XP (XP) Aperçu de l'action
XP Inc. fournit des produits et services financiers au Brésil. Plus de détails
| Score flocon de neige | |
|---|---|
| Évaluation | 6/6 |
| Croissance future | 3/6 |
| Performances passées | 3/6 |
| Santé financière | 3/6 |
| Dividendes | 2/6 |
Récompenses
Analyse des risques
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XP Community Fair Values
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Analyst Price Targets
XP Inc. Concurrents
Historique des prix et performances
| Historique des cours de bourse | |
|---|---|
| Prix actuel de l'action | US$17.69 |
| Plus haut sur 52 semaines | US$23.13 |
| Plus bas sur 52 semaines | US$15.61 |
| Bêta | 1.19 |
| Variation sur 1 mois | -15.03% |
| Variation sur 3 mois | -17.64% |
| Variation sur 1 an | -5.15% |
| Variation sur 3 ans | -0.11% |
| Variation sur 5 ans | -55.59% |
| Évolution depuis l'introduction en bourse | -48.67% |
Nouvelles et mises à jour récentes
Recent updates
Mise à jour du récit • May 08
XP: Future Returns Will Rely On 2026 Revenue Guidance Execution
Narrative Update on XP The updated analyst price target for XP has increased by about $1. Analysts attribute this change to higher revenue growth expectations into 2026 and a slightly lower assumed future P/E multiple, even as margin assumptions are reduced.Seeking Alpha • Apr 29
XP: Growth Is Improving, But Retail Flows Are Still Missing
Summary XP’s growth is improving, but still driven by mix shift toward Corporate & Issuer Services and operating leverage—not a real pickup in trading activity or retail engagement. AUC is expanding, but largely on market performance rather than Net New Money, suggesting XP’s funding engine has yet to fully reaccelerate. Corporate & Issuer Services has become the main earnings driver, helping offset weak retail flows but also masking the lack of a broader cycle recovery. At ~9x forward earnings, XP screens cheap, but as a leveraged proxy to Brazilian capital markets, meaningful upside still depends on retail flows returning as rates decline. Read the full article on Seeking Alpha
Mise à jour du récit • Apr 20
XP: Execution On 2026 Guidance And Competition Will Shape Future Returns
Analysts have lifted their price targets on XP toward the mid $20s. These changes are framed around updated revenue growth expectations near 12% for 2026 and modest adjustments to projected profit margins and future P/E multiples.Mise à jour du récit • Apr 06
XP: Execution On 2026 Revenue Guidance Will Drive Future Returns
Analysts have nudged their price targets for XP higher, with recent moves such as BofA's lift to $26 from $22 reflecting updated views on revenue growth expectations, profitability, and a modestly lower assumed discount rate. Analyst Commentary Recent research on XP shows a mix of optimism about long term revenue potential and caution about how much of that potential is already reflected in the share price.Mise à jour du récit • Mar 23
XP: Future Returns Will Rely On 2026 Guidance And Capital Returns
Narrative Update on XP The consensus analyst price target for XP has shifted higher, with some moving to $26 from $22 as analysts factor in management’s reiterated 2026 gross revenue guidance, expectations for about 12% revenue growth in 2026, and stronger profit margin assumptions alongside a slightly lower forward P/E multiple. Analyst Commentary Recent research on XP highlights a mix of optimism around long term growth guidance and caution around execution and valuation, which is feeding into the latest price target changes.
