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XP Inc. XP

Financial — Capital Markets
Cash Flow Champion (3y)
Growth Flags show if company had growth for consecutive years

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Insider Decisions

Total sells
19.98
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — 1 1 1 1 1 17 3
Insider Ownership
24.77%

Capital & Financial Ratios

Market Cap
10,540.00
Revenue
3,614.56
Net Income
1,086.08
Free Cash Flow
2,355.01
Net Debt
(1,211.69)
Current Ratio
4.80
Debt/Equity
0.07
P/E ratio
10.37
P/S ratio
2.84
P/B ratio
2.09
Past 5Y EPS Growth
23.61%
This Y EPS Growth
7.93%
Next Y EPS Growth
13.68%
Next 5Y EPS Growth
10.88%
in millions of $

Dividends

Payout Ratio
0.00
Annual Dividend Rate
0.58
Annual Dividend Yield
3.47%
total individual payouts
2028 ‡‡‡‡‡
2027 ‡‡‡‡‡
2026 7.24
—
2025 5.50
—
2024 0.00
—
2023 1.32
—
—
2022 ‡‡‡
2021 ‡‡‡‡
2020 ‡‡‡‡
2019 ‡‡‡‡
2018 ‡‡‡‡
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 789.84 1,040.20 1,854.87 1,578.82
Receivables 185.56 228.32 324.04 342.80
Inventory — — — —
Other — — — —
1,860.38 2,077.46 2,906.67 2,795.13
2023 2024 2025 Q'26
Payables 189.93 141.55 145.10 159.83
ST’ Debt — — — —
Other 341.67 320.48 397.34 422.83
531.59 462.03 542.44 582.67
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow — ‡‡‡‡‡ ‡‡‡‡‡
Earnings — ‡‡‡‡‡ ‡‡‡‡‡
Book Value — ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 887.66 959.71 — —
—
’25 741.61 786.39 855.70 911.49
3,295.19
’24 818.27 808.41 778.68 752.16
3,157.52
’23 603.29 716.82 846.22 810.15
2,976.48
’22 597.43 696.77 690.76 600.43
2,585.39
’21 480.93 569.81 607.00 580.14
2,237.89
’20 391.90 358.25 390.95 440.31
1,581.41
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 890.49 (192.70) — —
—
’25 (449.61) 824.19 2,274.68 (492.03)
2,157.23
’24 (675.61) 1,187.12 815.33 745.74
2,072.58
’23 659.90 394.03 (235.06) 809.03
1,627.90
’22 211.12 (111.99) (44.15) 294.43
349.41
’21 65.98 (254.76) (770.73) 214.55
(744.97)
’20 (31.47) 104.59 77.01 142.95
293.08
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 846.46 (218.02) — —
—
’25 (462.02) 805.00 2,243.85 (517.28)
2,069.55
’24 (685.04) 1,172.89 796.76 728.60
2,013.21
’23 657.92 394.03 (286.21) 820.88
1,588.59
’22 208.52 (116.72) (46.20) 279.21
324.82
’21 40.73 (275.96) (784.41) 209.27
(810.38)
’20 (40.65) 99.42 69.20 108.56
236.52
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.47 0.53 — —
—
’25 0.39 0.43 0.45 0.46
1.74
’24 0.37 0.39 0.39 0.37
1.53
’23 0.28 0.37 0.40 0.38
1.45
’22 0.28 0.32 0.35 0.26
1.21
’21 0.23 0.31 0.31 0.31
1.16
’20 0.16 0.18 0.18 0.20
0.72

