XP Inc. (XP)

BR — Financial Services Sector
Peers: JEF  FRHC  WBS  GGAL  ORI  FHN  SF  CMA  SEIC  CIFR 

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Key Metrics & Ratings

  • symbol XP
  • Rev/Share 13.8211
  • Book/Share 42.187
  • PB 2.287
  • Debt/Equity 3.3311
  • CurrentRatio 0.7915
  • ROIC -0.0168

 

  • MktCap 50811145834.771
  • FreeCF/Share 19.6202
  • PFCF 4.9059
  • PE 10.3477
  • Debt/Assets 0.1984
  • DivYield 0.0359
  • ROE 0.2324

 

  • Rating B
  • Score 3
  • Recommendation Neutral
  • P/E Score 2
  • DCF Score 3
  • P/B Score 1
  • D/E Score 1

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
Reiterated XP Citigroup -- Buy $22 $23 Sept. 24, 2025
Downgrade XP Itau BBA Outperform Market Perform -- $21 June 23, 2025
Upgrade XP Goldman Neutral Buy -- $23 June 4, 2025
Upgrade XP Morgan Stanley Equal Weight Overweight -- $24 May 13, 2025
Initiation XP Itau BBA -- Outperform -- $20 March 18, 2025
Upgrade XP UBS Neutral Buy $19 $16 Jan. 24, 2025
Downgrade XP BofA Securities Buy Neutral $25 $16 Dec. 10, 2024

News

XP Inc. (XP) Q3 2025 Earnings Call Transcript
XP
Published: November 18, 2025 by: Seeking Alpha
Sentiment: Neutral

XP Inc. ( XP ) Q3 2025 Earnings Call November 17, 2025 5:00 PM EST Company Participants Andre Parize - Chief Investor Relations Officer Thiago Maffra - Chief Executive Officer Victor Mansur - Chief Financial Officer Conference Call Participants Eduardo Rosman - Banco BTG Pactual S.A., Research Division Yuri Fernandes - JPMorgan Chase & Co, Research Division Mario Pierry - BofA Securities, Research Division Gustavo Schroden - Citigroup Inc., Research Division Daniel Vaz - J.

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image for news XP Inc. (XP) Q3 2025 Earnings Call Transcript
XP Inc.A (XP) Meets Q3 Earnings Estimates
XP
Published: November 17, 2025 by: Zacks Investment Research
Sentiment: Positive

XP Inc.A (XP) came out with quarterly earnings of $0.45 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $0.39 per share a year ago.

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image for news XP Inc.A (XP) Meets Q3 Earnings Estimates
XP Inc. Announces Cash Dividend, Treasury Shares Retirement and New Share Repurchase Program
XP
Published: November 17, 2025 by: Business Wire
Sentiment: Neutral

SÃO PAULO--(BUSINESS WIRE)--XP Inc. (Nasdaq: XP), announced today that its board of directors has approved three capital allocation actions: (i) the declaration of a cash dividend, (ii) the retirement of treasury shares, and (iii) the authorization of a new share repurchase program. Cash Dividend The Board declared a cash dividend of US$0.18 per Class A common share, payable on December 18, 2025, to shareholders of record as of December 10, 2025. The distribution is expected to total approximat.

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image for news XP Inc. Announces Cash Dividend, Treasury Shares Retirement and New Share Repurchase Program
XP Inc. Reports Third Quarter 2025 Results
XP
Published: November 17, 2025 by: Business Wire
Sentiment: Neutral

SÃO PAULO--(BUSINESS WIRE)--XP Inc. (NASDAQ: XP) (“XP” or the “Company”), a leading tech-enabled platform and a trusted pioneer in providing low-fee financial products and services in Brazil, reported today its financial results for the third quarter of 2025. Summary Operating KPIs Operating Metrics (unaudited) 3Q25 3Q24 YoY 2Q25 QoQ Total Client Assets (in R$ bn) 1,425 1,270 12% 1,372 4% Total Net Inflow (in R$ bn) 29 34 -14% 10 204% Annualized Retail Take Rate 1.24% 1.33% -9 bps 1.25% -1 bps.

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image for news XP Inc. Reports Third Quarter 2025 Results
Are Investors Undervaluing XP (XP) Right Now?
XP
Published: November 17, 2025 by: Zacks Investment Research
Sentiment: Positive

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Read More
image for news Are Investors Undervaluing XP (XP) Right Now?
Is XP (XP) Stock Undervalued Right Now?
XP
Published: August 25, 2025 by: Zacks Investment Research
Sentiment: Positive

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Read More
image for news Is XP (XP) Stock Undervalued Right Now?
XP 2Q25 Was Challenging But Still Positive Given The Context
XP
Published: August 21, 2025 by: Seeking Alpha
Sentiment: Positive

I maintain my buy rating on XP Inc., as valuation remains attractive at about 10x earnings despite cyclical headwinds. Asset growth is robust at 17% YoY, but revenue growth is muted and margins contracted due to tough comps and macro challenges. XP is shifting to a more client-aligned, fee-based advisory model and continues to invest in technology and marketing for future growth.