Mise à jour du récit • Mar 08
XP: Reiterated 2026 Guidance And Buybacks Will Support Further Upside
Analysts have raised their average price target for XP to about $27.10, with the change tied to slightly stronger revenue growth assumptions and updated long term P/E expectations following recent research that incorporates management’s reiterated 2026 gross revenue guidance. Analyst Commentary Bullish analysts are framing the recent price target revisions as a reflection of greater confidence in XP’s ability to meet the company’s reiterated 2026 gross revenue guidance, while still maintaining some valuation discipline.Mise à jour du récit • Feb 22
XP: 2026 Earnings Power And Buybacks Will Support Upside Potential
Analysts now see XP's fair value at about $26.86 versus roughly $26.00 previously, reflecting updated views on its discount rate, revenue growth, profit margin, and forward P/E after recent bullish Street research. Analyst Commentary Recent bullish research on XP has focused on how updated assumptions around discount rates, revenue growth, profit margins, and forward P/E can support a fair value around US$26.86, compared with roughly US$26.00 in prior models.Mise à jour du récit • Feb 07
XP: Future Shareholder Returns Will Rely On Buybacks And Cash Dividends
Analysts have nudged their fair value estimate for XP from US$22.63 to about US$23.89 per share, reflecting updated assumptions for revenue growth, profit margins and future P/E multiples informed by recent research that maintains a positive view on the stock. Analyst Commentary Bullish Takeaways Bullish analysts view the recent initiation and refreshed fair value work as support that XP's current share price still leaves room for the updated US$23.89 estimate to be realized over time, assuming the company can deliver on its revenue and margin assumptions.Mise à jour du récit • Jan 24
XP: Buybacks And Execution Risks Will Shape Future Returns
Analysts have raised their fair value estimate for XP from about US$20.06 to around US$21.30 per share, pointing to updated assumptions that combine stronger revenue growth expectations with slightly lower profit margins and a similar future P/E multiple. Analyst Commentary While the revised fair value estimate reflects updated assumptions on growth and margins, not every research desk is leaning in the same direction.Mise à jour du récit • Jan 10
XP: Future Shareholder Returns Will Rely On Ongoing Buybacks And Dividends
Analysts have trimmed their price target on XP to US$22.63 from US$23.17, citing updated assumptions around fair value, revenue growth, profit margins, and future P/E, which slightly adjust their overall outlook. What's in the News XP Inc.Mise à jour du récit • Dec 26
XP: Share Repurchases And Higher Margins Will Drive Stronger Future Returns
Analysts have raised their price target for XP from approximately 16.73 dollars to 20.06 dollars, citing expectations of slightly higher discount rates and improved long term profit margins that more than offset a modest reduction in projected revenue growth. What's in the News XP Inc.Mise à jour du récit • Dec 12
XP Will Benefit From 2026 Earnings Power And Capital Returns
We modestly lift our fair value estimate for XP to approximately $26, reflecting analysts’ higher year-end 2026-based price targets in the low $20s, even as they trim revenue growth assumptions and flag near-term macro and activity headwinds. Analyst Commentary Bullish analysts have nudged their price targets into the low $20s, aligning with our updated fair value framework and signaling growing confidence that XP can execute through a tougher macro backdrop.Mise à jour du récit • Nov 28
XP: Medium-Term Confidence Will Prevail Despite Near-Term Interest Rate Headwinds
XP’s analyst price target saw a modest increase to $23, up from previous levels, as analysts rolled forward valuation periods and maintained mostly stable earnings forecasts despite some pressure on revenue growth expectations and market activity. Analyst Commentary Recent Street research reports reflect a balanced perspective from analysts, highlighting both the opportunities and risks currently facing XP Inc.Article d’analyse • Nov 20
Earnings Update: XP Inc. (NASDAQ:XP) Just Reported Its Third-Quarter Results And Analysts Are Updating Their Forecasts
Shareholders might have noticed that XP Inc. ( NASDAQ:XP ) filed its third-quarter result this time last week. The...Mise à jour du récit • Nov 04
XP: Stable Earnings Outlook Will Support Long-Term Resilience Into 2026
Analysts have raised their price target for XP Inc. from $22.92 to $23.20.Mise à jour du récit • Oct 16
Brazil's Evolving Landscape Will Unlock Broad Market Opportunities
XP's analyst price target has been modestly lifted from $22.92 to $23.50, as analysts incorporate revised growth estimates and extend valuation timeframes. This change comes despite mixed expectations for near-term performance.Mise à jour du récit • Sep 18
Brazil's Evolving Landscape Will Unlock Broad Market Opportunities
XP's valuation outlook has shifted as its future P/E multiple dropped sharply and revenue growth forecasts softened, yet the analyst price target was essentially unchanged at $23.50. What's in the News Board meeting held to consider and approve unaudited interim condensed consolidated financial statements as of June 30, 2025.Mise à jour du récit • Aug 27
