Financials / Capital MarketsUpdated 2026-05-10 22:07 UTC

XP stock hub

XP Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

9.9B

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

In the news

Latest news · XP

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E8.6

P25 8.8P50 10.4P75 13.1

Trailing P/E10.9

P25 10.9P50 14.7P75 36.2

ROE23.7

P25 4.9P50 10.4P75 15

ROIC2.7

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All XP market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

239

Groups with data

Currency

BRL

Showing 239 of 239 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001787425
Company name	XP Inc.
Country	Cayman Islands
Country code	US
Cusip	G98239109
Employees	8,069
Employees Change	627%
Employees Change Percent	8.43
Enterprise value	$-11.6B
Exchange	NASDAQ
Financial currency	BRL
First seen	2026-05-09
Industry	Capital Markets
IPO Date	2019-12-11
Isin	KYG982391099
Last refreshed	2026-05-10
Market cap	$9.9B
Market cap category	Mid-Cap
Price	$19.17
Price currency	USD
Rev Per Employee	399,900.46x
Sector	Financials
Sic	6211
Symbol	XP
Website	https://www.xpinc.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	9.5%
FCF yield	24.37%
Forward P/E	8.65x
P/B ratio	2.33x
P/E ratio	10.86x
P/S ratio	3.06x
PE Ratio10 Y	27.95x
PE Ratio3 Y	12.63x
PE Ratio5 Y	18.56x
PEG ratio	0.55x
PS Forward	0.46x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	74.64%
Gross margin	69.26%
Gross Profit	$2.2B
Net Income	$938.6M
Net Income Growth	14.54%
Net Income Growth Q	9.79%
Net Income Growth Quarters	11%
Net Income Growth Years	3%
Net Income Growth3 Y	13.04%
Net Income Growth5 Y	20.01%
Pretax Margin	30.66%
Profit Margin	29.09%
Profit Per Employee	$116,321
Profitable Years	10
ROA	1.39
Roa5y	1.98
ROE	23.72
Roe5y	23.82
ROIC	2.72
Roic5y	3.86

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	22.26%
Cagr3y	12.99%
Cagr5y	-13.64%
EPS Growth	18.07
EPS Growth Q	14.05
EPS Growth Quarters	12
EPS Growth Years	3
EPS Growth3 Y	15.88
EPS Growth5 Y	21.22
FCF Growth	7.26%
FCF Growth3 Y	88.78%
FCF Growth5 Y	54.02%
OCF Growth	7.75%
OCF Growth3 Y	88.31%
OCF Growth5 Y	51.47%
Revenue Growth	9.37x
Revenue Growth Q	13.28x
Revenue Growth Quarters	12x
Revenue Growth Years	9x
Revenue Growth3 Y	11.14x
Revenue Growth5 Y	17.02x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	$0.05
Assets	$72B
Cash	$48.4B
Debt	$27B
Debt Equity	$6.31
Debt FCF	$11.2
Equity	$4.3B
Liabilities	$67.7B
Net Cash	$21.4B
Net Cash By Market Cap	$217
Net Cash Growth	84.56%
Net Debt Equity	$-5.01
Net Debt FCF	$-8.9
Tangible Book Value	$3.8B
Tangible Book Value Per Share	$7.27
WACC	2.89

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	1.34
Quick ratio	1.31
Working Capital	$14.3B
Working Capital Turnover	$0.05

