Is a complete XP research report available?

No complete published report is available for XP Inc. (XP) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

XP Inc. (XP)

NASDAQ: XP · USD

$16.1

+0.12 (+0.8%)· Recorded snapshot

Market cap	8.2B
Revenue (ttm)	3.6B
Net income (ttm)	1B
EPS (ttm)	$1.96
Shares out	507.5M
P/E (trailing)	8.2x
P/E (forward)	7.3x
Dividend	$0.20 (1.24%)
Volume	30,508,767
Beta	1.03

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Strong Buy
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Strong Buy
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Hold

Metric	Value
Amount currency	USD
CIK code	0001787425
Company name	XP Inc.
Country	Cayman Islands
Country code	US
CUSIP number	G98239109
Earnings date	2026-11-16
Earnings time	amc
Employees	8,069
Employees change	627
Employees growth	8.43%
Enterprise value	$-16.5B
Exchange	NASDAQ
Financial currency	BRL
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2001
Industry	Capital Markets
IPO date	2019-12-11
Is primary listing	Yes
Is SPAC	No
ISIN number	KYG982391099
Last 10-K release date	2026-04-29
Last earnings date	2026-08-17
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$8.2B
Market cap category	Mid-Cap
Next earnings date	2026-11-16
Options	Yes
Price	$16.09
Price currency	USD
Sector	Financials
SIC code	6211
Stock price date	2026-10-28
Symbol	XP
Website	https://www.xpinc.com

Metric

Value

Amount currency

USD

CIK code

0001787425

Company name

XP Inc.

Country

Cayman Islands

Country code

CUSIP number

G98239109

Earnings date

2026-11-16

Earnings time

amc

Employees

8,069

Employees change

627

Employees growth

8.43%

Enterprise value

$-16.5B

Exchange

NASDAQ

Financial currency

BRL

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

2001

Industry

Capital Markets

IPO date

2019-12-11

Is primary listing

Yes

Is SPAC

ISIN number

KYG982391099

Last 10-K release date

2026-04-29

Last earnings date

2026-08-17

Last refreshed

2026-10-28

Last stock split type

Never

Market cap

$8.2B

Market cap category

Mid-Cap

Next earnings date

2026-11-16

Options

Yes

Price

$16.09

Price currency

USD

Sector

Financials

SIC code

6211

Stock price date

2026-10-28

Symbol

Website

https://www.xpinc.com

Metric	Value
Adjusted P/E ratio	8.45x
Average P/E ratio (10Y)	26.55x
Average P/E ratio (3Y)	11.98x
Average P/E ratio (5Y)	14.82x
Earnings yield	12.16%
FCF / EV yield	-14.81%
FCF yield	31.36%
Forward P/E	7.28x
Forward P/S	1.94x
Graham number	20.39058
Graham upside	30.71%
Industry forward P/E	15.58x
Industry P/E	26.21x
Lynch fair value	$26.69
Lynch upside	71.06%
P/(FCF - SBC) ratio	3.26x
P/(OCF - SBC) ratio	3.2x
P/B ratio	1.69x
P/E ratio	8.22x
P/FCF ratio	3.19x
P/OCF ratio	3.13x
P/S ratio	2.2x
PEG ratio	0.39x
Price / tangible book value	1.87x
Sector forward P/E	13.61x
Sector P/E	15.68x

Metric

Value

Adjusted P/E ratio

8.45x

Average P/E ratio (10Y)

26.55x

Average P/E ratio (3Y)

11.98x

Average P/E ratio (5Y)

