures on equities and fixed income revenues. TipRanks rates Pierry as a 2-star analyst with a 0.6% average return. Another report also reiterates a Hold rating with a $21.50 price target.

    Tip Ranks·
    US
    XP
    +3.22%
    Tip Ranks·
    US
    XP
    +3.22%

    XP Inc.A ( XP ) Meets Q3 Earnings Estimates

    XP Inc.A (XP) delivered earnings and revenue surprises of 0.00% and -0.20%, respectively, for the quarter ended September 2025. Do the numbers hold clues to what lies ahead for the stock?

    Zacks Commentary·
    US
    XP
    +3.22%
    Zacks Commentary·
    US
    XP
    +3.22%
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