Xp Incorporation (XP)
NASDAQ:XP
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XP Stock Chart & Stats
$21.10
-$0.16(-1.42%)
At close: 4:00 PM EST
$21.10
-$0.16(-1.42%)
Day’s Range― - ―
52-Week Range$14.80 - $23.13
Previous CloseN/A
Volume2.69M
Average Volume (3M)6.39M
Market Cap
$8.27B
Enterprise Value$121.99B
Total Cash (Recent Filing)$8.68B
Total Debt (Recent Filing)$89.50B
Price to Earnings (P/E)8.2
Beta1.28
Next Earnings
Aug 18, 2026EPS Estimate
0.51Next Dividend Ex-DateN/A
Dividend Yield1.1%
Share Statistics
EPS (TTM)9.98
Shares Outstanding415,263,060
10 Day Avg. Volume6,580,968
30 Day Avg. Volume6,394,529
Financial Highlights & Ratios
PEG Ratio0.48
Price to Book (P/B)2.01
Price to Sales (P/S)2.59
P/FCF Ratio3.99
Enterprise Value/Market Cap14.76
Enterprise Value/Revenue6.54
Enterprise Value/Gross Profit9.77
Enterprise Value/Ebitda19.34
Forecast
1Y Price Target
$24.00Price Target Upside13.74% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)10.45
Revenue Forecast (FY)$20.39B
Bulls Say, Bears Say
Bulls Say
Profitability & Cash GenerationXP generates high-quality earnings with free cash flow that closely tracks net income (TTM ~97%), and reported strong operating/net margins. Durable cash conversion supports reinvestment, distributions and cushions operating cycles, underpinning sustainable capital returns and strategic investments.
Client Assets & Market ShareMaterial AUM/AUA growth (BRL 2.1tn, +21% YoY) reflects effective client acquisition and retention across retail and advisory channels. Persistent asset gathering drives recurring fee revenues, strengthens network effects, and makes fee-migration targets more achievable over the medium term.
Capital Management & CapitalizationConsistent cash returns and a large buyback signal strong free cash generation and board confidence. Coupled with a BIS ratio above targets, disciplined capital allocation balances shareholder returns with regulatory capital buffers and supports strategic flexibility over multiple quarters.
Bears Say
Elevated LeverageXP’s leverage is elevated versus peers, with debt/equity spiking historically and TTM still high. Higher leverage increases sensitivity to funding costs and market stress, requiring consistent operating cash flow and prudent risk management to avoid capital or liquidity strain over the medium term.
Volatile Top-Line GrowthTop-line volatility—periods of decline followed by rebound—makes forecasting and margin planning harder. Durable profitability exists, but uneven revenue mix can pressure efficiency metrics and investment pacing, requiring sustained execution to stabilize recurring fee income trends.
Market-Exposed Revenue StreamsSignificant reliance on market-driven activities (DCM, fixed-income issuance, trading) leaves fees and transaction revenues exposed to issuance cycles and volatility. While fee-based migration is targeted, near-to-medium term revenue mix remains susceptible to macro and market issuance swings.
XP News
XP FAQ
What was Xp Incorporation’s price range in the past 12 months?
Xp Incorporation lowest stock price was $14.80 and its highest was $23.13 in the past 12 months.
What is Xp Incorporation’s market cap?
Xp Incorporation’s market cap is $8.27B.
When is Xp Incorporation’s upcoming earnings report date?
Xp Incorporation’s upcoming earnings report date is Aug 18, 2026 which is in 55 days.
How were Xp Incorporation’s earnings last quarter?
Xp Incorporation released its earnings results on May 18, 2026. The company reported $0.487 earnings per share for the quarter, missing the consensus estimate of $0.496 by -$0.009.
Is Xp Incorporation overvalued?
According to Wall Street analysts Xp Incorporation’s price is currently Undervalued.
Does Xp Incorporation pay dividends?
Xp Incorporation pays a Annually dividend of $0.2 which represents an annual dividend yield of 1.1%. See more information on Xp Incorporation dividends here
What is Xp Incorporation’s EPS estimate?
Xp Incorporation’s EPS estimate is 0.51.
How many shares outstanding does Xp Incorporation have?
Xp Incorporation has 415,263,060 shares outstanding.
What happened to Xp Incorporation’s price movement after its last earnings report?
Xp Incorporation reported an EPS of $0.487 in its last earnings report, missing expectations of $0.496. Following the earnings report the stock price went down -3.867%.
Which hedge fund is a major shareholder of Xp Incorporation?
Currently, no hedge funds are holding shares in XP
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
XP Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$24.00 (13.74% Upside)
$24.00 (13.74% Upside)
Blogger Sentiment
Bullish
XP Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 1.0M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Positive
Last 7 Days ▼ 0.8%
Last 30 Days ▲ 7.2%
Last 30 Days ▲ 7.2%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-16.23%
12-Months-Change
Fundamentals
Return on Equity
22.01%
Trailing 12-Months
Asset Growth
29.85%
Trailing 12-Months
Company Description
Xp Incorporation
XP Inc. is a leading Brazilian financial institution offering a comprehensive range of financial services and products. Its core operations encompass securities brokerage, private pension schemes, and a full suite of commercial and investment banking solutions, including lending, foreign exchange transactions, and deposit services. The company also provides expertise in product structuring and capital markets for corporate clients and entities issuing fixed income products. Furthermore, XP Inc. delivers tailored advisory services to affluent individuals and institutional clients, alongside robust wealth management for high-net-worth individuals and institutional investors. Beyond its direct financial offerings, XP Inc. operates Xpeed, an online educational platform designed to empower individuals with knowledge through seminars, courses, and learning resources covering fundamental investment principles, techniques, and strategies. The firm's portfolio also includes insurance brokerage. A cornerstone of its client-facing technology is the XP Platform, an open-architecture marketplace that grants clients access to an extensive array of investment opportunities. These include equity and fixed income securities, mutual and hedge funds, private equity, structured products, credit cards, various loan options, life insurance, pension plans, real estate investment funds, and numerous other alternatives. Established in 2001, XP Inc. is headquartered in São Paulo, Brazil.
XP Company Deck
XP Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a predominantly positive picture: the company delivered healthy year-over-year growth across client assets, revenues, earnings, and EPS, showed strong retail momentum and fee-based adoption, and announced meaningful capital returns (buybacks and dividends). Short-term challenges from March volatility, credit spread widening, weaker DCM/fixed-income issuance and a temporary NPS dip pressured sequential revenue and margins, but management framed these as largely external and transient, expecting stabilization and a return to double-digit growth. On balance the positives (broad YoY growth, capital strength, retail flows and strategic progress on fee-based revenues) outweigh the near-term headwinds.View all XP earnings summariesXP Stock 12 Month Forecast
Average Price Target
$24.00
▲(13.74% Upside)
Technical Analysis
Evercore Partners
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Marketaxess Holdings
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Piper Sandler
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Stifel Financial
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Freedom Holding
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Ownership Overview
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Insiders
22.52% Mutual Funds
39.82% Other Institutional Investors
27.67% Public Companies and
Individual Investors