XP (XP) Panoramica del titolo
XP Inc. si occupa della fornitura di prodotti e servizi finanziari in Brasile. Maggiori dettagli
| Punteggio fiocco di neve | |
|---|---|
| Valutazione | 6/6 |
| Crescita futura | 3/6 |
| Prestazioni passate | 3/6 |
| Salute finanziaria | 3/6 |
| Dividendi | 2/6 |
Premi
Analisi del rischio
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XP Community Fair Values
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Analyst Price Targets
Concorrenti di XP Inc.
Storia dei prezzi e prestazioni
| Prezzi storici delle azioni | |
|---|---|
| Prezzo attuale dell'azione | US$17.69 |
| Massimo di 52 settimane | US$23.13 |
| Minimo di 52 settimane | US$15.61 |
| Beta | 1.19 |
| Variazione di 1 mese | -15.03% |
| Variazione a 3 mesi | -17.64% |
| Variazione di 1 anno | -5.15% |
| Variazione a 3 anni | -0.11% |
| Variazione a 5 anni | -55.59% |
| Variazione dall'IPO | -48.67% |
Notizie e aggiornamenti recenti
Recent updates
Aggiornamento della narrazione • 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
Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.
Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Articolo di analisi • 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...Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Articolo di analisi • 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
Nuova narrazione • 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 AlphaRendimenti per gli azionisti
| XP | US Capital Markets | US Mercato | |
|---|---|---|---|
| 7D | 2.3% | -0.8% | -0.3% |
| 1Y | -5.1% | 9.8% | 26.7% |
Ritorno vs Industria: XP ha avuto una performance inferiore rispetto al US Capital Markets che ha registrato un rendimento 9.8 % nell'ultimo anno.
Rendimento vs Mercato: XP ha avuto una performance inferiore al mercato US che ha registrato un rendimento 26.7 % nell'ultimo anno.
Volatilità dei prezzi
| 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% |
Prezzo delle azioni stabile: XP non ha avuto una volatilità dei prezzi significativa negli ultimi 3 mesi rispetto al mercato US.
Volatilità nel tempo: La volatilità settimanale ( 8% ) di XP è rimasta stabile nell'ultimo anno.
Informazioni sull'azienda
| Fondato | I dipendenti | AMMINISTRATORE DELEGATO | Sito web |
|---|---|---|---|
| 2001 | n/a | Thiago Maffra | www.xpinc.com |
XP Inc. si occupa della fornitura di prodotti e servizi finanziari in Brasile. Gestisce XP Platform, una piattaforma di prodotti aperta che consente ai clienti di accedere a prodotti di investimento sul mercato che comprendono titoli di intermediazione, titoli a reddito fisso, fondi comuni di investimento, hedge e private equity; derivati e strumenti sintetici; carte di credito; operazioni di prestito/prodotti di credito collateralizzati; fondi pensionistici e previdenziali e prodotti assicurativi sulla vita e sui viaggi; e altri prodotti di investimento che comprendono fondi immobiliari e soluzioni per i mercati dei capitali azionari e del debito, nonché servizi di gestione patrimoniale. La società offre servizi di brokeraggio e di emittente a clienti istituzionali e aziendali.
XP Inc. Riepilogo dei fondamenti
| XP statistiche fondamentali | |
|---|---|
| Capitalizzazione di mercato | US$8.59b |
| Utili (TTM) | US$1.05b |
| Ricavi(TTM) | US$3.63b |
8.7x
Rapporto P/E2.5x
Rapporto P/SXP è sopravvalutato?
Vedi Fair Value e analisi di valutazioneUtili e ricavi
| XP Conto economico (TTM) | |
|---|---|
| Ricavi | R$18.18b |
| Costo del fatturato | R$5.62b |
| Profitto lordo | R$12.56b |
| Altre spese | R$7.31b |
| Utili | R$5.24b |
Ultimi utili riportati
Mar 31, 2026
Prossima data di guadagno
n/a
| Utile per azione (EPS) | 10.17 |
| Margine lordo | 69.07% |
| Margine di profitto netto | 28.85% |
| Rapporto debito/patrimonio netto | 676.1% |
Come si è comportato XP nel lungo periodo?
Vedi performance storica e confrontoDividendi
1.1%
Rendimento attuale del dividendo20%
Rapporto di remunerazioneAnalisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/05/20 17:22 |
| Prezzo dell'azione a fine giornata | 2026/05/20 00:00 |
| Utili | 2026/03/31 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
|
|
| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
| |
| Sviluppi principali | 10 anni |
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* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; abbiamo anche guide su come utilizzare i nostri report e tutorial su Youtube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
XP Inc. è coperta da 15 analisti. 10 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| 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 |