14.82x

Earnings yield

12.16%

FCF / EV yield

-14.81%

FCF yield

31.36%

Forward P/E

7.28x

Forward P/S

1.94x

Graham number

20.39058

Graham upside

30.71%

Industry forward P/E

15.58x

Industry P/E

26.21x

Lynch fair value

$26.69

Lynch upside

71.06%

P/(FCF - SBC) ratio

3.26x

P/(OCF - SBC) ratio

3.2x

P/B ratio

1.69x

P/E ratio

8.22x

P/FCF ratio

3.19x

P/OCF ratio

3.13x

P/S ratio

2.2x

PEG ratio

0.39x

Price / tangible book value

1.87x

Sector forward P/E

13.61x

Sector P/E

15.68x

Metric	Value
Effective tax rate	7.21%
FCF margin	70.92%
Gross margin	69.2%
Operating margin	30.45%
Pretax margin	30.74%
Profit margin	28.54%
Profit per employee	$127,184
Profitable quarters	31
Profitable years	10
Revenue per employee	$445,674
ROA	1.36%
ROA (5Y)	1.98%
ROE	22.56%
ROE (5Y)	23.82%
ROIC	2.8%
ROIC (5Y)	3.86%
SBC / revenue	1.56%
Tax / revenue	2.22%

Metric

Value

Effective tax rate

7.21%

FCF margin

70.92%

Gross margin

69.2%

Operating margin

30.45%

Pretax margin

30.74%

Profit margin

28.54%

Profit per employee

$127,184

Profitable quarters

Profitable years

Revenue per employee

$445,674

ROA

1.36%

ROA (5Y)

1.98%

ROE

22.56%

ROE (5Y)

23.82%

ROIC

2.8%

ROIC (5Y)

3.86%

SBC / revenue

1.56%

Tax / revenue

2.22%

Metric	Value
EPS growth	11.29%
EPS growth (Q)	8.61%
EPS growth (QoQ)	7.24%
EPS growth 3Y	15.98%
EPS growth 5Y	15.46%
EPS growth quarters	14
EPS growth years	3
FCF growth	26%
FCF growth 3Y	26.67%
Net income growth	8.05%
Net income growth (Q)	5.52%
Net income growth (QoQ)	6.26%
Net income growth 3Y	14.05%
Net income growth 5Y	13.64%
Net income growth quarters	13
Net income growth years	3
OCF growth	26.5%
OCF growth 3Y	27.21%
OCF growth 5Y	157.53%
Operating income growth	11.21%
Operating income growth (Q)	12.92%
Operating income growth 3Y	17.37%
Operating income growth 5Y	12.51%
Revenue growth	10.82%
Revenue growth (Q)	10.6%
Revenue growth (QoQ)	3.54%
Revenue growth 3Y	13.07%
Revenue growth 5Y	13.04%
Revenue growth quarters	14
Revenue growth years	9

Metric

Value

EPS growth

11.29%

EPS growth (Q)

8.61%

EPS growth (QoQ)

7.24%

EPS growth 3Y

15.98%

EPS growth 5Y

15.46%

EPS growth quarters

EPS growth years

FCF growth

26%

FCF growth 3Y

26.67%

Net income growth

8.05%

Net income growth (Q)

5.52%

Net income growth (QoQ)

6.26%

Net income growth 3Y

14.05%

Net income growth 5Y

13.64%

Net income growth quarters

Net income growth years

OCF growth

26.5%

OCF growth 3Y

27.21%

OCF growth 5Y

157.53%

Operating income growth

11.21%

Operating income growth (Q)

12.92%

Operating income growth 3Y

17.37%

Operating income growth 5Y

12.51%

Revenue growth

10.82%

Revenue growth (Q)

10.6%

Revenue growth (QoQ)

3.54%

Revenue growth 3Y

13.07%

Revenue growth 5Y

13.04%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-44.1M
EPS	$1.96
FCF per share	$4.89
Financing cash flow	$-1.3B
Free cash flow	$2.5B
Free cash flow minus SBC	$2.4B
Gross profit	$2.5B
Income taxes	$79.7M
Investing cash flow	$-171.5M
Net borrowing	$-675.2M
Net cash flow	$1.1B
Net income	$1B
Operating cash flow minus SBC	$2.5B
Operating income	$1.1B
Revenue	$3.6B
Stock-based compensation	$56.2M

