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.

Financial snapshot

Revenue (ttm): 3.6B
Net income (ttm): 1B
EPS (ttm): $1.96
P/E (trailing): 8.2x
P/E (forward): 7.3x
Market cap: 8.2B

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%	强力买入
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	强力买入
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	持有

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E7.3

P25 n/aP50 n/aP75 n/a

Trailing P/E8.2

P25 n/aP50 n/aP75 n/a

ROE22.6

P25 n/aP50 n/aP75 n/a

ROIC2.8

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All XP indicators

Market & fundamental data

Available fields

245

Groups with data

Currency

BRL

Showing 245 of 245 available metrics for this ticker.

Profile and market data

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

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

Valuation

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

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

Profitability

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

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%

Growth

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

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

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

Financial strength

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

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%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

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

Dividends and buybacks

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

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%

Performance and technicals

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

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%

Ownership and float

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

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

Other indicators

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

Metric	Value
Page views	345

Deeper analysis on XP

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Scorecard

Frequently asked questions

About this XP report

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)

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