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡‡

Recommendation Rating

1.2
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — ‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 13.77 10.30 11.68 10.82 — — —
Low Price
— — — ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 36.36 27.71 26.78 20.64 — — —
High Price
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6,928 6,669 7,442 8,069 — — —
Employees
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.37 0.45 0.42 0.41 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,585.39 2,976.48 3,157.52 3,295.19 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ 100.00% 100.00% 100.00% 100.00% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 667.23 788.45 924.40 975.84 ‡‡‡‡‡ — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 25.81% 26.49% 29.28% 29.61% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 667.23 788.45 924.40 975.84 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 39.88 50.56 49.19 54.47 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.65 5.51 5.83 6.25 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 1.25 1.45 1.55 1.76 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.63 3.02 3.83 4.09 ‡‡‡‡ — —
Cash Flow/Sh
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.04) (0.07) (0.11) (0.17) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.58 2.94 3.72 3.92 — — —
Free CF/Sh
‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.94 7.22 6.86 8.00 ‡‡‡‡‡ — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 555.43 539.84 541.67 527.32 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 11.15 17.76 7.65 9.41 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.97 4.64 2.03 2.62 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.33 3.54 1.73 2.05 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.29 8.31 5.37 5.49 ‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 50.04 15.74 8.42 8.74 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 349.41 1,627.90 2,072.58 2,157.23 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (24.60) (39.30) (59.37) (87.68) ‡‡‡‡‡ — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 324.82 1,588.59 2,013.21 2,069.55 ‡‡‡‡‡ — —
FCF
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,279.09 1,328.79 1,615.43 2,364.23 — — —
Working Cap'
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9,265.42 440.54 308.96 42.61 — — —
Total Debt
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8,577.18 (349.30) (731.24) (1,812.27) — — —
Net Debt
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,301.08 3,896.00 3,716.76 4,217.40 — — —
Sh' Equity
‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.20% 1.79% 1.46% 1.37% ‡‡‡‡‡ — —
ROA
— ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.03% 17.09% 23.31% 29.56% — — —
ROIC
‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 23.22% 21.70% 21.98% 23.34% ‡‡‡‡‡ — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

XP Inc. has evolved from a scrappy Brazilian digital brokerage into a fintech powerhouse, capitalizing on Brazil’s digital boom amid economic turbulence and a 2021 Nasdaq IPO that peaked at $20 billion valuation. Despite stock volatility—from $53 highs in 2021 to $10-13 lows amid rate hikes and political shifts—fundamentals shine: revenue surged at 53% CAGR to $3.16 billion in 2024 with 100% gross margins, efficient scaling (revenue per employee ~$450K), and a shift to robust cash generation with free cash flow per share at $3.72.

The balance sheet is now a fortress—debt slashed 97% to near-zero, net cash position, ROIC at 23%, and ROE near 22%—yet the stock trades at bargain multiples like 7.6x PE and 2x PS, a stark discount to peers and history. Analysts forecast explosive growth: revenue leaping 480% to $18.3 billion in 2025, EPS rocketing 535% to $9.84, with price targets implying 410-615% upside.

Insider selling tempers enthusiasm, but XP’s tech-driven expansion into pensions, fixed income, and Latin America, backed by low capex and Brazil’s retail finance tailwinds, positions it for dominance—if execution holds amid FX risks and competition. This undervalued gem could rerate massively for patient investors.

Read full commentary →

XP Inc. (XP) Latest News

News by impact score

Fine-tune

24 Aug

4 , 11:01 PM
XP Inc. reported record client assets in Q2 2026 earnings call alongside strategic resilience. Record client assets indicate major positive shift in XP Inc. growth trajectory and investor outlook.

21 Aug

3 , 2:13 PM
XP stock may be 34% undervalued after reporting strong Q2 earnings. Strong Q2 results and noted undervaluation point to moderate shifts in financial perception and stock trajectory.

3 , 11:10 AM
XP Inc. posts strong earnings that trigger fresh analyst optimism, prompting questions on whether shares remain undervalued. Strong earnings and analyst optimism point to moderate influence on XP's financial performance and market sentiment.

20 Aug

4 , 9:11 PM
XP reports solid Q2 results and advances U.S. banking expansion plans, potentially shifting its core investment narrative. Solid Q2 performance paired with U.S. banking expansion constitutes major strategic moves that can significantly alter trajectory and investor sentiment.

