(XP) Xp - Overview
Exchange: NASDAQ •
Country: Cayman Islands •
Currency: USD •
Type: Common Stock •
ISIN: KYG982391099
Stock: Brokerage, Investment, Funds, Loans, Insurance
Total Rating 45
Risk 62
Buy Signal -0.16
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.01% |
| Yield on Cost 5y | 0.41% |
| Yield CAGR 5y | -62.93% |
| Payout Consistency | 69.0% |
| Payout Ratio | 2.5% |
| Risk 5d forecast | |
|---|---|
| Volatility | 44.8% |
| Relative Tail Risk | -6.32% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.90 |
| Alpha | 27.34 |
| Character TTM | |
|---|---|
| Beta | 0.776 |
| Beta Downside | 0.536 |
| Drawdowns 3y | |
|---|---|
| Max DD | 56.64% |
| CAGR/Max DD | 0.21 |
Description: XP Xp January 03, 2026
XP Inc. (NASDAQ: XP) is a Cayman-registered financial services platform that operates in Brazil, offering a broad suite of products-including brokerage, fixed-income, mutual and hedge funds, derivatives, credit cards, loans, insurance, real-estate funds, and wealth-management services-through an omni-channel network of online portals and physical branches.
Beyond retail brokerage, XP provides institutional services such as inter-dealer brokerage, issuer support, and commercial banking solutions (FX, deposits, and loan syndications), and it monetizes financial education via online and in-person courses.
Key recent metrics: FY 2023 revenue of roughly $1.4 billion, net income of $500 million, and assets under management (AUM) exceeding $150 billion, reflecting a 25 % YoY growth in the high-net-worth segment.
Sector drivers that shape XP’s outlook include Brazil’s expanding middle class, which fuels retail investing, and the country’s historically high interest rates that boost demand for fixed-income and credit products; however, macro volatility and regulatory changes remain material risks.
For a deeper quantitative view, you might explore XP’s metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income: 5.05b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 3.31 > 1.0 |
| NWC/Revenue: -205.3% < 20% (prev -62.02%; Δ -143.2% < -1%) |
| CFO/TA 0.05 > 3% & CFO 18.25b > Net Income 5.05b |
| Net Debt (60.09b) to EBITDA (4.56b): 13.18 < 3 |
| Current Ratio: 0.82 > 1.5 & < 3 |
| Outstanding Shares: last quarter (534.9m) vs 12m ago -2.02% < -2% |
| Gross Margin: 69.49% > 18% (prev 0.67%; Δ 6882 % > 0.5%) |
| Asset Turnover: 4.90% > 50% (prev 5.47%; Δ -0.57% > 0%) |
| Interest Coverage Ratio: 6.46 > 6 (EBITDA TTM 4.56b / Interest Expense TTM 690.8m) |
Altman Z'' -0.42
| A: -0.09 (Total Current Assets 164.85b - Total Current Liabilities 200.84b) / Total Assets 399.48b |
| B: 0.01 (Retained Earnings 3.87b / Total Assets 399.48b) |
| C: 0.01 (EBIT TTM 4.46b / Avg Total Assets 357.94b) |
| D: 0.05 (Book Value of Equity 19.17b / Total Liabilities 375.81b) |
| Altman-Z'' Score: -0.42 = B |
Beneish M -2.87
| DSRI: 1.22 (Receivables 35.78b/28.99b, Revenue 17.54b/17.29b) |
| GMI: 0.96 (GM 69.49% / 67.03%) |
| AQI: 1.05 (AQ_t 0.59 / AQ_t-1 0.56) |
| SGI: 1.01 (Revenue 17.54b / 17.29b) |
| TATA: -0.03 (NI 5.05b - CFO 18.25b) / TA 399.48b) |
| Beneish M-Score: -2.87 (Cap -4..+1) = A |
What is the price of XP shares?
As of February 08, 2026, the stock is trading at USD 19.39 with a total of 4,474,819 shares traded.
Over the past week, the price has changed by -0.62%, over one month by +13.72%, over three months by +5.07% and over the past year by +38.41%.
Over the past week, the price has changed by -0.62%, over one month by +13.72%, over three months by +5.07% and over the past year by +38.41%.
