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XP (XP)
NASDAQ:XP
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XP (XP) Ratios

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XP Ratios

XP's free cash flow for Q1 2025 was R$0.22. For the 2025 fiscal year, XP's free cash flow was decreased by R$ and operating cash flow was R$0.87. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.57 0.96 0.69 0.71 0.51
Quick Ratio
0.57 0.96 0.69 0.45 0.37
Cash Ratio
0.04 0.03 0.04 0.03 0.04
Solvency Ratio
0.01 0.02 0.08 0.10 0.09
Operating Cash Flow Ratio
0.06 0.07 0.02 -0.05 0.03
Short-Term Operating Cash Flow Coverage
0.22 0.20 0.05 -0.15 0.05
Net Current Asset Value
R$ -221.28BR$ -110.08BR$ -107.14BR$ -71.27BR$ -57.14B
Leverage Ratios
Debt-to-Assets Ratio
0.17 0.28 0.18 0.20 0.34
Debt-to-Equity Ratio
2.75 3.53 2.09 1.96 3.00
Debt-to-Capital Ratio
0.73 0.78 0.68 0.66 0.75
Long-Term Debt-to-Capital Ratio
0.14 0.59 0.10 0.12 0.07
Financial Leverage Ratio
16.63 12.80 11.27 9.67 8.81
Debt Service Coverage Ratio
0.10 0.12 -0.09 -0.07 -0.02
Interest Coverage Ratio
-5.17 -6.26 -8.48 -13.93 -9.59
Debt to Market Cap
1.19 1.00 0.79 0.32 0.29
Interest Debt Per Share
108.70 127.11 64.68 50.71 59.24
Net Debt to EBITDA
8.10 13.44 -9.97 -15.51 -84.90
Profitability Margins
Gross Profit Margin
30.86%24.73%7.25%44.64%47.27%
EBIT Margin
79.67%69.72%59.10%63.76%49.32%
EBITDA Margin
82.32%73.58%-49.26%-26.76%-7.21%
Operating Profit Margin
-53.85%-59.17%-52.42%-30.50%-10.07%
Pretax Profit Margin
69.26%60.26%52.92%61.57%48.27%
Net Profit Margin
63.34%59.69%54.99%57.93%41.39%
Continuous Operations Profit Margin
63.37%59.70%55.01%57.98%41.49%
Net Income Per EBT
91.45%99.04%103.90%94.08%85.75%
EBT Per EBIT
-128.64%-101.85%-100.96%-201.85%-479.48%
Return on Assets (ROA)
1.35%1.57%1.86%2.58%2.16%
Return on Equity (ROE)
22.91%20.05%21.01%24.90%19.06%
Return on Capital Employed (ROCE)
-2.50%-3.09%-3.65%-2.96%-1.23%
Return on Invested Capital (ROIC)
-1.71%-2.31%-2.79%-1.97%-0.60%
Return on Tangible Assets
1.36%1.58%1.87%2.59%2.18%
Earnings Yield
9.51%5.66%7.95%4.01%1.82%
Efficiency Ratios
Receivables Turnover
0.24 0.20 0.00 0.00 0.00
Payables Turnover
5.91 5.19 9.78 3.95 3.08
Inventory Turnover
0.00 0.00 0.00 0.17 0.33
Fixed Asset Turnover
11.05 9.97 11.43 10.35 12.96
Asset Turnover
0.02 0.03 0.03 0.04 0.05
Working Capital Turnover Ratio
-0.12 -0.39 -0.25 -0.25 -0.21
Cash Conversion Cycle
1.48K 1.71K -37.33 2.03K 971.51
Days of Sales Outstanding
1.54K 1.78K 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 2.12K 1.09K
Days of Payables Outstanding
61.72 70.39 37.33 92.31 118.60
Operating Cycle
1.54K 1.78K 0.00 2.12K 1.09K
Cash Flow Ratios
Operating Cash Flow Per Share
22.04 14.93 3.25 -7.19 2.74
Free Cash Flow Per Share
21.59 14.57 3.02 -7.82 2.21
CapEx Per Share
0.45 0.36 0.23 0.63 0.53
Free Cash Flow to Operating Cash Flow
0.98 0.98 0.93 1.09 0.81
Dividend Paid and CapEx Coverage Ratio
5.21 2.17 14.21 -11.39 5.18
Capital Expenditure Coverage Ratio
48.58 41.42 14.21 -11.39 5.18
Operating Cash Flow Coverage Ratio
0.21 0.12 0.05 -0.14 0.05
Operating Cash Flow to Sales Ratio
1.60 1.24 0.28 -0.65 0.30
Free Cash Flow Yield
24.04%11.52%3.72%-4.89%1.07%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
10.59 17.66 12.58 24.94 54.80
Price-to-Sales (P/S) Ratio
6.55 10.54 6.92 14.44 22.68
Price-to-Book (P/B) Ratio
2.38 3.54 2.64 6.21 10.44
Price-to-Free Cash Flow (P/FCF) Ratio
4.19 8.68 26.86 -20.47 93.33
Price-to-Operating Cash Flow Ratio
4.20 8.47 24.97 -22.26 75.32
Price-to-Earnings Growth (PEG) Ratio
2.03 1.58 40.39 0.35 0.70
Price-to-Fair Value
2.38 3.54 2.64 6.21 10.44
Enterprise Value Multiple
16.06 27.77 -24.02 -69.48 -399.46
Enterprise Value
98.10B 133.46B 77.01B 115.23B 144.50B
EV to EBITDA
16.00 27.77 -24.02 -69.48 -399.46
EV to Sales
13.17 20.43 11.83 18.60 28.81
EV to Free Cash Flow
8.42 16.83 45.92 -26.35 118.52
EV to Operating Cash Flow
8.25 16.42 42.69 -28.66 95.65
Tangible Book Value Per Share
34.10 31.14 29.16 24.33 18.44
Shareholders’ Equity Per Share
39.00 35.74 30.67 25.79 19.73
Tax and Other Ratios
Effective Tax Rate
0.09 <0.01 -0.04 0.06 0.14
Revenue Per Share
13.81 12.00 11.72 11.08 9.08
Net Income Per Share
8.75 7.16 6.44 6.42 3.76
Tax Burden
0.91 0.99 1.04 0.94 0.86
Interest Burden
0.87 0.86 0.90 0.97 0.98
Research & Development to Revenue
0.00 0.00 <0.01 <0.01 <0.01
SG&A to Revenue
0.62 0.58 0.58 0.76 0.60
Stock-Based Compensation to Revenue
0.06 0.06 0.09 0.09 0.05
Income Quality
2.51 2.06 0.52 -1.05 0.62
Currency in BRL
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