Metric

Value

Capital expenditures

$-44.1M

EPS

$1.96

FCF per share

$4.89

Financing cash flow

$-1.3B

Free cash flow

$2.5B

Free cash flow minus SBC

$2.4B

Gross profit

$2.5B

Income taxes

$79.7M

Investing cash flow

$-171.5M

Net borrowing

$-675.2M

Net cash flow

$1.1B

Net income

$1B

Operating cash flow minus SBC

$2.5B

Operating income

$1.1B

Revenue

$3.6B

Stock-based compensation

$56.2M

Metric	Value
Book value per share	$9.44
Debt / equity	6.42
Debt / FCF	12.4
Net cash (debt)	$24.7B
Net cash / market cap	311.8%
Net cash growth	73.01%
Net debt / equity	-5.15
Net debt / FCF	-9.94
Piotroski F-Score	6
Property, plant and equipment	$177M
Shareholders' equity	$4.8B
Tangible book value	$4.2B
Tangible book value per share	$8.32
Total assets	$78.8B
Total cash	$55.5B
Total debt	$30.8B
Total liabilities	$74B
WACC	2.03%

Metric

Value

Book value per share

$9.44

Debt / equity

6.42

Debt / FCF

12.4

Net cash (debt)

$24.7B

Net cash / market cap

311.8%

Net cash growth

73.01%

Net debt / equity

-5.15

Net debt / FCF

-9.94

Piotroski F-Score

Property, plant and equipment

$177M

Shareholders' equity

$4.8B

Tangible book value

$4.2B

Tangible book value per share

$8.32

Total assets

$78.8B

Total cash

$55.5B

Total debt

$30.8B

Total liabilities

$74B

WACC

2.03%

Metric	Value
Asset turnover	0.05
Current ratio	1.49
Quick ratio	1.45
Working capital	$21.2B
Working capital turnover	0.04

Metric

Value

Asset turnover

0.05

Current ratio

1.49

Quick ratio

1.45

Working capital

$21.2B

Working capital turnover

0.04

Metric	Value
Buyback yield / dilution	2.91%
Dividend growth	0%
Dividend growth years	0
Dividend payment date	2026-06-18
Dividend payment years	4
Dividend payout frequency	Annual
Dividend per share	$0.20
Dividend yield	1.24%
Ex-dividend date	2026-06-10
FCF payout ratio	7.36%
Last dividend	$0.20
Payout ratio	19.42%
Shareholder yield	4.19%

Metric

Value

Buyback yield / dilution

2.91%

Dividend growth

Dividend growth years

Dividend payment date

2026-06-18

Dividend payment years

Dividend payout frequency

Annual

Dividend per share

$0.20

Dividend yield

1.24%

Ex-dividend date

2026-06-10

FCF payout ratio

7.36%

Last dividend

$0.20

Payout ratio

19.42%

Shareholder yield

4.19%

Metric	Value
150-day SMA	$19.08
1D price change	0.78%
1M price change	-21.84%
1M total return	-21.84%
1W price change	-48.85%
1W total return	-48.85%
1Y price change	-9.08%
1Y return CAGR	-6.98%
1Y total return	-6.97%
20-day SMA	$27.29
200-day SMA	$19.24
3M price change	-4.24%
3M total return	-4.24%
3Y price change	-21%
3Y return CAGR	-4.28%
3Y total return	-12.31%
50-day SMA	$22.46
50-day SMA vs 200-day SMA	50over200
52-week high	$32.73
52-week high date	2026-10-12
52-week low	$13.78
52-week low date	2026-10-26
5Y price change	-52.4%
5Y return CAGR	-11.57%
5Y total return	-45.91%
6M price change	-18.13%
6M total return	-17.07%
All-time high	$53.08
All-time high date	2021-09-02
All-time low	$10.30
All-time low date	2023-03-15
Average true range (ATR)	$2.25
Average volume	22.1M
Beta (1Y)	1.66
Beta (2Y)	1.25
Beta (5Y)	1.03
Change from 52-week high	-50.86%
Change from 52-week low	16.73%
Change from all-time high	-69.8%
Change from all-time low	55.63%
Change from open	3.37%
Day's gap	-2.51%
Dollar volume	$490.7M
High price	$16.18
Low price	$15.50
Monthly RSI	45.47
Open price	$15.56
Position in 52-week range	86.03%
Premarket change	-2.88%
Premarket close	$15.96
Premarket price	$15.50
Premarket volume	354.4K
Previous close	$15.96
Price vs 150-day SMA	-15.97%
Price vs 20-day SMA	-41.25%
Price vs 200-day SMA	-16.7%
Price vs 50-day SMA	-28.64%
Relative volume	1.38
Return from IPO open	-52.37%
Return from IPO price	-42.22%
RSI	29.75
Sharpe ratio	0.29
Sharpe ratio (3Y)	0.12
Sharpe ratio (5Y)	-0.02
Sortino ratio	0.44
Sortino ratio (3Y)	0.25
Sortino ratio (5Y)	0.08
Volume	30.5M
Weekly RSI	43.13
YTD price change	-2.08%
YTD total return	-0.81%

