(XP) Xp - Overview
Exchange: NASDAQ •
Country: Cayman Islands •
Currency: USD •
Type: Common Stock •
ISIN: KYG982391099
Stock:
Total Rating 45
Risk 27
Buy Signal -0.74
| Risk 5d forecast | |
|---|---|
| Volatility | 48.2% |
| Relative Tail Risk | -6.82% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.00 |
| Alpha | 26.52 |
| Character TTM | |
|---|---|
| Beta | 1.205 |
| Beta Downside | 1.285 |
| Drawdowns 3y | |
|---|---|
| Max DD | 56.64% |
| CAGR/Max DD | 0.43 |
EPS (Earnings per Share)
Revenue
Description: XP Xp
XP Inc. provides financial products and services in Brazil. The company operates XP Platform, an open product platform that provides clients to access investment products in the market comprising brokerage securities, fixed income securities, mutual, hedge, and private equity funds; derivatives and synthetic instruments; credit cards; loan operations/collateralized credit products; pension and social security funds, and life and travel insurance products; and other investment products comprising real estate funds, and equity and debt capital markets solutions, as well as wealth management services. It offers brokerage and issuer services to institutional and corporate clients. The company also manages mutual funds focused on stocks and macro strategies distributed to retail and to institutional clients; funds and managed portfolios for high-net-worth retail clients, and proprietary treasury funds; and passive mutual funds that track market indexes, and mutual and investment funds focused on fixed income, credit, real estate, infrastructure, and other alternative strategies. In addition, it offers securities brokerage services for institutional and retail investors; interdealer brokerage services for institutional traders; and commercial and investment banking products, such as loan operations and transactions in the foreign exchange markets and deposits, as well as develops and sells financial education courses and events online and in person to retail clients. The company offers its sell products and services through its omni-channel distribution network and online portals. XP Inc. was founded in 2001 and is based in Grand Cayman, Cayman Islands.
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income: 5.10b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -0.19 > 1.0 |
| NWC/Revenue: -194.2% < 20% (prev 23.24%; Δ -217.5% < -1%) |
| CFO/TA 0.03 > 3% & CFO 12.04b > Net Income 5.10b |
| Net Debt (10.61b) to EBITDA (6.30b): 1.68 < 3 |
| Current Ratio: 0.56 > 1.5 & < 3 |
| Outstanding Shares: last quarter (520.2m) vs 12m ago -3.74% < -2% |
| Gross Margin: 67.35% > 18% (prev 0.69%; Δ 6666 % > 0.5%) |
| Asset Turnover: 4.93% > 50% (prev 5.02%; Δ -0.09% > 0%) |
| Interest Coverage Ratio: 9.74 > 6 (EBITDA TTM 6.30b / Interest Expense TTM 615.8m) |
Altman Z'' -0.44
| A: -0.09 (Total Current Assets 46.28b - Total Current Liabilities 81.94b) / Total Assets 396.53b |
| B: 0.01 (Retained Earnings 3.87b / Total Assets 396.53b) |
| C: 0.02 (EBIT TTM 6.00b / Avg Total Assets 371.99b) |
| D: 0.01 (Book Value of Equity 3.98b / Total Liabilities 372.98b) |
| Altman-Z'' Score: -0.44 = B |
Beneish M 1.00
| DSRI: 49.86 (Receivables 35.93b/684.8m, Revenue 18.36b/17.44b) |
| GMI: 1.02 (GM 67.35% / 68.96%) |
| AQI: 0.90 (AQ_t 0.88 / AQ_t-1 0.98) |
| SGI: 1.05 (Revenue 18.36b / 17.44b) |
| TATA: -0.02 (NI 5.10b - CFO 12.04b) / TA 396.53b) |
| Beneish M-Score: 37.17 (Cap -4..+1) = D |
What is the price of XP shares?
As of March 04, 2026, the stock is trading at USD 20.28 with a total of 7,636,673 shares traded.
Over the past week, the price has changed by -9.67%, over one month by +2.22%, over three months by +6.52% and over the past year by +46.21%.
Over the past week, the price has changed by -9.67%, over one month by +2.22%, over three months by +6.52% and over the past year by +46.21%.
