(XP) Xp - Overview
Exchange: NASDAQ •
Country: Cayman Islands •
Currency: USD •
Type: Common Stock •
ISIN: KYG982391099
Stock: Investments, Brokerage, Banking, Insurance, Education
Total Rating 36
Risk 36
Buy Signal -0.44
| Risk 5d forecast | |
|---|---|
| Volatility | 43.6% |
| Relative Tail Risk | -6.22% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.81 |
| Alpha | 2.60 |
| Character TTM | |
|---|---|
| Beta | 1.464 |
| Beta Downside | 1.333 |
| Drawdowns 3y | |
|---|---|
| Max DD | 56.64% |
| CAGR/Max DD | 0.48 |
EPS (Earnings per Share)
Revenue
Description: XP Xp March 05, 2026
XP Inc. (XP) is a Brazilian financial services company. It offers a broad range of investment products and services through its open platform, including brokerage, funds, and insurance.
XPs business model centers on an open architecture platform, common in the financial advisory sector, providing clients access to diverse investment options. The company also provides wealth management, banking products, and financial education.
To understand XPs market position and financial health, further research on ValueRay is recommended.
Headlines to watch out for
- Brazilian interest rate fluctuations impact investment product demand
- Competition intensifies for brokerage and wealth management clients
- Regulatory changes in Brazilian financial markets pose risks
- Credit card and loan growth boosts revenue diversification
- Economic stability in Brazil drives client asset accumulation
Piotroski VR‑10 (Strict, 0-10) 6.0
| 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 (74.94b) to EBITDA (6.30b): 11.90 < 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 6.67k% > 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 15, 2026, the stock is trading at USD 19.95 with a total of 6,474,341 shares traded.
Over the past week, the price has changed by -2.36%, over one month by -8.40%, over three months by +3.47% and over the past year by +32.35%.
Over the past week, the price has changed by -2.36%, over one month by -8.40%, over three months by +3.47% and over the past year by +32.35%.
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 | 23.9 | 19.6% |
| Analysts Target Price | 23.9 | 19.6% |
XP Fundamental Data Overview March 15, 2026
P/E Trailing = 10.0757
P/E Forward = 9.7847
P/S = 0.5424
P/B = 2.2665
Revenue TTM = 18.36b USD
EBIT TTM = 6.00b USD
EBITDA TTM = 6.30b USD
Long Term Debt = 3.37b USD (estimated: total debt 85.30b - short term 81.94b)
Short Term Debt = 81.94b USD (from shortTermDebt, last quarter)
Debt = 85.30b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 74.94b USD (from netDebt column, last quarter)
Enterprise Value = 84.59b USD (9.64b + Debt 85.30b - CCE 10.35b)
Interest Coverage Ratio = 9.74 (Ebit TTM 6.00b / Interest Expense TTM 615.8m)
EV/FCF = 7.23x (Enterprise Value 84.59b / FCF TTM 11.70b)
FCF Yield = 13.83% (FCF TTM 11.70b / Enterprise Value 84.59b)
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 = 0.21 (Enterprise Value 84.59b / Total Assets 396.53b)
Interest Expense / Debt = 0.16% (Interest Expense 132.4m / Debt 85.30b)
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 = 3.62 (Debt 85.30b / totalStockholderEquity, last quarter 23.55b)
Debt / EBITDA = 11.90 (Net Debt 74.94b / EBITDA 6.30b)
Debt / FCF = 6.41 (Net Debt 74.94b / 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 = 23.07% (EBIT 6.00b / Capital Employed (Equity 22.63b + L.T.Debt 3.37b))
RoIC = 5.52% (NOPAT 5.00b / Invested Capital 90.50b)
WACC = 1.26% (E(9.64b)/V(94.94b) * Re(11.31%) + D(85.30b)/V(94.94b) * Rd(0.16%) * (1-Tc(0.17)))
Discount Rate = 11.31% (= 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 = 80.90 (EV 108.64b - Net Debt 74.94b = Equity 33.69b / 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 = 1.4% (Discount Rate 11.3% - Earnings Yield 9.9%)
[Growth] Growth Spread = +11.9% (Analyst 13.3% - Implied 1.4%)
P/E Forward = 9.7847
P/S = 0.5424
P/B = 2.2665
Revenue TTM = 18.36b USD
EBIT TTM = 6.00b USD
EBITDA TTM = 6.30b USD
Long Term Debt = 3.37b USD (estimated: total debt 85.30b - short term 81.94b)
Short Term Debt = 81.94b USD (from shortTermDebt, last quarter)
Debt = 85.30b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 74.94b USD (from netDebt column, last quarter)
Enterprise Value = 84.59b USD (9.64b + Debt 85.30b - CCE 10.35b)
Interest Coverage Ratio = 9.74 (Ebit TTM 6.00b / Interest Expense TTM 615.8m)
EV/FCF = 7.23x (Enterprise Value 84.59b / FCF TTM 11.70b)
FCF Yield = 13.83% (FCF TTM 11.70b / Enterprise Value 84.59b)
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 = 0.21 (Enterprise Value 84.59b / Total Assets 396.53b)
Interest Expense / Debt = 0.16% (Interest Expense 132.4m / Debt 85.30b)
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 = 3.62 (Debt 85.30b / totalStockholderEquity, last quarter 23.55b)
Debt / EBITDA = 11.90 (Net Debt 74.94b / EBITDA 6.30b)
Debt / FCF = 6.41 (Net Debt 74.94b / 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 = 23.07% (EBIT 6.00b / Capital Employed (Equity 22.63b + L.T.Debt 3.37b))
RoIC = 5.52% (NOPAT 5.00b / Invested Capital 90.50b)
WACC = 1.26% (E(9.64b)/V(94.94b) * Re(11.31%) + D(85.30b)/V(94.94b) * Rd(0.16%) * (1-Tc(0.17)))
Discount Rate = 11.31% (= 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 = 80.90 (EV 108.64b - Net Debt 74.94b = Equity 33.69b / 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 = 1.4% (Discount Rate 11.3% - Earnings Yield 9.9%)
[Growth] Growth Spread = +11.9% (Analyst 13.3% - Implied 1.4%)