XP XP Inc
$29.08
▼ 3.2%Updated Oct 16, 2:25 PM ET
Report Card
XP at a glance — five pillars scored 0–100 from real filed financials.
How the 0–100 rating is calculatedOverall: not rated yet. This stock's fundamentals ratios aren't loaded, so only the pillars its filings support are scored.
Key Metrics
Market Cap
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P/E
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Forward P/E (est.)
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ROE
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Revenue Growth
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EPS Growth
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Profit Margin
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FCF Yield
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Debt / Equity
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ROIC
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Interest Coverage
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Current Ratio
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Dividend Yield
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Implied Growth (rev. DCF)
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Rating Score
Not rated
Business Overview
XP Inc (XP) is a NASDAQ-listed company in the Financial Services industry, within the Financials sector.
In its latest reported year it generated about $1.48B in revenue and $902.68M in net profit.
Our model hasn't rated XP yet because its fundamentals ratios (P/E, margins, returns on capital, leverage) aren't loaded. Any financial history below comes straight from its SEC filings and refreshes automatically.
Revenue Growth
4Y CAGR
10.3%
Revenue moved from $410.91M in 2018 to $1.48B in 2024, a 23.9% compound annual growth rate. The most recent year was roughly steady year over year. Slower, mature growth is common for established businesses.
Profitability
Gross Margin
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Operating Margin
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Net Margin
60.8%
ROE
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Debt Analysis
Total Debt
$333.29M
Net Debt
-$2.25B
Net cash position
Net Debt / EBITDA
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Debt / Equity
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Leverage: debt-to-equity is n/a. Detailed balance-sheet leverage is limited for this name. It carries roughly $333.29M of total debt against $2.58B of cash.
Cash Flow Analysis
Operating CF
$2.24B
Free Cash Flow
$2.21B
FCF Margin
148.6%
In the latest year XP Inc produced about $2.24B of operating cash flow and $2.21B of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Dividend Safety
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
What to look for in a dividend stockThe dividend is being paid, but coverage or consistency is thinner than an income investor should rely on without a closer look.
Total paid (latest FY)
$407.42M
History on record
4 years
dividend uses 18% of free cash flow
45% of net income paid out
no current raise streak
payout was cut at least once in the last 4 years
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
Valuation Analysis
P/E
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P/S
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P/B
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EV / EBITDA
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XP trades at n/a trailing earnings. Its valuation ratios aren't loaded yet, so there is no P/E to judge here.
DCF Fair Value (Educational)
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
How this DCF estimate is calculatedDCF fair value / share
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Current price
$29.08
Starting FCF (latest 10-K)
$2.21B
Growth, years 1–5
4.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Metrics vs. Sector Range
Where XP sits versus the Financials companies we cover.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in our coverage that have fundamentals data — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
Sector Peer Comparison
How XP stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
XP doesn't have a model rating yet (its fundamentals ratios aren't loaded), so it isn't ranked against the 141 rated Financials companies we cover.
P/E vs sector
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median 14.9x
ROE vs sector
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median 13.6%
Growth vs sector
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median 15.9%
Sector rank
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not rated yet
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size, preferring ones with full data. Sector medians and rank use the 141 rated companies among the 289 Financials stocks we cover. Educational, not a recommendation.
Key Risks
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
Analyst Ratings
What 19 Wall Street analysts covering XP recommend (September 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more positive over the last three months (+5 pts of buy ratings).
Latest SEC Filings
XP's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen. How to read a 10-K
XP — frequently asked questions
Is XP a good stock to buy?
We don't give buy or sell advice. Review XP Inc's fundamentals, valuation, and 5-year financials on this page, then make your own decision — and consider a licensed professional.
Where does XP's data come from?
Live price data plus the annual financials in XP Inc's SEC filings, refreshed automatically. Its fundamentals ratios aren't loaded yet, which is why it has no model rating.
How is the 5-year projection for XP calculated?
It's a scenario model. It starts from the latest annual revenue and net margin in SEC filings, grows revenue at an assumed rate (trailing revenue growth by default), and applies a P/E range built around today's multiple to show the resulting share-price range. When a stock has no growth or P/E data, the starting values are placeholders. It's a tool for thinking, not a prediction.
Is this XP analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell XP. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.