Is XP a buy, sell or hold?
Xp has received a consensus analysts rating of 4.25.
Therefore, it is recommended to buy XP.
- StrongBuy: 5
- Buy: 5
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the XP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 24.3 | 19.9% |
| Analysts Target Price | 24.3 | 19.9% |
XP Fundamental Data Overview March 04, 2026
P/E Trailing = 11.4868
P/E Forward = 10.6952
P/S = 0.6317
P/B = 2.4256
Revenue TTM = 18.36b USD
EBIT TTM = 6.00b USD
EBITDA TTM = 6.30b USD
Long Term Debt = unknown (0.0)
Short Term Debt = 81.94b USD (from shortTermDebt, last quarter)
Debt = 20.96b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 10.61b USD (from netDebt column, last quarter)
Enterprise Value = 21.84b USD (11.23b + Debt 20.96b - CCE 10.35b)
Interest Coverage Ratio = 9.74 (Ebit TTM 6.00b / Interest Expense TTM 615.8m)
EV/FCF = 1.87x (Enterprise Value 21.84b / FCF TTM 11.70b)
FCF Yield = 53.57% (FCF TTM 11.70b / Enterprise Value 21.84b)
FCF Margin = 63.74% (FCF TTM 11.70b / Revenue TTM 18.36b)
Net Margin = 27.78% (Net Income TTM 5.10b / Revenue TTM 18.36b)
Gross Margin = 67.35% ((Revenue TTM 18.36b - Cost of Revenue TTM 5.99b) / Revenue TTM)
Gross Margin QoQ = 67.41% (prev 67.12%)
Tobins Q-Ratio = 0.06 (Enterprise Value 21.84b / Total Assets 396.53b)
Interest Expense / Debt = 0.63% (Interest Expense 132.4m / Debt 20.96b)
Taxrate = 16.63% (259.5m / 1.56b)
NOPAT = 5.00b (EBIT 6.00b * (1 - 16.63%))
Current Ratio = 0.56 (Total Current Assets 46.28b / Total Current Liabilities 81.94b)
Debt / Equity = 0.89 (Debt 20.96b / totalStockholderEquity, last quarter 23.55b)
Debt / EBITDA = 1.68 (Net Debt 10.61b / EBITDA 6.30b)
Debt / FCF = 0.91 (Net Debt 10.61b / FCF TTM 11.70b)
Total Stockholder Equity = 22.63b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.37% (Net Income 5.10b / Total Assets 396.53b)
RoE = 22.53% (Net Income TTM 5.10b / Total Stockholder Equity 22.63b)
RoCE = 26.50% (EBIT 6.00b / Capital Employed (Equity 22.63b + L.T.Debt 0.0))
RoIC = 5.52% (NOPAT 5.00b / Invested Capital 90.50b)
WACC = 3.95% (E(11.23b)/V(32.19b) * Re(10.35%) + D(20.96b)/V(32.19b) * Rd(0.63%) * (1-Tc(0.17)))
Discount Rate = 10.35% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.33%
[DCF] Terminal Value 80.82% ; FCFF base≈11.38b ; Y1≈7.47b ; Y5≈3.41b
[DCF] Fair Price = 235.4 (EV 108.64b - Net Debt 10.61b = Equity 98.03b / Shares 416.5m; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 20.92 | EPS CAGR: 11.36% | SUE: 0.07 | # QB: 0
Revenue Correlation: 59.47 | Revenue CAGR: 16.78% | SUE: -0.01 | # QB: 0
EPS next Quarter (2026-06-30): EPS=2.78 | Chg7d=+0.185 | Chg30d=+0.185 | Revisions Net=+2 | Analysts=1
EPS current Year (2026-12-31): EPS=11.07 | Chg7d=+0.055 | Chg30d=+0.492 | Revisions Net=+0 | Growth EPS=+12.9% | Growth Revenue=+12.6%
EPS next Year (2027-12-31): EPS=12.18 | Chg7d=+0.149 | Chg30d=+0.149 | Revisions Net=+1 | Growth EPS=+9.9% | Growth Revenue=+13.6%
