(XP) Xp - Ratings and Ratios
Brokerage, Funds, Cards, Loans, Insurance
XP EPS (Earnings per Share)
XP Revenue
Description: XP Xp
XP Inc. is a financial services company operating in Brazil, offering a wide range of investment products and services through its XP Platform, an open product platform. The companys diverse offerings include brokerage securities, fixed income securities, mutual funds, hedge funds, private equity funds, derivatives, credit cards, loan operations, pension funds, and insurance products. XP Inc. also provides wealth management services, brokerage and issuer services to institutional and corporate clients, and manages mutual funds focused on various strategies.
Key Performance Indicators (KPIs) that can be used to evaluate XP Inc.s performance include revenue growth, net income margin, return on equity (RoE), and assets under management (AUM). With a RoE of 22.91%, XP Inc. demonstrates a strong ability to generate profits from shareholder equity. The companys market capitalization of $10.43 billion indicates its significant size and market presence. Additionally, XP Inc.s P/E ratio of 12.45 and forward P/E of 11.67 suggest that the stock may be undervalued relative to its earnings growth potential.
XP Inc.s business model is diversified across various revenue streams, including brokerage commissions, investment management fees, and banking products. The companys omni-channel distribution network and online portals enable it to reach a wide client base, including retail and institutional investors. With its strong brand presence and extensive product offerings, XP Inc. is well-positioned to capitalize on the growing demand for financial services in Brazil.
To further evaluate XP Inc.s investment potential, it is essential to analyze its financial statements, management team, and industry trends. Key metrics to monitor include revenue growth, profit margins, and AUM growth, as well as the companys ability to expand its product offerings and maintain its competitive edge in the Brazilian financial services market.
XP Stock Overview
| Market Cap in USD | 8,444m |
| Sub-Industry | Investment Banking & Brokerage |
| IPO / Inception | 2019-12-11 |
XP Stock Ratings
| Growth Rating | 9.59% |
| Fundamental | 56.2% |
| Dividend Rating | 11.6% |
| Return 12m vs S&P 500 | -12.8% |
| Analyst Rating | 4.25 of 5 |
XP Dividends
| Dividend Yield 12m | 3.72% |
| Yield on Cost 5y | 1.65% |
| Annual Growth 5y | -50.38% |
| Payout Consistency | 83.2% |
| Payout Ratio | 7.1% |
XP Growth Ratios
| Growth Correlation 3m | 19.3% |
| Growth Correlation 12m | 61.3% |
| Growth Correlation 5y | -66.3% |
| CAGR 5y | 2.84% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.05 |
| CAGR/Mean DD 3y (Pain Ratio) | 0.12 |
| Sharpe Ratio 12m | -0.10 |
| Alpha | -16.95 |
| Beta | 1.108 |
| Volatility | 35.05% |
| Current Volume | 7165.5k |
| Average Volume 20d | 6946.3k |
| Stop Loss | 16.6 (-4.9%) |
| Signal | 0.68 |
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (4.92b TTM) > 0 and > 6% of Revenue (6% = 577.7m TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA 3.53pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -410.2% (prev -131.2%; Δ -279.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.03 (>3.0%) and CFO 10.63b > Net Income 4.92b (YES >=105%, WARN >=100%) |
| Net Debt (62.07b) to EBITDA (4.49b) ratio: 13.81 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.79 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (535.8m) change vs 12m ago -2.84% (target <= -2.0% for YES) |
| Gross Margin 43.74% (prev 40.70%; Δ 3.03pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.87% (prev 3.19%; Δ -0.32pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 5.89 (EBITDA TTM 4.49b / Interest Expense TTM 747.3m) >= 6 (WARN >= 3) |
Altman Z'' -0.53
| (A) -0.11 = (Total Current Assets 149.95b - Total Current Liabilities 189.44b) / Total Assets 373.85b |
| (B) 0.01 = Retained Earnings (Balance) 2.55b / Total Assets 373.85b |
| (C) 0.01 = EBIT TTM 4.40b / Avg Total Assets 335.50b |
| (D) 0.05 = Book Value of Equity 17.72b / Total Liabilities 351.58b |
| Total Rating: -0.53 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 56.23
| 1. Piotroski 5.50pt = 0.50 |
| 2. FCF Yield 23.89% = 5.0 |
| 3. FCF Margin data missing |
| 4. Debt/Equity 3.33 = -1.25 |
| 5. Debt/Ebitda 13.81 = -2.50 |
| 6. ROIC - WACC (= 0.62)% = 0.77 |
| 7. RoE 23.24% = 1.94 |
| 8. Rev. Trend 39.49% = 2.96 |
| 9. EPS Trend -23.78% = -1.19 |
What is the price of XP shares?
