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STOCKS

XP (XP)

NASDAQ:XP

RESEARCH TOOLSreports

XP (XP) Ratios

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793 Followers

XP Ratios

XP's free cash flow for Q4 2025 was R$0.67. For the 2025 fiscal year, XP's free cash flow was decreased by R$ and operating cash flow was R$0.33. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.56	0.56	0.81	0.96	0.72
Quick Ratio	0.56	0.56	0.81	0.96	0.72
Cash Ratio	0.13	0.13	0.03	0.03	0.03
Solvency Ratio	0.01	0.01	0.02	0.02	0.02
Operating Cash Flow Ratio	0.15	0.15	0.06	0.07	0.02
Short-Term Operating Cash Flow Coverage	0.15	0.15	0.14	0.20	0.05
Net Current Asset Value	R$ -326.70B	R$ -326.70B	R$ -169.35B	R$ -110.08B	R$ -98.87B
Leverage Ratios
Debt-to-Assets Ratio	0.22	0.22	0.33	0.28	0.18
Debt-to-Equity Ratio	3.62	3.62	5.74	3.53	2.09
Debt-to-Capital Ratio	0.78	0.78	0.85	0.78	0.68
Long-Term Debt-to-Capital Ratio	0.12	0.12	0.62	0.59	0.10
Financial Leverage Ratio	16.84	16.84	17.34	12.80	11.27
Debt Service Coverage Ratio	0.07	0.07	0.08	0.12	0.12
Interest Coverage Ratio	9.66	9.65	7.38	-6.26	-8.86
Debt to Market Cap	1.64	1.80	2.86	1.00	0.79
Interest Debt Per Share	165.17	162.93	211.61	127.11	64.68
Net Debt to EBITDA	11.90	11.99	15.83	13.44	7.89
Profitability Margins
Gross Profit Margin	67.35%	67.36%	67.71%	10.90%	7.77%
EBIT Margin	32.67%	32.65%	33.28%	30.73%	27.13%
EBITDA Margin	34.30%	34.28%	34.82%	32.44%	28.58%
Operating Profit Margin	32.41%	32.42%	33.19%	-26.08%	-25.13%
Pretax Profit Margin	29.31%	29.29%	28.78%	26.57%	24.29%
Net Profit Margin	27.78%	27.79%	26.06%	26.31%	25.24%
Continuous Operations Profit Margin	27.77%	27.79%	26.06%	26.32%	25.25%
Net Income Per EBT	94.76%	94.88%	90.52%	99.04%	103.90%
EBT Per EBIT	90.45%	90.33%	86.72%	-101.85%	-96.67%
Return on Assets (ROA)	1.29%	1.28%	1.49%	1.57%	1.86%
Return on Equity (ROE)	22.53%	21.52%	25.83%	20.05%	21.01%
Return on Capital Employed (ROCE)	1.89%	1.88%	4.36%	-3.09%	-4.11%
Return on Invested Capital (ROIC)	1.42%	1.42%	2.56%	-2.31%	-2.96%
Return on Tangible Assets	1.29%	1.29%	1.50%	1.58%	1.87%
Earnings Yield	9.99%	10.72%	12.85%	5.66%	7.95%
Efficiency Ratios
Receivables Turnover	0.51	0.51	0.56	0.46	0.62
Payables Turnover	0.00	0.00	8.40	5.19	7.84
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	22.83	22.68	26.04	22.62	24.90
Asset Turnover	0.05	0.05	0.06	0.06	0.07
Working Capital Turnover Ratio	-0.51	-0.49	-0.93	-0.88	-0.68
Cash Conversion Cycle	714.52	719.14	603.19	715.19	544.72
Days of Sales Outstanding	714.52	719.14	646.62	785.58	591.30
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	43.43	70.39	46.58
Operating Cycle	714.52	719.14	646.62	785.58	591.30
Cash Flow Ratios
Operating Cash Flow Per Share	23.16	22.84	20.39	14.93	3.25
Free Cash Flow Per Share	22.49	22.44	19.79	14.57	3.02
CapEx Per Share	0.66	0.40	0.60	0.36	0.23
Free Cash Flow to Operating Cash Flow	0.97	0.98	0.97	0.98	0.93
Dividend Paid and CapEx Coverage Ratio	14.36	17.11	4.72	2.17	14.21
Capital Expenditure Coverage Ratio	34.99	57.55	33.85	41.42	14.21
Operating Cash Flow Coverage Ratio	0.14	0.14	0.10	0.12	0.05
Operating Cash Flow to Sales Ratio	0.66	0.66	0.56	0.55	0.13
Free Cash Flow Yield	22.61%	25.03%	26.94%	11.52%	3.72%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.01	9.33	7.78	17.66	12.58
Price-to-Sales (P/S) Ratio	2.82	2.59	2.03	4.65	3.17
Price-to-Book (P/B) Ratio	2.17	2.01	2.01	3.54	2.64
Price-to-Free Cash Flow (P/FCF) Ratio	4.42	3.99	3.71	8.68	26.85
Price-to-Operating Cash Flow Ratio	4.24	3.93	3.60	8.47	24.96
Price-to-Earnings Growth (PEG) Ratio	3.07	0.49	0.52	1.58	40.38
Price-to-Fair Value	2.17	2.01	2.01	3.54	2.64
Enterprise Value Multiple	20.12	19.55	21.65	27.77	19.00
Enterprise Value	126.70B	122.22B	149.80B	133.46B	76.99B
EV to EBITDA	20.12	19.55	21.65	27.77	19.00
EV to Sales	6.90	6.70	7.54	9.01	5.43
EV to Free Cash Flow	10.83	10.33	13.81	16.83	45.91
EV to Operating Cash Flow	10.52	10.15	13.40	16.42	42.68
Tangible Book Value Per Share	39.96	39.42	31.76	31.14	29.16
Shareholders’ Equity Per Share	45.27	44.65	36.55	35.74	30.67
Tax and Other Ratios
Effective Tax Rate	0.05	0.05	0.09	<0.01	-0.04
Revenue Per Share	35.29	34.59	36.24	27.23	25.53
Net Income Per Share	9.80	9.61	9.44	7.16	6.44
Tax Burden	0.95	0.95	0.91	0.99	1.04
Interest Burden	0.90	0.90	0.86	0.86	0.90
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.00	0.00	0.26	0.27
Stock-Based Compensation to Revenue	0.02	0.02	0.02	0.02	0.04
Income Quality	2.33	2.33	2.24	2.06	0.52

Currency in BRL