[Analyst] Revisions Ratio: +1.00 (2 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.6% (Discount Rate 10.3% - Earnings Yield 8.7%)
[Growth] Growth Spread = +11.7% (Analyst 13.3% - Implied 1.6%)
P/E Forward = 10.6952
P/S = 0.6317
P/B = 2.4256
Revenue TTM = 18.36b USD
EBIT TTM = 6.00b USD
EBITDA TTM = 6.30b USD
Long Term Debt = unknown (0.0)
Short Term Debt = 81.94b USD (from shortTermDebt, last quarter)
Debt = 20.96b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 10.61b USD (from netDebt column, last quarter)
Enterprise Value = 21.84b USD (11.23b + Debt 20.96b - CCE 10.35b)
Interest Coverage Ratio = 9.74 (Ebit TTM 6.00b / Interest Expense TTM 615.8m)
EV/FCF = 1.87x (Enterprise Value 21.84b / FCF TTM 11.70b)
FCF Yield = 53.57% (FCF TTM 11.70b / Enterprise Value 21.84b)
FCF Margin = 63.74% (FCF TTM 11.70b / Revenue TTM 18.36b)
Net Margin = 27.78% (Net Income TTM 5.10b / Revenue TTM 18.36b)
Gross Margin = 67.35% ((Revenue TTM 18.36b - Cost of Revenue TTM 5.99b) / Revenue TTM)
Gross Margin QoQ = 67.41% (prev 67.12%)
Tobins Q-Ratio = 0.06 (Enterprise Value 21.84b / Total Assets 396.53b)
Interest Expense / Debt = 0.63% (Interest Expense 132.4m / Debt 20.96b)
Taxrate = 16.63% (259.5m / 1.56b)
NOPAT = 5.00b (EBIT 6.00b * (1 - 16.63%))
Current Ratio = 0.56 (Total Current Assets 46.28b / Total Current Liabilities 81.94b)
Debt / Equity = 0.89 (Debt 20.96b / totalStockholderEquity, last quarter 23.55b)
Debt / EBITDA = 1.68 (Net Debt 10.61b / EBITDA 6.30b)
Debt / FCF = 0.91 (Net Debt 10.61b / FCF TTM 11.70b)
Total Stockholder Equity = 22.63b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.37% (Net Income 5.10b / Total Assets 396.53b)
RoE = 22.53% (Net Income TTM 5.10b / Total Stockholder Equity 22.63b)
RoCE = 26.50% (EBIT 6.00b / Capital Employed (Equity 22.63b + L.T.Debt 0.0))
RoIC = 5.52% (NOPAT 5.00b / Invested Capital 90.50b)
WACC = 3.95% (E(11.23b)/V(32.19b) * Re(10.35%) + D(20.96b)/V(32.19b) * Rd(0.63%) * (1-Tc(0.17)))
Discount Rate = 10.35% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.33%
[DCF] Terminal Value 80.82% ; FCFF base≈11.38b ; Y1≈7.47b ; Y5≈3.41b
[DCF] Fair Price = 235.4 (EV 108.64b - Net Debt 10.61b = Equity 98.03b / Shares 416.5m; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 20.92 | EPS CAGR: 11.36% | SUE: 0.07 | # QB: 0
Revenue Correlation: 59.47 | Revenue CAGR: 16.78% | SUE: -0.01 | # QB: 0
EPS next Quarter (2026-06-30): EPS=2.78 | Chg7d=+0.185 | Chg30d=+0.185 | Revisions Net=+2 | Analysts=1
EPS current Year (2026-12-31): EPS=11.07 | Chg7d=+0.055 | Chg30d=+0.492 | Revisions Net=+0 | Growth EPS=+12.9% | Growth Revenue=+12.6%
EPS next Year (2027-12-31): EPS=12.18 | Chg7d=+0.149 | Chg30d=+0.149 | Revisions Net=+1 | Growth EPS=+9.9% | Growth Revenue=+13.6%
[Analyst] Revisions Ratio: +1.00 (2 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.6% (Discount Rate 10.3% - Earnings Yield 8.7%)
[Growth] Growth Spread = +11.7% (Analyst 13.3% - Implied 1.6%)