XP Stock Overview
Provides financial products and services in Brazil. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 3/6 |
| Past Performance | 4/6 |
| Financial Health | 3/6 |
| Dividends | 4/6 |
Rewards
Risk Analysis
No risks detected for XP from our risk checks.
Community vs My Fair Value
Create NarrativeSelect a narrative for quick price alerts from the community, or create your own.
Sales Team Expansion And New Products Will Drive Client Acquisition
XP Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$19.25 |
| 52 Week High | US$20.39 |
| 52 Week Low | US$10.82 |
| Beta | 1.18 |
| 1 Month Change | 20.61% |
| 3 Month Change | 31.13% |
| 1 Year Change | 2.23% |
| 3 Year Change | -14.86% |
| 5 Year Change | -40.31% |
| Change since IPO | -44.14% |
Recent News & Updates
Earnings Update: XP Inc. (NASDAQ:XP) Just Reported Its First-Quarter Results And Analysts Are Updating Their Forecasts
May 23
XP Inc. Q1: Strong Results Support Rating Upgrade
May 23Even With A 39% Surge, Cautious Investors Are Not Rewarding XP Inc.'s (NASDAQ:XP) Performance Completely
May 09Recent updates
Earnings Update: XP Inc. (NASDAQ:XP) Just Reported Its First-Quarter Results And Analysts Are Updating Their Forecasts
May 23XP Inc. Q1: Strong Results Support Rating Upgrade
May 23Even With A 39% Surge, Cautious Investors Are Not Rewarding XP Inc.'s (NASDAQ:XP) Performance Completely
May 09XP Inc. Q4: Results Are Surprising, But That's Why It's Not Time To Buy (Rating Upgrade)
Mar 05XP: Like A Bank But Conserves Optionality To Equities, It Is An Opportunity
Feb 19XP Inc.'s (NASDAQ:XP) Share Price Boosted 26% But Its Business Prospects Need A Lift Too
Feb 14XP: Weathering The Storm In Brazil's Financial Turmoil
Jan 25Investors Give XP Inc. (NASDAQ:XP) Shares A 29% Hiding
Dec 19XP Inc. Q3: Modest And Without Triggers For Abrupt Improvement
Nov 27
Enhancing Tech-Enabled Platforms And Services Will Drive Revenue Growth And Deepen Client Relationships
XP's tech-enabled platform and transition to service provision are set to increase revenue and enhance net margins by attracting and retaining clients.Investors Continue Waiting On Sidelines For XP Inc. (NASDAQ:XP)
Oct 11XP Q2 Earnings: On Track To Meet Its 2026 Financial Targets
Sep 06Earnings Beat: XP Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Models
Aug 16XP Inc.: Lots Of Competition And Little Potential For Appreciation
Jun 21XP Inc: The Post-Earnings Sell-Off Is A Buying Opportunity
May 25XP Q3 net inflows slide in Q3, client assets rise
Oct 20XP: Attractive Valuation And Strong Growth Potential
Aug 16XP reports Q2 results
Aug 09XP reports 16% growth in active clients and 4% in AUC for Q2
Jul 15XP: Strong Growth Potential Via New Business Area Credit Cards
Apr 11Shareholder Returns
| XP | US Capital Markets | US Market | |
|---|---|---|---|
| 7D | 3.7% | -0.4% | -0.3% |
| 1Y | 2.2% | 26.2% | 11.3% |
Return vs Industry: XP underperformed the US Capital Markets industry which returned 22.2% over the past year.
Return vs Market: XP underperformed the US Market which returned 9.1% over the past year.
Price Volatility
| XP volatility | |
|---|---|
| XP Average Weekly Movement | 7.0% |
| Capital Markets Industry Average Movement | 5.6% |
| Market Average Movement | 8.0% |
| 10% most volatile stocks in US Market | 17.2% |
| 10% least volatile stocks in US Market | 4.2% |
Stable Share Price: XP has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: XP's weekly volatility (7%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2001 | n/a | Thiago Maffra | www.xpinc.com |
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.
XP Inc. Fundamentals Summary
| XP fundamental statistics | |
|---|---|
| Market cap | US$9.90b |
| Earnings (TTM) | US$835.81m |
| Revenue (TTM) | US$2.93b |
Is XP overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| XP income statement (TTM) | |
|---|---|
| Revenue | R$16.55b |
| Cost of Revenue | R$5.13b |
| Gross Profit | R$11.42b |
| Other Expenses | R$6.70b |
| Earnings | R$4.72b |
Last Reported Earnings
Mar 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 8.89 |
| Gross Margin | 69.01% |
| Net Profit Margin | 28.52% |
| Debt/Equity Ratio | 735.1% |
How did XP perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/05/27 09:47 |
| End of Day Share Price | 2025/05/27 00:00 |
| Earnings | 2025/03/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
XP Inc. is covered by 17 analysts. 10 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Mario Lucio Pierry | BofA Global Research |
| Otavio Tanganelli | Bradesco S.A. Corretora de Títulos e Valores Mobiliários |
| Marcelo Mizrahi | Bradesco S.A. Corretora de Títulos e Valores Mobiliários |