XP Inc.

NasdaqGS:XP Stock Report

Market Cap: US$7.0b

XP Balance Sheet Health

Financial Health criteria checks 4/6

XP has a total shareholder equity of R$21.4B and total debt of R$133.0B, which brings its debt-to-equity ratio to 622.7%. Its total assets and total liabilities are R$316.4B and R$295.0B respectively.

Key information

622.7%

Debt to equity ratio

R$132.99b

Debt

Interest coverage ration/a
CashR$197.59b
EquityR$21.36b
Total liabilitiesR$295.04b
Total assetsR$316.40b

Recent financial health updates

No updates

Recent updates

Investors Give XP Inc. (NASDAQ:XP) Shares A 29% Hiding

Dec 19
Investors Give XP Inc. (NASDAQ:XP) Shares A 29% Hiding

XP Inc. Q3: Modest And Without Triggers For Abrupt Improvement

Nov 27

Investors Continue Waiting On Sidelines For XP Inc. (NASDAQ:XP)

Oct 11
Investors Continue Waiting On Sidelines For XP Inc. (NASDAQ:XP)

XP Q2 Earnings: On Track To Meet Its 2026 Financial Targets

Sep 06

Earnings Beat: XP Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Models

Aug 16
Earnings Beat: XP Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Models

XP Inc.: Lots Of Competition And Little Potential For Appreciation

Jun 21

XP Inc: The Post-Earnings Sell-Off Is A Buying Opportunity

May 25

XP Inc. (NASDAQ:XP) Just Reported First-Quarter Earnings: Have Analysts Changed Their Mind On The Stock?

May 23
XP Inc. (NASDAQ:XP) Just Reported First-Quarter Earnings: Have Analysts Changed Their Mind On The Stock?

Sentiment Still Eluding XP Inc. (NASDAQ:XP)

Apr 23
Sentiment Still Eluding XP Inc. (NASDAQ:XP)

XP Inc. (NASDAQ:XP) Doing What It Can To Lift Shares

Jan 08
XP Inc. (NASDAQ:XP) Doing What It Can To Lift Shares

XP Q3 net inflows slide in Q3, client assets rise

Oct 20

XP: Attractive Valuation And Strong Growth Potential

Aug 16

XP reports Q2 results

Aug 09

XP reports 16% growth in active clients and 4% in AUC for Q2

Jul 15

XP: Strong Growth Potential Via New Business Area Credit Cards

Apr 11

XP: A Compelling Medium To Longer-Term Growth Story

Jan 26

Financial Position Analysis

Short Term Liabilities: XP's short term assets (R$231.2B) exceed its short term liabilities (R$177.5B).

Long Term Liabilities: XP's short term assets (R$231.2B) exceed its long term liabilities (R$117.6B).

Debt to Equity History and Analysis

Debt Level: XP has more cash than its total debt.

Reducing Debt: XP's debt to equity ratio has reduced from 953.3% to 622.7% over the past 5 years.

Debt Coverage: XP's debt is not well covered by operating cash flow (8.6%).

Interest Coverage: Insufficient data to determine if XP's interest payments on its debt are well covered by EBIT.

Balance Sheet

Discover healthy companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/18 09:13
End of Day Share Price 2024/12/18 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 here.

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 .

Analyst Sources

XP Inc. is covered by 15 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Mario Lucio PierryBofA Global Research
Lucca BrendimBradesco S.A. Corretora de Títulos e Valores Mobiliários
Gustavo SchrodenBradesco S.A. Corretora de Títulos e Valores Mobiliários