19 Aug

3 , 8:50 PM
XP Inc. beat earnings estimates. Questions persist on whether U.S. banking operations drive growth or act as distraction. Earnings beat and U.S. banking debate may moderately shift XP's performance and investor outlook.

17 Aug

3 transcript www.marketbeat.com, 7:03 PM
XP Inc. presented Q2 financial results and operational highlights during its earnings call, covering revenue, growth metrics and strategic updates. Quarterly earnings details typically offer moderate insight into performance and outlook without indicating major strategic shifts.

3 , 5:15 PM
XP Inc. exceeded Q2 earnings estimates. Beating quarterly earnings estimates signals stronger financial performance and can lift near-term investor sentiment for XP Inc.

3 , 4:05 PM
XP Inc. reported its second quarter 2026 results. Quarterly results update financial performance and shape near-term investor sentiment.

19 May

4 GuruFocus.com, 1:00 AM
XP Inc posted strong Q1 2026 growth despite market challenges, as detailed in its earnings call highlights. Strong Q1 growth amid challenges signals major positive shifts in XP Inc's performance and investor outlook.

3 transcript app.moby.co, 8:39 PM
XP Inc. reported Q1 2026 results with revenue of R$4.2 billion, net income up 18% year-over-year, and raised full-year guidance on stronger client asset growth and margin expansion. Routine quarterly results and guidance update offer moderate short-term market signals without shifting long-term competitive position.

3 Simply Wall St., 3:06 PM
XP Inc. launches a R$1 billion share buyback that may signal a shift in capital allocation priorities. R$1 billion buyback can influence XP's shareholder returns and near-term stock sentiment.

3 MT Newswires, 5:44 AM
XP Inc. shares declined in pre-market trading after the company released its Q1 earnings and named a new CFO. Q1 earnings and a CFO change can move near-term sentiment and stock price but rarely alter long-term strategy or competitive position.

18 May

4 transcript www.fool.com, 6:24 PM
XP Inc. released its Q1 2026 earnings call transcript covering financial results, operational updates and forward guidance. Earnings transcripts deliver key metrics and outlook that can materially shift investor views and share price.

3 Zacks, 5:50 PM
XP Inc. (XP) posted Q1 earnings and revenues below analyst estimates. Q1 earnings and revenue misses typically pressure near-term stock performance and investor sentiment for XP Inc.

3 Business Wire, 4:16 PM
XP Inc. declared a cash dividend and launched a new share repurchase program to return capital to shareholders. Dividend and buyback announcements typically support shareholder returns and may lift near-term stock sentiment without altering core operations.

3 Business Wire, 4:15 PM
XP Inc. announced its financial results for the first quarter of 2026. Quarterly results disclosure updates key performance metrics that shape near-term stock valuation and sentiment.

14 May

3 Zacks, 12:00 PM
XP Inc. (XP) upgraded to Buy rating by analysts, signaling strong growth prospects and potential stock price appreciation amid favorable market conditions. Analyst upgrade to Buy expected to moderately boost investor sentiment and short-term stock performance without fundamentally altering long-term trajectory.

4 May

4 Simply Wall St., 4:10 AM
XP Inc. boosts earnings, increases cash returns, and attracts major institutional holders, potentially sparking positive investor reactions. Earnings boosts, enhanced cash returns, and major institutional inflows signal strong financial momentum likely to significantly lift stock performance and sentiment.

1 May

3 Zacks, 9:55 AM
Wall Street analysts forecast XP Inc. (XP) stock could surge 33.14%, urging investors to review details before betting. Analyst consensus targeting 33.14% upside signals moderate positive impact on investor sentiment and stock performance.

10 Apr

3 Zacks, 12:00 PM
XP Inc. (XP) qualifies as a strong momentum stock due to robust price performance, high trading volume, and favorable Zacks Rank, making it a compelling buy now. Momentum indicators and Zacks Rank highlight moderately positive short-to-medium term performance potential for XP.