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image for news XP 2Q25 Was Challenging But Still Positive Given The Context
XP vs. SOFI: Which Stock Is the Better Value Option?
SOFI, XP
Published: August 13, 2025 by: Zacks Investment Research
Sentiment: Positive

Investors with an interest in Financial - Miscellaneous Services stocks have likely encountered both XP Inc.A (XP) and SoFi Technologies, Inc. (SOFI). But which of these two stocks presents investors with the better value opportunity right now?

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image for news XP vs. SOFI: Which Stock Is the Better Value Option?
XP Inc.A (XP) to Report Q2 Results: Wall Street Expects Earnings Growth
XP
Published: August 05, 2025 by: Zacks Investment Research
Sentiment: Positive

XP Inc.A (XP) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

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image for news XP Inc.A (XP) to Report Q2 Results: Wall Street Expects Earnings Growth
XP or SOFI: Which Is the Better Value Stock Right Now?
SOFI, XP
Published: July 28, 2025 by: Zacks Investment Research
Sentiment: Neutral

Investors looking for stocks in the Financial - Miscellaneous Services sector might want to consider either XP Inc.A (XP) or SoFi Technologies, Inc. (SOFI). But which of these two stocks presents investors with the better value opportunity right now?

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image for news XP or SOFI: Which Is the Better Value Stock Right Now?
XP Inc.A (XP) Loses 12% in 4 Weeks, Here's Why a Trend Reversal May be Around the Corner
XP
Published: July 21, 2025 by: Zacks Investment Research
Sentiment: Negative

The heavy selling pressure might have exhausted for XP Inc.A (XP) as it is technically in oversold territory now. In addition to this technical measure, strong agreement among Wall Street analysts in revising earnings estimates higher indicates that the stock is ripe for a trend reversal.

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image for news XP Inc.A (XP) Loses 12% in 4 Weeks, Here's Why a Trend Reversal May be Around the Corner
XP or SOFI: Which Is the Better Value Stock Right Now?
SOFI, XP
Published: July 11, 2025 by: Zacks Investment Research
Sentiment: Positive

Investors looking for stocks in the Financial - Miscellaneous Services sector might want to consider either XP Inc.A (XP) or SoFi Technologies, Inc. (SOFI). But which of these two companies is the best option for those looking for undervalued stocks?

Read More
image for news XP or SOFI: Which Is the Better Value Stock Right Now?
XP Inc. Q1: Strong Results Support Rating Upgrade
XP
Published: May 23, 2025 by: Seeking Alpha
Sentiment: Positive

I upgraded XP Inc. from 'Hold' to 'Buy' due to strong fixed income revenue growth and effective expense control, signaling resilience. The Company achieved record net income, driven by robust net inflows and operational efficiency, and announced a new share buyback program. The valuation is attractive with a PEG of 0.74x, implying 35% upside potential and further supporting my buy rating.

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image for news XP Inc. Q1: Strong Results Support Rating Upgrade
XP Inc. (XP) Q1 2025 Earnings Call Transcript
XP
Published: May 20, 2025 by: Seeking Alpha
Sentiment: Neutral

XP Inc. (NASDAQ:XP ) Q1 2025 Earnings Conference Call May 20, 2025 5:00 PM ET Company Participants Andre Parize - Head, IR Thiago Maffra - CEO Victor Mansur - CFO Conference Call Participants Eduardo Rosman - BTG Pedro Leduc - Itau BBA Yuri Fernandes - JPMorgan Gustavo Schroden - Citi Mario Pierry - Bank of America Olavo Arthuzo - UBS Tito Labarta - Goldman Sachs Andre Parize Today, on behalf of the company, I would like to thank you all for your interest and welcome you to our First Quarter 2025 Earnings Call. Today's presentation will be led by our …

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image for news XP Inc. (XP) Q1 2025 Earnings Call Transcript
XP Inc.A (XP) Tops Q1 Earnings Estimates
XP
Published: May 20, 2025 by: Zacks Investment Research
Sentiment: Positive

XP Inc.A (XP) came out with quarterly earnings of $0.39 per share, beating the Zacks Consensus Estimate of $0.38 per share. This compares to earnings of $0.37 per share a year ago.

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image for news XP Inc.A (XP) Tops Q1 Earnings Estimates
ROSEN, LEADING INVESTOR COUNSEL, Encourages XP Inc. Investors to Inquire About Securities Class Action Investigation - XP
XP
Published: May 20, 2025 by: Accesswire
Sentiment: Neutral

NEW YORK CITY, NY / ACCESS Newswire / May 20, 2025 / WHY: New York, N.Y., May 20, 2025.