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 | 23.3% |
| Analysts Target Price | 23.9 | 23.3% |
| ValueRay Target Price | 19.2 | -1.1% |
XP Fundamental Data Overview February 02, 2026
Market Cap BRL = 53.04b (10.12b USD * 5.2395 USD.BRL)
P/E Trailing = 10.779
P/E Forward = 9.9502
P/S = 0.5882
P/B = 2.2238
Revenue TTM = 17.54b BRL
EBIT TTM = 4.46b BRL
EBITDA TTM = 4.56b BRL
Long Term Debt = 33.29b BRL (from longTermDebt, last fiscal year)
Short Term Debt = 72.51b BRL (from shortTermDebt, last quarter)
Debt = 72.51b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 60.09b BRL (from netDebt column, last quarter)
Enterprise Value = 46.73b BRL (53.04b + Debt 72.51b - CCE 78.81b)
Interest Coverage Ratio = 6.46 (Ebit TTM 4.46b / Interest Expense TTM 690.8m)
EV/FCF = 2.61x (Enterprise Value 46.73b / FCF TTM 17.93b)
FCF Yield = 38.38% (FCF TTM 17.93b / Enterprise Value 46.73b)
FCF Margin = 102.3% (FCF TTM 17.93b / Revenue TTM 17.54b)
Net Margin = 28.82% (Net Income TTM 5.05b / Revenue TTM 17.54b)
Gross Margin = 69.49% ((Revenue TTM 17.54b - Cost of Revenue TTM 5.35b) / Revenue TTM)
Gross Margin QoQ = 66.83% (prev 67.47%)
Tobins Q-Ratio = 0.12 (Enterprise Value 46.73b / Total Assets 399.48b)
Interest Expense / Debt = 0.20% (Interest Expense 142.0m / Debt 72.51b)
Taxrate = 0.04% (495.0k / 1.33b)
NOPAT = 4.46b (EBIT 4.46b * (1 - 0.04%))
Current Ratio = 0.82 (Total Current Assets 164.85b / Total Current Liabilities 200.84b)
Debt / Equity = 3.06 (Debt 72.51b / totalStockholderEquity, last quarter 23.66b)
Debt / EBITDA = 13.18 (Net Debt 60.09b / EBITDA 4.56b)
Debt / FCF = 3.35 (Net Debt 60.09b / FCF TTM 17.93b)
Total Stockholder Equity = 21.75b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.41% (Net Income 5.05b / Total Assets 399.48b)
RoE = 23.23% (Net Income TTM 5.05b / Total Stockholder Equity 21.75b)
RoCE = 8.11% (EBIT 4.46b / Capital Employed (Equity 21.75b + L.T.Debt 33.29b))
RoIC = 4.39% (NOPAT 4.46b / Invested Capital 101.67b)
WACC = 3.82% (E(53.04b)/V(125.54b) * Re(8.77%) + D(72.51b)/V(125.54b) * Rd(0.20%) * (1-Tc(0.00)))
Discount Rate = 8.77% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.97%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈12.25b ; Y1≈8.04b ; Y5≈3.67b
Fair Price DCF = 136.7 (EV 116.90b - Net Debt 60.09b = Equity 56.81b / Shares 415.5m; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: -18.49 | EPS CAGR: -45.02% | SUE: -4.0 | # QB: 0
Revenue Correlation: 65.95 | Revenue CAGR: 37.11% | SUE: -0.01 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.40 | Chg30d=-0.040 | Revisions Net=-2 | Analysts=2
EPS next Year (2026-12-31): EPS=10.58 | Chg30d=-0.033 | Revisions Net=+3 | Growth EPS=+9.1% | Growth Revenue=+13.2%
P/E Trailing = 10.779
P/E Forward = 9.9502
P/S = 0.5882
P/B = 2.2238
Revenue TTM = 17.54b BRL
EBIT TTM = 4.46b BRL
EBITDA TTM = 4.56b BRL
Long Term Debt = 33.29b BRL (from longTermDebt, last fiscal year)
Short Term Debt = 72.51b BRL (from shortTermDebt, last quarter)
Debt = 72.51b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 60.09b BRL (from netDebt column, last quarter)
Enterprise Value = 46.73b BRL (53.04b + Debt 72.51b - CCE 78.81b)
Interest Coverage Ratio = 6.46 (Ebit TTM 4.46b / Interest Expense TTM 690.8m)
EV/FCF = 2.61x (Enterprise Value 46.73b / FCF TTM 17.93b)
FCF Yield = 38.38% (FCF TTM 17.93b / Enterprise Value 46.73b)
FCF Margin = 102.3% (FCF TTM 17.93b / Revenue TTM 17.54b)
Net Margin = 28.82% (Net Income TTM 5.05b / Revenue TTM 17.54b)
Gross Margin = 69.49% ((Revenue TTM 17.54b - Cost of Revenue TTM 5.35b) / Revenue TTM)
Gross Margin QoQ = 66.83% (prev 67.47%)
Tobins Q-Ratio = 0.12 (Enterprise Value 46.73b / Total Assets 399.48b)
Interest Expense / Debt = 0.20% (Interest Expense 142.0m / Debt 72.51b)
Taxrate = 0.04% (495.0k / 1.33b)
NOPAT = 4.46b (EBIT 4.46b * (1 - 0.04%))
Current Ratio = 0.82 (Total Current Assets 164.85b / Total Current Liabilities 200.84b)
Debt / Equity = 3.06 (Debt 72.51b / totalStockholderEquity, last quarter 23.66b)
Debt / EBITDA = 13.18 (Net Debt 60.09b / EBITDA 4.56b)
Debt / FCF = 3.35 (Net Debt 60.09b / FCF TTM 17.93b)
Total Stockholder Equity = 21.75b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.41% (Net Income 5.05b / Total Assets 399.48b)
RoE = 23.23% (Net Income TTM 5.05b / Total Stockholder Equity 21.75b)
RoCE = 8.11% (EBIT 4.46b / Capital Employed (Equity 21.75b + L.T.Debt 33.29b))
RoIC = 4.39% (NOPAT 4.46b / Invested Capital 101.67b)
WACC = 3.82% (E(53.04b)/V(125.54b) * Re(8.77%) + D(72.51b)/V(125.54b) * Rd(0.20%) * (1-Tc(0.00)))
Discount Rate = 8.77% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.97%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈12.25b ; Y1≈8.04b ; Y5≈3.67b
Fair Price DCF = 136.7 (EV 116.90b - Net Debt 60.09b = Equity 56.81b / Shares 415.5m; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: -18.49 | EPS CAGR: -45.02% | SUE: -4.0 | # QB: 0
Revenue Correlation: 65.95 | Revenue CAGR: 37.11% | SUE: -0.01 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.40 | Chg30d=-0.040 | Revisions Net=-2 | Analysts=2
EPS next Year (2026-12-31): EPS=10.58 | Chg30d=-0.033 | Revisions Net=+3 | Growth EPS=+9.1% | Growth Revenue=+13.2%