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XP (XP)
NASDAQ:XP
XP Analyst Ratings
Strong Buy
3 Buy
1 Hold
0 Sell
TipRanks enables you to focus on the analyst rating consensus of all analysts or only the top performers in the past 3 months
XP Stock 12 Month Forecast
Average Price Target
$23.50
▲(29.12% Upside)
| Highest Price Target$26.00 | Average Price Target$23.50 | Lowest Price Target$22.00 |
The highest, average, and lowest price target of all analysts. Click on ‘Top Analysts’ to focus on the best performers.
Detailed List of Analyst Forecasts
Detailed List of Analyst Forecasts
TR | OpenAI - 4o
$18→$19
Hold
4.40%
Upside
Reiterated
10/25/25
AI Generated ArticleAI Generated Article
UBS
$24→$23
Buy
26.37%
Upside
Reiterated
10/16/25
Morgan Stanley
$26
Buy
42.86%
Upside
Reiterated
10/05/25
XP Inc.: Strategic Focus on Profitable Growth and Innovation Drives Buy RatingWe recently spoke with CFO, who shared insights into the company's client dynamics, strategic priorities, and long-term ambitions. The discussion underscored both the challenges of Brazil's current macro environment and the opportunities XP sees in reshaping its business mix, private banking, distribution network, and technology-driven efficiency. While consensus remains focused on slowing inflows and muted near-term growth, the longer-term picture is more constructive. We summarize below the five major themes from our meeting. 1. Client Mix — Prioritizing Profitability over Volume. The sub-R$300,000 retail client base has been structurally loss-making, due to demanding service needs, high churn, and low fees. XP has allowed this segment to shrink, reducing market share from 6.5% to 4.5% — ceding around R$4 billion in AUC.
Bank of America Securities
$19→$22
Hold
20.88%
Upside
Reiterated
09/25/25
Citi
$22→$23
Buy
26.37%
Upside
Assigned
09/24/25
XP Inc: Buy Rating Affirmed Amid Attractive Valuation and Future Interest Rate BenefitsWe rate XP as Buy. Despite the postponement of market activity resumption, we remain constructive on XP’s ability to grow. Also, XP is trading at a valuation discount, and we expect a strong payout for 2025E and 2026E.
Itau Unibanco
$21
Hold
15.38%
Upside
Downgraded
06/22/25
Goldman Sachs
$23
Buy
26.37%
Upside
Upgraded
06/04/25
Banco Santander
$22
Buy
20.88%
Upside
Upgraded
05/28/25
Ranks
Any
Analyst Rating
Any
Upside/ Downside
Any
Action
Any
TR | OpenAI - 4o
$18→$19
Hold
4.40%
Upside
Reiterated
10/25/25
AI Generated ArticleAI Generated Article
UBS
$24→$23
Buy
26.37%
Upside
Reiterated
10/16/25
Morgan Stanley
$26
Buy
42.86%
Upside
Reiterated
10/05/25
XP Inc.: Strategic Focus on Profitable Growth and Innovation Drives Buy RatingWe recently spoke with CFO, who shared insights into the company's client dynamics, strategic priorities, and long-term ambitions. The discussion underscored both the challenges of Brazil's current macro environment and the opportunities XP sees in reshaping its business mix, private banking, distribution network, and technology-driven efficiency. While consensus remains focused on slowing inflows and muted near-term growth, the longer-term picture is more constructive. We summarize below the five major themes from our meeting. 1. Client Mix — Prioritizing Profitability over Volume. The sub-R$300,000 retail client base has been structurally loss-making, due to demanding service needs, high churn, and low fees. XP has allowed this segment to shrink, reducing market share from 6.5% to 4.5% — ceding around R$4 billion in AUC.
Bank of America Securities
$19→$22
Hold
20.88%
Upside
Reiterated
09/25/25
Citi
$22→$23
Buy
26.37%
Upside
Assigned
09/24/25
XP Inc: Buy Rating Affirmed Amid Attractive Valuation and Future Interest Rate BenefitsWe rate XP as Buy. Despite the postponement of market activity resumption, we remain constructive on XP’s ability to grow. Also, XP is trading at a valuation discount, and we expect a strong payout for 2025E and 2026E.