Brazil's Evolving Landscape Will Unlock Broad Market Opportunities
Analysts have modestly raised XP's price target to $22.84 as bullish sentiment around improved fundamentals offsets bearish concerns over limited upside and competitive challenges. Analyst Commentary Bearish analysts cite concerns over limited upside to justify a downgrade and reduced price target.Article d’analyse • May 23
Earnings Update: XP Inc. (NASDAQ:XP) Just Reported Its First-Quarter Results And Analysts Are Updating Their Forecasts
XP Inc. ( NASDAQ:XP ) last week reported its latest quarterly results, which makes it a good time for investors to dive...Seeking Alpha • Mar 05
XP Inc. Q4: Results Are Surprising, But That's Why It's Not Time To Buy (Rating Upgrade)
Summary I am upgrading XP Inc. stock from a sell to a hold recommendation due to improved results and attractive valuation despite a challenging macroeconomic scenario. XP's net revenue grew 11% y/y, driven by a 43% increase in fixed income transactions, showcasing operational resilience and efficiency. The company achieved excellent operational leverage, with gross and EBT margins increasing significantly, and an efficiency ratio reaching the best in its history. Despite a 20% upside potential, high competition and Brazil's high interest rates prevent a buy recommendation. Thus, I maintain a hold rating with a target of $17.7. Read the full article on Seeking AlphaSeeking Alpha • Feb 19
XP: Like A Bank But Conserves Optionality To Equities, It Is An Opportunity
Summary XP Inc.'s Q4 2024 earnings show growth aligned with Brazil's financial market, driven by banking activities rather than equity trading due to high interest rates. XP trades at a P/E of 10x, higher than peers like Santander and Bradesco, but is well-positioned for a potential recovery in Brazilian equities. XP's strategy focuses on personalized advisory services, adding more advisors and segmenting clients to differentiate from traditional banks. Despite mixed results and competition, XP is a Buy due to its potential for margin expansion and growth if Brazilian interest rates decline. Read the full article on Seeking AlphaSeeking Alpha • Jan 25
XP: Weathering The Storm In Brazil's Financial Turmoil
Summary Brazil's macroeconomic scenario in 2024 deteriorated, with rising inflation and interest rates, adversely impacting Brazilian stocks, including XP Inc. XP Inc.'s performance is highly sensitive to interest rate cycles, experiencing significant declines as rates increased, affecting its ability to attract new investments. Despite macroeconomic challenges, XP Inc. achieved record net income and improved efficiency metrics, demonstrating operational resilience. The company's total client assets grew 12% year-over-year, indicating existing clients' continued trust, though net inflows dropped significantly. Read the full article on Seeking AlphaSeeking Alpha • Nov 27
XP Inc. Q3: Modest And Without Triggers For Abrupt Improvement
Summary Recommend selling XP Inc. shares due to modest growth and lack of short-term improvement triggers amid rising interest rates in Brazil. 3Q24 results showed revenue below forecast and weak institutional segment performance, despite a slight increase in net revenues. XP Inc's gross margin and operating expenses worsened, though lower income tax rates benefited net income and dividend announcements. Valuation appears attractive, but no clear triggers for multiple expansions. Target price of $14.8 per share supports sell recommendation. Read the full article on Seeking Alpha
Nouveau récit • Nov 20
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.Seeking Alpha • Sep 06
XP Q2 Earnings: On Track To Meet Its 2026 Financial Targets
Summary Q2 results demonstrated a solid performance in both growth and profitability. The company remains on track to meet its 2026 financial targets in terms of revenue and margins. I remain confident in XP's business despite competitive threats and an uncertain macro environment. I rate shares a Buy with a price target of $30 by 2026. Read the full article on Seeking AlphaSeeking Alpha • Jun 21
XP Inc.: Lots Of Competition And Little Potential For Appreciation
Summary XP sees competition advancing in all its businesses, and this is impacting its results. Despite presenting good financial indicators, competitors are also extremely efficient. Through a comparative analysis using the P/E multiple, the company has a downside of 15%. Read the full article on Seeking AlphaSeeking Alpha • May 25
XP Inc: The Post-Earnings Sell-Off Is A Buying Opportunity
Summary XP’s share price is down nearly 15% since its Q1 earnings release, and down 30% since the beginning of this year. Falling interest rates in Brazil will be a tailwind for revenue growth in upcoming quarters. Shares are attractively valued, and management is returning capital to shareholders through share repurchases and dividends. Read the full article on Seeking AlphaRendement pour les actionnaires
| XP | US Capital Markets | US Marché | |
|---|---|---|---|
| 7D | 2.3% | -0.8% | -0.3% |
| 1Y | -5.1% | 9.8% | 26.7% |
Rendement vs Industrie: XP a sous-performé le secteur US Capital Markets qui a rapporté 9.8 % au cours de l'année écoulée.