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image for news ROSEN, LEADING INVESTOR COUNSEL, Encourages XP Inc. Investors to Inquire About Securities Class Action Investigation - XP
ROSEN, SKILLED INVESTOR COUNSEL, Encourages XP Inc. Investors to Inquire About Securities Class Action Investigation - XP
XP
Published: May 13, 2025 by: Accesswire
Sentiment: Neutral

NEW YORK CITY, NY / ACCESS Newswire / May 13, 2025 / WHY: New York, N.Y., May 13, 2025.

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image for news ROSEN, SKILLED INVESTOR COUNSEL, Encourages XP Inc. Investors to Inquire About Securities Class Action Investigation - XP
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of XP Inc. - XP
XP
Published: May 09, 2025 by: GlobeNewsWire
Sentiment: Neutral

NEW YORK, May 09, 2025 (GLOBE NEWSWIRE) -- Pomerantz LLP is investigating claims on behalf of investors of XP Inc. (“XP” or the “Company”) (NASDAQ: XP). Such investors are advised to contact Danielle Peyton at [email protected] or 646-581-9980, ext. 7980.

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image for news INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of XP Inc. - XP
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of XP Inc. - XP
XP
Published: May 08, 2025 by: Accesswire
Sentiment: Neutral

NEW YORK CITY, NY / ACCESS Newswire / May 8, 2025 / Pomerantz LLP is investigating claims on behalf of investors of XP Inc. ("XP" or the "Company") (NASDAQ:XP). Such investors are advised to contact Danielle Peyton at [email protected] or 646-581-9980, ext.

Read More
image for news INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of XP Inc. - XP
XP Inc. Announcement: If You Have Suffered Losses in XP Inc. (NASDAQ: XP), You Are Encouraged to Contact The Rosen Law Firm About Your Rights
XP
Published: May 05, 2025 by: GlobeNewsWire
Sentiment: Neutral

NEW YORK, May 05, 2025 (GLOBE NEWSWIRE) -- WHY: Rosen Law Firm, a global investor rights law firm, continues to investigate potential securities claims on behalf of shareholders of XP Inc. (NASDAQ: XP) resulting from allegations that XP may have issued materially misleading business information to the investing public.

Read More
image for news XP Inc. Announcement: If You Have Suffered Losses in XP Inc. (NASDAQ: XP), You Are Encouraged to Contact The Rosen Law Firm About Your Rights
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of XP Inc. - XP
XP
Published: May 05, 2025 by: GlobeNewsWire
Sentiment: Neutral

NEW YORK, May 05, 2025 (GLOBE NEWSWIRE) -- Pomerantz LLP is investigating claims on behalf of investors of XP Inc. (“XP” or the “Company”) (NASDAQ: XP). Such investors are advised to contact Danielle Peyton at [email protected] or 646-581-9980, ext. 7980.

Read More
image for news INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of XP Inc. - XP
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of XP Inc. - XP
XP
Published: May 01, 2025 by: Accesswire
Sentiment: Neutral

NEW YORK, NY / ACCESS Newswire / May 1, 2025 / Pomerantz LLP is investigating claims on behalf of investors of XP Inc. ("XP" or the "Company") (NASDAQ:XP). Such investors are advised to contact Danielle Peyton at [email protected] or 646-581-9980, ext.

Read More
image for news INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of XP Inc. - XP
ROSEN, A LEADING INVESTOR RIGHTS LAW FIRM, Encourages XP Inc. Investors to Inquire About Securities Class Action Investigation - XP
XP
Published: April 30, 2025 by: Accesswire
Sentiment: Neutral

NEW YORK CITY, NY / ACCESS Newswire / April 30, 2025 / WHY: New York, N.Y., April 30, 2025.

Read More
image for news ROSEN, A LEADING INVESTOR RIGHTS LAW FIRM, Encourages XP Inc. Investors to Inquire About Securities Class Action Investigation - XP
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of XP Inc. - XP
XP
Published: April 30, 2025 by: Accesswire
Sentiment: Neutral

NEW YORK CITY, NY / ACCESS Newswire / April 30, 2025 / Pomerantz LLP is investigating claims on behalf of investors of XP Inc. ("XP" or the "Company") (NASDAQ:XP). Such investors are advised to contact Danielle Peyton at [email protected] or 646-581-9980, ext.

