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Stifel Financial Corporation (SF) vs XP Inc. (XP)

Stifel Financial Corporation and XP Inc. are both Capital Markets companies. Stifel Financial Corporation is the larger, with a market value of $10.8B against $7.6B — 1.4× the size. XP Inc. trades at the lower P/E: 7.7× against 11.8×. XP Inc. grew revenue faster over the last twelve months: 18.2% against 10.9%. XP Inc. has the higher net margin (27.8% vs 15.9%) and the higher return on invested capital (20.5% vs 0.00%). Both pay a dividend; XP Inc. yields more (2.56% vs 1.85%). Across the 21 metrics below, XP Inc. leads on 20 and Stifel Financial Corporation on 1.

Valuation

Metric SF XP Capital Markets median
P/E 11.76 7.69 14.35
P/S 1.84 2.11 2.07
P/B 2.05 1.55 1.36
Price to free cash flow 38.52 3.24 9.28
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.50% 13.01% (8.28%)
Free cash flow yield 2.60% 30.90% (1.12%)

Profitability

Metric SF XP Capital Markets median
Gross margin 98.99% 100.00% 68.15%
Operating margin 21.23% 33.63% 0.00%
Net margin 15.87% 27.84% (0.34%)
Free cash flow margin 0.00% 65.15% 0.00%
Return on equity 0.00% 22.76% 0.00%
Return on assets 0.00% 1.37% 0.00%
Return on invested capital 0.00% 20.52% 0.00%

Growth

Metric SF XP Capital Markets median
Revenue growth (TTM) 10.91% 18.17% 19.72%
EPS growth (last fiscal year) (6.08%) 13.73% 16.79%
Revenue growth, 5-year CAGR 8.07% 15.82% 17.41%
Net income growth, 5-year CAGR 6.30% 18.11% 0.00%

Health

Metric SF XP Capital Markets median
Debt to equity 0.29 0.07 0.07
Current ratio 0.88 4.80 1.51
Net debt to EBITDA (1.36) (1.52) (0.03)

Dividend

Metric SF XP Capital Markets median
Dividend yield 1.85% 2.56% 1.58%
Payout ratio 0.23 0.20 0.19

Size

Metric SF XP Capital Markets median
Market cap 10.78b 7.64b 527.01m

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