4 Apr

3 Simply Wall St., 8:11 AM
XP Inc. event spotlights push into education sector while shares trade below valuation estimates. Education push signals moderate strategic expansion with potential sentiment boost amid undervalued shares.

19 Mar

4 Simply Wall St., 6:07 AM
XP Inc. (XP) is using global conferences to quietly recast its international expansion strategy. Recasting international expansion strategy represents a major strategic move likely to significantly impact XP's global growth and market performance.

25 Feb

4 Simply Wall St., 9:12 AM
XP Inc. (XP) shares surged 14.0% after filing a US$216 million shelf offering and reporting a 2025 earnings beat. Earnings beat and shelf filing triggered 14% stock rise, boosting investor confidence and enabling future capital raises for expansion.

24 Feb

3 Insider Monkey, 12:38 PM
XP Inc. (XP) stock has gained roughly 10% since FQ4 2025, highlighting key performance drivers and investor considerations. 10% post-FQ4 2025 stock gain signals moderately noticeable positive market sentiment tied to recent earnings but lacks broader transformative effects.

21 Feb

4 www.fool.com, 9:40 AM
XP Inc. (XP) stock could soar if two key factors align favorably. Two conditional catalysts could significantly alter XP's trajectory and investor sentiment.

13 Feb

4 transcript www.fool.com, 9:18 AM
XP Inc. reported its Q4 2025 earnings, showcasing significant growth in revenue and customer acquisition. The company highlighted its strategic initiatives aimed at enhancing digital offerings and expanding market reach. Management expressed optimism about future performance, citing strong demand for investment products and services. Key metrics indicated improved profitability and operational efficiency, positioning XP favorably in the competitive landscape. The earnings call also addressed challenges in the market environment and outlined plans to navigate these effectively. Significant growth in revenue and strategic initiatives indicate a strong potential for future performance.

4 transcript app.moby.co, 8:30 AM
XP Inc. reported its Q4 2025 earnings, showcasing a significant increase in revenue and net income compared to the previous year. The company highlighted strong growth in its client base and assets under management, driven by enhanced product offerings and market expansion. Management expressed optimism about future growth prospects, citing strategic initiatives aimed at improving operational efficiency and customer engagement. The earnings call also addressed challenges in the regulatory landscape and competitive pressures but emphasized the company's resilience and adaptability in navigating these issues. Significant revenue growth and strategic initiatives indicate a strong potential for future performance.

4 GuruFocus.com, 12:02 AM
XP Inc. reported strong financial performance in Q4 2025, overcoming various market challenges. The company's earnings exceeded expectations, driven by robust growth in client acquisition and asset management. Despite a volatile market environment, XP demonstrated resilience and strategic adaptability, positioning itself favorably for future growth. Management highlighted ongoing investments in technology and customer service enhancements as key drivers of success. Strong financial results and strategic adaptability indicate significant potential for future growth and market positioning.

3 Simply Wall St., 3:18 AM
XP Inc. has experienced a significant rebound in its share price over the past year, raising questions about its current valuation and future prospects. Analysts are evaluating whether the recent price increase reflects a genuine recovery or if it is merely a temporary spike. The company's performance metrics and market conditions are being scrutinized to determine if XP offers value to investors at this stage. The share price rebound indicates a moderately noticeable influence on investor sentiment and market positioning.

12 Feb

4 ZacksAssociated Press Finance, 6:05 PM
XP Inc. (XP) reported Q4 earnings and revenues that exceeded analysts' expectations, showcasing strong financial performance. The company highlighted growth in its client base and increased trading volumes, contributing to its positive results. XP's management expressed optimism about future growth prospects and strategic initiatives aimed at enhancing customer experience and expanding service offerings. Strong earnings performance and growth in client base indicate significant positive momentum for the company's future.
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