Itau Unibanco
$21
Hold
15.38%
Upside
Downgraded
06/22/25
Goldman Sachs
$23
Buy
26.37%
Upside
Upgraded
06/04/25
Banco Santander
$22
Buy
20.88%
Upside
Upgraded
05/28/25
Best Analysts Covering XP
1 Month
xxx
Success Rate
7/11 ratings generated profit
Average Return
+2.87%
upgraded a xxx
rating 5 months ago
Copying xxxxxxxxxxxxxxxxxx
trades and holding each position for 1 Month would result in 63.64% of your transactions generating a profit, with an average return of +2.87% per trade.
3 Months
xxx
Success Rate
7/10 ratings generated profit
Average Return
+14.31%
reiterated a xxx
rating 15 days ago
Copying xxxxxxxxxxxxxxxxxx
trades and holding each position for 3 Months would result in 70.00% of your transactions generating a profit, with an average return of +14.31% per trade.
1 Year
Success Rate
7/11 ratings generated profit
Average Return
+20.20%
upgraded a buy rating 5 months ago
Copying Tito Labarta's trades and holding each position for 1 Year would result in 63.64% of your transactions generating a profit, with an average return of +20.20% per trade.
2 Years
xxx
Success Rate
7/11 ratings generated profit
Average Return
+5.26%
upgraded a xxx
rating 5 months ago
Copying xxxxxxxxxxxxxxxxxx
trades and holding each position for 2 Years would result in 63.64% of your transactions generating a profit, with an average return of +5.26% per trade.
The Best Analyst Covering tool allows you to follow the analysts who have the best success rates and average returns on a specific stock. Only analysts that gave a Buy or Sell rating on the stock in the past 12 months are eligible for inclusion in this tool. Follow the analysts of your choice to receive real-time updates when they publish a new rating.
XP Analyst Recommendation Trends
Rating
Jun 25
Jul 25
Aug 25
Sep 25
Oct 25
Strong Buy
0
0
0
0
0
Buy
8
9
13
11
10
Hold
2
2
4
5
6
Sell
0
0
0
0
0
Strong Sell
0
0
0
0
0
total
10
11
17
16
16
Each month's total comprises the sum of three months' worth of ratings.
XP Financial Forecast
XP Stock Forecast FAQ
What is XP’s average 12-month price target, according to analysts?
Based on analyst ratings, XP’s 12-month average price target is 23.50.
What is XP’s upside potential, based on the analysts’ average price target?
XP has 29.12% upside potential, based on the analysts’ average price target.
Can I see which stocks the top-ranking analysts are rating?
Yes, go to the Analysts’ Top Stocks tool to see stocks with a Strong Buy or Strong Sell analyst rating consensus, according to the top performers.
How can I follow the stock ratings of top Wall Street analysts?
Head over to our Expert Center to see a list of the top 100 Wall Street analysts and follow the analysts of your choice. Visit their profiles for more details about their stock ratings and see how they perform on a stock-by-stock basis.
Is XP a Buy, Sell or Hold?
XP has a consensus rating of Strong Buy which is based on 3 buy ratings, 1 hold ratings and 0 sell ratings.
What is XP’s price target?
The average price target for XP is 23.50. This is based on 4 Wall Streets Analysts 12-month price targets, issued in the past 3 months.
The highest analyst price target is $26.00 ,the lowest forecast is $22.00. The average price target represents 29.12% Increase from the current price of $18.2.
The highest analyst price target is $26.00 ,the lowest forecast is $22.00. The average price target represents 29.12% Increase from the current price of $18.2.
What do analysts say about XP?
XP’s analyst rating consensus is a Strong Buy. This is based on the ratings of 4 Wall Streets Analysts.
How can I buy shares of XP?
Open a brokerage account, see exclusive account opening deals on our Best Online Brokers page.