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	2.99%
Dividend Growth	-72.31%
Dividend Growth Years	0%
Dividend per share	$0.18
Dividend Years	3
Dividend Yield	0.94%
Ex Div Date	2025-12-10
Last Dividend	$0.18
Payout Frequency	Annual
Payout Ratio	10.2%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	22.24%
200-day SMA	18.45
3Y total return	44.24%
50-day SMA	19.49
50-day SMA vs 200-day SMA	50over200
5Y total return	-51.97%
All Time High	53.08
All Time High Change	-63.88%
All Time High Date	2021-09-02
All Time Low	10.3
All Time Low Change	86.12%
All Time Low Date	2023-03-15
ATR	0.79
Beta	1.19
Beta1y	1.54
Beta2y	1.22
Ch YTD	17.1
High	19.36
High52	23.13
High52 Date	2026-02-20
High52ch	-17.12%
Low	18.96
Low52	15.61
Low52 Date	2025-10-14
Low52ch	22.81%
Ma50ch	-1.63%
Premarket Change Percent	1.97
Premarket Price	$19.16
Premarket Volume	2,343
Price vs 200-day SMA	3.93%
RSI	47.86
RSI Monthly	50.45
RSI Weekly	51.13
Sharpe ratio	0.58x
Sortino ratio	0.99
Total Return	3.93%
Tr YTD	17.1
Tr1m	2.9%
Tr1w	0.58%
Tr3m	-1.13%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	6
Analyst Ratings	Strong Buy
Earnings EPS Estimate	$0.48
Earnings EPS Estimate Growth	23.08
Earnings Revenue Estimate	952,600,000x
Earnings Revenue Estimate Growth	28.39x
Operating Income	$984.9M
Operating Income Growth	8.79
Operating Income Growth Q	18.57
Operating Income Growth3 Y	15.88
Operating Income Growth5 Y	16.59
Operating margin	30.52
Price target	$23.17
Price Target Change	$20.87

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	410,613,195%
Float Percent	79.64%
Net Borrowing	-515,107,240.2
Shares Insiders	0.49%
Shares Institutions	73.52%
Shares Out	515,596,125
Shares Qo Q	-2.76%
Shares Yo Y	-2.99%
Short Ratio	3.16
Short Shares	4.36

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$2.3B
Average Volume	4,021,040.45x
Bv Per Share	8.24
CAPEX	$-38M
Ch1m	2.9
Ch1w	0.58
Ch1y	21.02
Ch3m	-1.13
Ch3y	28.57
Ch5y	-57.19
Ch6m	3.01
Change	2.02%
Change From Open	0.52
Close	18.79
Days Gap	1.49
Dollar Volume	77,564,005.4
Earnings Date	2026-05-18
Earnings Time	amc
EPS	$1.76
F Score	6
FCF	$2.4B
FCF EV Yield	-20.85x
FCF Per Share	$4.67
Financing CF	-894,580,246
Fiscal Year End	December
Founded	2,001
Goodwill	390,978,999.6
Graham Number	18.08834
Graham Upside	-5.64
Income Tax	$50.7M
Investing CF	-129,986,383
Ipr	-29
Iprfo	-41.47
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-02-12
Last Report Date	2025-12-31
Last Split Type	Never
Last10k Filing Date	2026-04-29
Lynch Fair Value	$35.32
Lynch Upside	84.22
Ma150	18.67
Ma150ch	2.69%
Ma20	19.79
Ma20ch	-3.15%
Net CF	1,145,774,146
Next Earnings Date	2026-05-22
Open	19.07
Optionable	Yes
P FCF Ratio	4.1
P OCF Ratio	4.52
Payment Date	2025-12-18
Position In Range	52.5
Post Close	19.17
Postmarket Change Percent	1.15
Postmarket Price	$19.39
Ppne	163,633,144.8
Pre Close	18.79
Price Date	2026-05-08
Ptbv Ratio	2.62
Relative Volume	1.01x
Revenue	3,226,796,839x
SBC By Revenue	2.2x
Share Based Comp	71,112,382
Tax By Revenue	1.57x
Tax Rate	5.13%
Tr6m	4.05%
Volume	4,046,114

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

XP dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+0.9%

$0.18 annual per share

Payout ratio

+10.2%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

n/a

0 consecutive years of growth

Total shareholder yield

+3.9%

Next ex-dividend date: 2025-12-10

Performance

XP stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns XP?

Insider, institutional, and short-interest positioning.

Institutional ownership

+73.5%

Float: +79.6% of shares outstanding

Insider ownership

+0.5%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

XP momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

47.9

Neutral momentum band

Price vs 200-day MA

+3.9%

50/200-day relationship not available

Beta (5Y)

1.19

Moves roughly with the market

Sharpe ratio

0.58

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

XP vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Réduire
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Réduire
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Réduire

Questions

About XP

Hub-level FAQ points readers to the deeper analysis pages.

What is the current XP stock rating?

XP Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full XP analysis?

The full report lives at /stocks/XP/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for XP?

The latest report frames XP around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the XP page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.