Metric

Value

150-day SMA

$19.08

1D price change

0.78%

1M price change

-21.84%

1M total return

-21.84%

1W price change

-48.85%

1W total return

-48.85%

1Y price change

-9.08%

1Y return CAGR

-6.98%

1Y total return

-6.97%

20-day SMA

$27.29

200-day SMA

$19.24

3M price change

-4.24%

3M total return

-4.24%

3Y price change

-21%

3Y return CAGR

-4.28%

3Y total return

-12.31%

50-day SMA

$22.46

50-day SMA vs 200-day SMA

50over200

52-week high

$32.73

52-week high date

2026-10-12

52-week low

$13.78

52-week low date

2026-10-26

5Y price change

-52.4%

5Y return CAGR

-11.57%

5Y total return

-45.91%

6M price change

-18.13%

6M total return

-17.07%

All-time high

$53.08

All-time high date

2021-09-02

All-time low

$10.30

All-time low date

2023-03-15

Average true range (ATR)

$2.25

Average volume

22.1M

Beta (1Y)

1.66

Beta (2Y)

1.25

Beta (5Y)

1.03

Change from 52-week high

-50.86%

Change from 52-week low

16.73%

Change from all-time high

-69.8%

Change from all-time low

55.63%

Change from open

3.37%

Day's gap

-2.51%

Dollar volume

$490.7M

High price

$16.18

Low price

$15.50

Monthly RSI

45.47

Open price

$15.56

Position in 52-week range

86.03%

Premarket change

-2.88%

Premarket close

$15.96

Premarket price

$15.50

Premarket volume

354.4K

Previous close

$15.96

Price vs 150-day SMA

-15.97%

Price vs 20-day SMA

-41.25%

Price vs 200-day SMA

-16.7%

Price vs 50-day SMA

-28.64%

Relative volume

1.38

Return from IPO open

-52.37%

Return from IPO price

-42.22%

RSI

29.75

Sharpe ratio

0.29

Sharpe ratio (3Y)

0.12

Sharpe ratio (5Y)

-0.02

Sortino ratio

0.44

Sortino ratio (3Y)

0.25

Sortino ratio (5Y)

0.08

Volume

30.5M

Weekly RSI

43.13

YTD price change

-2.08%

YTD total return

-0.81%

Metric	Value
Float	403.2M
Float percentage	79.44%
Shares change (QoQ)	-0.91%
Shares change (YoY)	-2.91%
Shares held by insiders	0.31%
Shares held by institutions	71.37%
Shares outstanding	507.5M
Short % of shares	4.53%
Short ratio	2.3 days

Metric

Value

Float

403.2M

Float percentage

79.44%

Shares change (QoQ)

-0.91%

Shares change (YoY)

-2.91%

Shares held by insiders

0.31%

Shares held by institutions

71.37%

Shares outstanding

507.5M

Short % of shares

4.53%

Short ratio

2.3 days

Metric	Value
Page views	345

Metric

Value

Page views

345

XP Inc. (XP)

Price

Financial snapshot

Fair-value bridge

Latest news · XP

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All XP indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Other indicators

Deeper analysis on XP

Frequently asked questions