Read More
image for news INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of XP Inc. - XP
Is XP (XP) a Great Value Stock Right Now?
XP
Published: April 28, 2025 by: Zacks Investment Research
Sentiment: Positive

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Read More
image for news Is XP (XP) a Great Value Stock Right Now?
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims on Behalf of Investors of XP Inc. - XP
XP
Published: April 25, 2025 by: GlobeNewsWire
Sentiment: Neutral

NEW YORK, April 25, 2025 (GLOBE NEWSWIRE) -- Pomerantz LLP is investigating claims on behalf of investors of XP Inc. (“XP” or the “Company”) (NASDAQ: XP). Such investors are advised to contact Danielle Peyton at [email protected] or 646-581-9980, ext. 7980.

Read More
image for news INVESTOR ALERT: Pomerantz Law Firm Investigates Claims on Behalf of Investors of XP Inc. - XP
XP Inc. Announcement: If You Have Suffered Losses in XP Inc. (NASDAQ: XP), You Are Encouraged to Contact The Rosen Law Firm About Your Rights
XP
Published: April 24, 2025 by: GlobeNewsWire
Sentiment: Neutral

NEW YORK, April 24, 2025 (GLOBE NEWSWIRE) -- WHY: Rosen Law Firm, a global investor rights law firm, continues to investigate potential securities claims on behalf of shareholders of XP Inc. (NASDAQ: XP) resulting from allegations that XP may have issued materially misleading business information to the investing public.

Read More
image for news XP Inc. Announcement: If You Have Suffered Losses in XP Inc. (NASDAQ: XP), You Are Encouraged to Contact The Rosen Law Firm About Your Rights
XP Inc. (XP) Faces Scrutiny After Short Seller Alleges Company Operates A “Madoff-like” Ponzi Scheme – Hagens Berman
XP
Published: April 24, 2025 by: GlobeNewsWire
Sentiment: Neutral

XP Investors with Losses Encouraged to Contact the Firm SAN FRANCISCO, April 24, 2025 (GLOBE NEWSWIRE) -- On March 12, 2025, investors in XP Inc. (NASDAQ: XP), who purports to be “a leading, technology-driven platform and a trusted provider of low-fee financial products and services in Brazil,” saw the price of their shares decline over 5% after a short-seller published a report titled “XP's (Nasdaq: XP) Entire Profits Are Dependent on What Insiders Call a ‘Madoff-Like Ponzi Scheme.'” Prominent investor rights firm Hagens Berman is investigating the allegations and urges investors who purchased XP Inc. shares and suffered substantial losses …

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image for news XP Inc. (XP) Faces Scrutiny After Short Seller Alleges Company Operates A “Madoff-like” Ponzi Scheme – Hagens Berman
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of XP Inc. - XP
XP
Published: April 23, 2025 by: Accesswire
Sentiment: Neutral

NEW YORK CITY, NY / ACCESS Newswire / April 23, 2025 / Pomerantz LLP is investigating claims on behalf of investors of XP Inc. ("XP" or the "Company") (NASDAQ:XP). Such investors are advised to contact Danielle Peyton at [email protected] or 646-581-9980, ext.

Read More
image for news INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of XP Inc. - XP
XP Inc. Announcement: If You Have Suffered Losses in XP Inc. (NASDAQ: XP), You Are Encouraged to Contact The Rosen Law Firm About Your Rights
XP
Published: April 21, 2025 by: GlobeNewsWire
Sentiment: Neutral

NEW YORK, April 21, 2025 (GLOBE NEWSWIRE) -- WHY: Rosen Law Firm, a global investor rights law firm, continues to investigate potential securities claims on behalf of shareholders of XP Inc. (NASDAQ: XP) resulting from allegations that XP may have issued materially misleading business information to the investing public.

Read More
image for news XP Inc. Announcement: If You Have Suffered Losses in XP Inc. (NASDAQ: XP), You Are Encouraged to Contact The Rosen Law Firm About Your Rights

About XP Inc. (XP)

  • IPO Date 2019-12-11
  • Website https://www.xpinc.com
  • Industry Financial - Capital Markets
  • CEO Thiago Maffra
  • Employees 6834

XP Inc. provides financial products and services in Brazil. It offers securities brokerage, private pension plans, commercial, and investment banking products, such as loan operations and transactions in the foreign exchange markets and deposits; product structuring and capital markets services for corporate clients and issuers of fixed income products; advisory services for mass-affluent and institutional clients; and wealth management services for high-net-worth customers and institutional clients. The company also offers Xpeed, an online financial education portal that offers seminars, classes, and learning tools to help teach individuals on topics, such as basics of investing, techniques, and investment strategies, as well as insurance brokerage services. In addition, it operates XP Platform, an open product platform that provides clients to access investment products in the market, including equity and fixed income securities, mutual and hedge funds, private equity, structured products, credit cards, loan operations, life insurance, pension plans, real-estate investment funds, and others. The company was founded in 2001 and is based in São Paulo, Brazil.