---
title: "XP Inc. (XP.US)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/XP.US.md"
symbol: "XP.US"
name: "XP Inc."
industry: "投資銀行和經紀"
---

# XP Inc. (XP.US)

| Item | Detail |
|------|--------|
| Industry | 投資銀行和經紀 |
| Location | 美股市場 |
| Website | [www.xpinc.com](https://www.xpinc.com) |

## Company Profile

XP Inc. 在巴西提供金融產品和服務。該公司運營 XP 平台，這是一個開放的產品平台，客戶可以訪問市場上的投資產品，包括經紀證券、固定收益證券、共同基金、對衝基金和私募股權基金；衍生品和合成工具；信用卡；貸款操作/擔保信貸產品；養老金和社會保障基金，以及人壽和旅行保險產品；以及其他投資產品，包括房地產基金和股權及債務資本市場解決方案，以及財富管理服務。它為機構和企業客戶提供經紀和發行服務

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-20T04:30:14.000Z

**Overall: C (0.53)**

**Industry**: Investment Banking and Brokerage

| Metric | Value |
|--------|-------|
| Industry Ranking | 23 / 47 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Mid - The company has stable operation of a large-cap stock and the high return of a small-cap stock.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 10.02% |  |
| Net Profit YoY | 15.23% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 2.60 |  |
| Dividend Ratio | 0.84% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 11.17B |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 3.23B |  |


**Multi Score**: C

#### Profit Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 23.72% | A |
| Profit Margin | 29.09% | A |
| Gross Margin | 69.26% | A |

#### Growth Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 10.02% | B |
| Net Profit YoY | 15.23% | B |
| Total Assets YoY | 28.74% | A |
| Net Assets YoY | 32.51% | A |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 343.79% | C |
| OCF YoY | 10.02% | B |

#### Operating Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.05 | E |

#### Debt Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 94.06% | E |


```chart-data:radar
{
  "title": "Longbridge Financial Score - XP Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "A",
      "indicators": [
        {
          "name": "ROE",
          "value": "23.72%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "29.09%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "69.26%",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "B",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "10.02%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "15.23%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "28.74%",
          "rating": "A"
        },
        {
          "name": "Net Assets YoY",
          "value": "32.51%",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "343.79%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "10.02%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "E",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.05",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "E",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "94.06%",
          "rating": "E"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | Dominari (US.DOMH) | A | A | B | A | B | A |
| 02 | 摩根士丹利 (US.MS) | A | B | E | A | B | B |
| 03 | 嘉信理財 (US.SCHW) | A | B | E | A | B | B |
| 04 | LPL金融控股 (US.LPLA) | B | B | A | D | A | B |
| 05 | Evercore (US.EVR) | A | B | E | A | B | B |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 12.68 | 12/48 | 11.87 | 10.87 | 9.79 |
| PB | 2.78 | 25/48 | 2.65 | 2.40 | 2.14 |
| PS (TTM) | 3.69 | 27/48 | 3.43 | 3.15 | 2.82 |
| Dividend Yield | 0.78% | 20/48 | 4.43% | 3.64% | 3.31% |

## Institutional View

### Analyst Rating Distribution

> As of 2026-02-13T05:00:00.000Z

Total Analysts: **13**

| Rating | Count | Percentage |
|--------|-------|-----------|
| Buy | 7 | 54% |
| Overweight | 3 | 23% |
| Hold | 3 | 23% |
| Underweight | 0 | 0% |
| Sell | 0 | 0% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 22.95 |
| Highest Target | 27.93 |
| Lowest Target | 21.69 |

## References

- [Company Overview](https://longbridge.com/en/quote/XP.US/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/XP.US/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/XP.US/topics.md) - Community topics and discussions

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.