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STOCKS

XP (XP)

NASDAQ:XP

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XP (XP) Ratios

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787 Followers

XP Ratios

XP's free cash flow for Q3 2025 was R$0.12. For the 2025 fiscal year, XP's free cash flow was decreased by R$ and operating cash flow was R$0.32. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.82	0.81	0.96	0.72	0.83
Quick Ratio	0.82	0.81	0.96	0.72	0.83
Cash Ratio	0.06	0.03	0.03	0.03	0.03
Solvency Ratio	0.01	0.01	0.02	0.02	0.03
Operating Cash Flow Ratio	0.09	0.06	0.07	0.02	-0.05
Short-Term Operating Cash Flow Coverage	0.25	0.14	0.20	0.05	-0.14
Net Current Asset Value	R$ -210.96B	R$ -169.35B	R$ -110.08B	R$ -98.87B	R$ -62.38B
Leverage Ratios
Debt-to-Assets Ratio	0.18	0.33	0.28	0.18	0.20
Debt-to-Equity Ratio	3.06	5.74	3.53	2.09	1.96
Debt-to-Capital Ratio	0.75	0.85	0.78	0.68	0.66
Long-Term Debt-to-Capital Ratio	0.00	0.62	0.59	0.10	0.02
Financial Leverage Ratio	16.88	17.34	12.80	11.27	9.67
Debt Service Coverage Ratio	0.08	0.07	0.12	0.12	0.14
Interest Coverage Ratio	-6.75	-5.02	-6.26	-8.86	-14.18
Debt to Market Cap	1.39	2.86	1.00	0.79	0.32
Interest Debt Per Share	139.15	211.40	127.11	64.68	50.71
Net Debt to EBITDA	9.83	18.16	13.44	7.89	6.15
Profitability Margins
Gross Profit Margin	11.60%	9.51%	10.90%	7.77%	15.88%
EBIT Margin	32.71%	29.02%	30.73%	27.13%	30.45%
EBITDA Margin	33.89%	30.35%	32.44%	28.58%	32.24%
Operating Profit Margin	-25.83%	-19.71%	-26.08%	-25.13%	-14.84%
Pretax Profit Margin	28.88%	25.09%	26.57%	24.29%	29.41%
Net Profit Margin	28.01%	22.71%	26.31%	25.24%	27.67%
Continuous Operations Profit Margin	28.08%	22.72%	26.32%	25.25%	27.69%
Net Income Per EBT	96.96%	90.52%	99.04%	103.90%	94.08%
EBT Per EBIT	-111.83%	-127.33%	-101.85%	-96.67%	-198.16%
Return on Assets (ROA)	1.27%	1.30%	1.57%	1.86%	2.58%
Return on Equity (ROE)	23.23%	22.52%	20.05%	21.01%	24.90%
Return on Capital Employed (ROCE)	-2.35%	-2.59%	-3.09%	-4.11%	-3.00%
Return on Invested Capital (ROIC)	-1.67%	-1.52%	-2.31%	-2.96%	-1.97%
Return on Tangible Assets	1.27%	1.31%	1.58%	1.87%	2.59%
Earnings Yield	9.78%	11.21%	5.66%	7.95%	4.01%
Efficiency Ratios
Receivables Turnover	0.50	0.56	0.46	0.62	0.97
Payables Turnover	7.29	7.25	5.19	7.84	4.77
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	26.54	26.04	22.62	24.90	21.68
Asset Turnover	0.05	0.06	0.06	0.07	0.09
Working Capital Turnover Ratio	-0.48	-0.93	-0.88	-0.68	-0.68
Cash Conversion Cycle	673.56	596.27	715.19	544.72	301.60
Days of Sales Outstanding	723.62	646.62	785.58	591.30	378.16
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	50.06	50.35	70.39	46.58	76.56
Operating Cycle	723.62	646.62	785.58	591.30	378.16
Cash Flow Ratios
Operating Cash Flow Per Share	34.69	20.39	14.93	3.25	-7.19
Free Cash Flow Per Share	34.09	19.79	14.57	3.02	-7.82
CapEx Per Share	0.60	0.60	0.36	0.23	0.63
Free Cash Flow to Operating Cash Flow	0.98	0.97	0.98	0.93	1.09
Dividend Paid and CapEx Coverage Ratio	7.76	4.72	2.17	14.21	-11.39
Capital Expenditure Coverage Ratio	57.99	33.85	41.42	14.21	-11.39
Operating Cash Flow Coverage Ratio	0.25	0.10	0.12	0.05	-0.14
Operating Cash Flow to Sales Ratio	1.01	0.56	0.55	0.13	-0.31
Free Cash Flow Yield	34.71%	26.94%	11.52%	3.72%	-4.89%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.35	8.92	17.66	12.58	24.93
Price-to-Sales (P/S) Ratio	2.90	2.03	4.65	3.17	6.90
Price-to-Book (P/B) Ratio	2.21	2.01	3.54	2.64	6.21
Price-to-Free Cash Flow (P/FCF) Ratio	2.92	3.71	8.68	26.85	-20.46
Price-to-Operating Cash Flow Ratio	2.87	3.60	8.47	24.96	-22.25
Price-to-Earnings Growth (PEG) Ratio	2.79	0.60	1.58	40.38	0.35
Price-to-Fair Value	2.21	2.01	3.54	2.64	6.21
Enterprise Value Multiple	18.38	24.84	27.77	19.00	27.54
Enterprise Value	111.76B	149.80B	133.46B	76.99B	115.19B
EV to EBITDA	18.28	24.84	27.77	19.00	27.54
EV to Sales	6.19	7.54	9.01	5.43	8.88
EV to Free Cash Flow	6.23	13.81	16.83	45.91	-26.34
EV to Operating Cash Flow	6.12	13.40	16.42	42.68	-28.65
Tangible Book Value Per Share	39.86	31.76	31.14	29.16	24.33
Shareholders’ Equity Per Share	44.99	36.55	35.74	30.67	25.79
Tax and Other Ratios
Effective Tax Rate	0.03	0.09	<0.01	-0.04	0.06
Revenue Per Share	34.31	36.24	27.23	25.53	23.21
Net Income Per Share	9.61	8.23	7.16	6.44	6.42
Tax Burden	0.97	0.91	0.99	1.04	0.94
Interest Burden	0.88	0.86	0.86	0.90	0.97
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.26	0.21	0.26	0.27	0.23
Stock-Based Compensation to Revenue	0.03	0.02	0.02	0.04	0.04
Income Quality	3.52	2.24	2.06	0.52	-1.05

Currency in BRL