Rendement vs marché: XP a sous-performé le marché US qui a rapporté 26.7 % au cours de l'année écoulée.
Volatilité des prix
| XP volatility | |
|---|---|
| XP Average Weekly Movement | 8.1% |
| Capital Markets Industry Average Movement | 3.6% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.2% |
Cours de l'action stable: XP n'a pas connu de volatilité de prix significative au cours des 3 derniers mois par rapport au marché US.
Volatilité au fil du temps: La volatilité hebdomadaire de XP ( 8% ) est restée stable au cours de l'année écoulée.
À propos de l'entreprise
| Fondée | Salariés | PDG | Site web |
|---|---|---|---|
| 2001 | n/a | Thiago Maffra | www.xpinc.com |
XP Inc. fournit des produits et services financiers au Brésil. Elle exploite XP Platform, une plateforme de produits ouverte qui permet aux clients d'accéder à des produits d'investissement sur le marché, notamment des titres de courtage, des titres à revenu fixe, des fonds communs de placement, des fonds spéculatifs et des fonds de capital-investissement, des produits dérivés et des instruments synthétiques, des cartes de crédit, des opérations de prêt et des produits de crédit garantis, des fonds de pension et de sécurité sociale, des produits d'assurance-vie et d'assurance-voyage, et d'autres produits d'investissement, notamment des fonds immobiliers et des solutions pour les marchés des capitaux d'actions et de la dette, ainsi que des services de gestion de patrimoine. La société offre des services de courtage et d'émission à des clients institutionnels et à des entreprises.
XP Inc. Résumé des fondamentaux
| XP statistiques fondamentales | |
|---|---|
| Capitalisation boursière | US$8.59b |
| Bénéfices(TTM) | US$1.05b |
| Recettes(TTM) | US$3.63b |
8.7x
Ratio P/E2.5x
Ratio P/SLe site XP est-il surévalué ?
Voir Juste valeur et analyse de l'évaluationBénéfices et recettes
| XP compte de résultat (TTM) | |
|---|---|
| Recettes | R$18.18b |
| Coût des recettes | R$5.62b |
| Marge brute | R$12.56b |
| Autres dépenses | R$7.31b |
| Les revenus | R$5.24b |
Derniers bénéfices déclarés
Mar 31, 2026
Prochaine date de publication des résultats
s/o
| Résultat par action (EPS) | 10.17 |
| Marge brute | 69.07% |
| Marge bénéficiaire nette | 28.85% |
| Ratio dettes/capitaux propres | 676.1% |
Quelles ont été les performances à long terme de XP?
Voir les performances historiques et les comparaisonsDividendes
1.1%
Rendement actuel des dividendes20%
Ratio de distributionAnalyse de l'entreprise et données financières
| Données | Dernière mise à jour (heure UTC) |
|---|---|
| Analyse de l'entreprise | 2026/05/20 17:21 |
| Cours de l'action en fin de journée | 2026/05/20 00:00 |
| Les revenus | 2026/03/31 |
| Revenus annuels | 2025/12/31 |
Sources de données
Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.
| Paquet | Données | Cadre temporel | Exemple de source américaine * |
|---|---|---|---|
| Finances de l'entreprise | 10 ans |
| |
| Estimations consensuelles des analystes | +3 ans |
|
|
| Prix du marché | 30 ans |
| |
| Propriété | 10 ans |
| |
| Gestion | 10 ans |
| |
| Principaux développements | 10 ans |
|
* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.
Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.
Modèle d'analyse et flocon de neige
Les détails du modèle d’analyse utilisé pour générer ce rapport sont disponibles sur notre page Github; nous proposons également des guides expliquant comment utiliser nos rapports et des tutoriels sur Youtube.
Découvrez l'équipe de classe mondiale qui a conçu et construit le modèle d'analyse Simply Wall St.
Indicateurs de l'industrie et du secteur
Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.
Sources des analystes
XP Inc. est couverte par 15 analystes. 10 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.
| Analyste | Institution |
|---|---|
| Mario Lucio Pierry | BofA Global Research |
| Marcelo Mizrahi | Bradesco S.A. Corretora de Títulos e Valores Mobiliários |
| Eric Ito | Bradesco S.A. Corretora de Títulos e Valores Mobiliários |