Over the past week, the price has changed by +9.33%, over one month by -10.37%, over three months by +2.95% and over the past year by +1.48%.
Is Xp a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of XP is around 16.41 USD . This means that XP is currently overvalued and has a potential downside of -6.01%.
Is XP a buy, sell or hold?
- Strong Buy: 5
- Buy: 5
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the XP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 23 | 31.9% |
| Analysts Target Price | 23 | 31.9% |
| ValueRay Target Price | 17.6 | 0.5% |
Last update: 2025-10-17 02:29
XP Fundamental Data Overview
P/E Trailing = 10.0182
P/E Forward = 8.5034
P/S = 0.5023
P/B = 2.2128
Beta = 1.108
Revenue TTM = 9.63b BRL
EBIT TTM = 4.40b BRL
EBITDA TTM = 4.49b BRL
Long Term Debt = 33.29b BRL (from longTermDebt, last fiscal year)
Short Term Debt = 74.16b BRL (from shortTermDebt, last quarter)
Debt = 74.16b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 62.07b BRL (from netDebt column, last quarter)
Enterprise Value = 43.35b BRL (45.63b + Debt 74.16b - CCE 76.45b)
Interest Coverage Ratio = 5.89 (Ebit TTM 4.40b / Interest Expense TTM 747.3m)
FCF Yield = 23.89% (FCF TTM 10.36b / Enterprise Value 43.35b)
FCF Margin = 107.6% (FCF TTM 10.36b / Revenue TTM 9.63b)
Net Margin = 51.11% (Net Income TTM 4.92b / Revenue TTM 9.63b)
Gross Margin = 43.74% ((Revenue TTM 9.63b - Cost of Revenue TTM 5.42b) / Revenue TTM)
Gross Margin QoQ = 20.56% (prev 22.20%)
Tobins Q-Ratio = 0.12 (Enterprise Value 43.35b / Total Assets 373.85b)
Interest Expense / Debt = 0.24% (Interest Expense 175.8m / Debt 74.16b)
Taxrate = -0.27% (negative due to tax credits) (-3.51m / 1.32b)
NOPAT = 4.41b (EBIT 4.40b * (1 - -0.27%)) [negative tax rate / tax credits]
Current Ratio = 0.79 (Total Current Assets 149.95b / Total Current Liabilities 189.44b)
Debt / Equity = 3.33 (Debt 74.16b / totalStockholderEquity, last quarter 22.26b)
Debt / EBITDA = 13.81 (Net Debt 62.07b / EBITDA 4.49b)
Debt / FCF = 5.99 (Net Debt 62.07b / FCF TTM 10.36b)
Total Stockholder Equity = 21.18b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.32% (Net Income 4.92b / Total Assets 373.85b)
RoE = 23.24% (Net Income TTM 4.92b / Total Stockholder Equity 21.18b)
RoCE = 8.08% (EBIT 4.40b / Capital Employed (Equity 21.18b + L.T.Debt 33.29b))
RoIC = 4.61% (NOPAT 4.41b / Invested Capital 95.75b)
WACC = 3.99% (E(45.63b)/V(119.79b) * Re(10.10%) + D(74.16b)/V(119.79b) * Rd(0.24%) * (1-Tc(-0.00)))
Discount Rate = 10.10% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.89%
[DCF Debug] Terminal Value 61.77% ; FCFE base≈10.36b ; Y1≈6.80b ; Y5≈3.11b
Fair Price DCF = 106.6 (DCF Value 45.14b / Shares Outstanding 423.4m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -23.78 | EPS CAGR: -54.53% | SUE: -4.0 | # QB: 0
Revenue Correlation: 39.49 | Revenue CAGR: 5.27% | SUE: -0.67 | # QB: 0
Additional Sources for XP Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle