
XP Inc.
XPNASDAQFinancial ServicesFinancial - Capital Markets
Previous close
$16.81
+$0.82 · +5.13%
XP company overview
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GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
99
Deep Value
Momentum
41
Neutral
Sentiment
50
Mixed
Risk resilience
57
Elevated Risk
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Company profile
Company websiteXP Inc. provides financial products and services in Brazil. The company operates XP Platform, an open product platform that provides clients to access investment products in the market comprising brokerage securities, fixed income securities, mutual, hedge, and private equity funds; derivatives and synthetic instruments; credit cards; loan operations/collateralized credit products; pension and social security funds, and life and travel insurance products; and other investment products comprising real estate funds, and equity and debt capital markets solutions, as well as wealth management services. It offers brokerage and issuer services to institutional and corporate clients. The company also manages mutual funds focused on stocks and macro strategies distributed to retail and to institutional clients; funds and managed portfolios for high-net-worth retail clients, and proprietary treasury funds; and passive mutual funds that track market indexes, and mutual and investment funds focused on fixed income, credit, real estate, infrastructure, and other alternative strategies. In addition, it offers securities brokerage services for institutional and retail investors; interdealer brokerage services for institutional traders; and commercial and investment banking products, such as loan operations and transactions in the foreign exchange markets and deposits, as well as develops and sells financial education courses and events online and in person to retail clients. The company offers its sell products and services through its omni-channel distribution network and online portals. XP Inc. was founded in 2001 and is based in George Town, the Cayman Islands.
- Industry
- Financial - Capital Markets
- Sector
- Financial Services
- Headquarters
- KY
- CEO
- Thiago Maffra
- Listed since
- Dec 11, 2019
- Employees
- 8,069
Market position
Day range
Current $16.81
52-week range
Current $16.81
- Open
- $16.225
- Previous close
- $15.99
- Volume
- 6.6M
- 1.25× average
- Average volume
- 5.29M
- Average daily volume
- Market cap
- 8.79B USD
- Beta
- 1.1
- Market reference 1
- 50-day average
- $16.2946
- +3.16% above average
- 200-day average
- $18.0464
- -6.85% below average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 122.22B BRL
- P/E (TTM)
- 8.41×
- P/B (TTM)
- 1.79×
- P/S (TTM)
- 2.34×
- EV / EBITDA
- 19.55×
- Earnings yield
- 10.72%
- Free cash flow yield
- 25.03%
- Dividend yield
- 2.26%
Profitability & efficiency
- Gross margin
- 66.69%
- Operating margin
- 31.83%
- Net margin
- 27.59%
- Return on equity
- 21.52%
- Return on assets
- 1.28%
- Return on invested capital
- 1.42%
Financial health
- Debt / equity
- 3.74×
- Current ratio
- 0.56×
- Altman Z-score
- 0.05
- Piotroski F-score
- 5 of 9
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (BRL) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 18.24B BRL | 19.87B BRL | 14.82B BRL | 14.18B BRL | 12.97B BRL |
| Cost of goods sold | 5.95B BRL | 6.42B BRL | 4.83B BRL | 4.44B BRL | 4.05B BRL |
| Gross profit | 12.29B BRL | 13.45B BRL | 9.99B BRL | 9.74B BRL | 8.93B BRL |
| Operating expenses | 6.37B BRL | 6.86B BRL | 5.45B BRL | 5.7B BRL | 4.77B BRL |
| Interest income | 10.23B BRL | 11.05B BRL | 8.21B BRL | 7.69B BRL | 6.12B BRL |
| Interest expense | 613.12M BRL | 894.2M BRL | 607.62M BRL | 416.73M BRL | 141.07M BRL |
| Depreciation and amortization | 298.17M BRL | 304.36M BRL | 248.38M BRL | 213.26M BRL | 240.84M BRL |
| Operating income | 5.91B BRL | 6.6B BRL | 4.55B BRL | 4.05B BRL | 4.15B BRL |
| Net income | 5.07B BRL | 5.18B BRL | 3.84B BRL | 3.71B BRL | 3.73B BRL |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 55%
- 6 beats, 5 misses, 0 met estimates
- Average EPS surprise
- -6.79%
- 11 comparable reports
- Latest EPS result
- 0.53
- Estimate 0.5 · Beat by 6.00%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Rating distribution
9 ratingsRecent analyst actions
Corporate actions
Corporate action history
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
Dividend | Jun 10, 2026 | $0.20Semi-Annual | Jun 10, 2026 | Jun 18, 2026 |
Dividend | Dec 10, 2025 | $0.18Annual | Dec 10, 2025 | Dec 18, 2025 |
Dividend | Dec 10, 2024 | $0.65Annual | Dec 10, 2024 | Dec 18, 2024 |
Dividend | Dec 12, 2023 | $0.73Quarterly | Dec 13, 2023 | Dec 22, 2023 |
Dividend | Sep 11, 2023 | $0.585Irregular | Sep 12, 2023 | Sep 25, 2023 |
Ex-dividend Jun 10, 2026
$0.20
Semi-Annual
Record Jun 10, 2026 · Payment Jun 18, 2026
Ex-dividend Dec 10, 2025
$0.18
Annual
Record Dec 10, 2025 · Payment Dec 18, 2025
Ex-dividend Dec 10, 2024
$0.65
Annual
Record Dec 10, 2024 · Payment Dec 18, 2024
Ex-dividend Dec 12, 2023
$0.73
Quarterly
Record Dec 13, 2023 · Payment Dec 22, 2023
Ex-dividend Sep 11, 2023
$0.585
Irregular
Record Sep 12, 2023 · Payment Sep 25, 2023
XP peers
ETFs holding XP
Funds reporting this stock among their holdings, ordered by reported position size.
iShares MSCI Brazil ETFEWZ100.78M1.30%7.97B USD0.59%$35.06+2.69%
iShares Core MSCI Emerging Markets ETFIEMG72.11M0.05%160B USD0.09%$81.57+0.64%
Avantis Emerging Markets Equity ETFAVEM30.12M0.11%27.89B USD0.33%$94.24+0.75%
Vanguard High Dividend Yield ETFVYM26.95M0.03%99.2B USD0.04%$164.97+0.59%
iShares Russell Mid-Cap ETFIWR25.62M0.04%57.66B USD0.18%$113.44+0.70%
iShares MSCI Emerging Markets ex China ETFEMXC17.52M0.07%24.86B USD0.25%$97.80+0.85%
iShares MSCI Emerging Markets ETFEEM16.36M0.05%31.22B USD0.72%$67.12+0.75%
iShares Russell 1000 Value ETFIWD13.92M0.02%83.81B USD0.18%$257.29+0.44%
iShares MSCI Brazil ETFEWZ- Market value
- 100.78M
- Weight
- 1.30%
- AUM
- 7.97B USD
- Expense ratio
- 0.59%
- Price / 1D
- $35.06+2.69%
iShares Core MSCI Emerging Markets ETFIEMG- Market value
- 72.11M
- Weight
- 0.05%
- AUM
- 160B USD
- Expense ratio
- 0.09%
- Price / 1D
- $81.57+0.64%
Avantis Emerging Markets Equity ETFAVEM- Market value
- 30.12M
- Weight
- 0.11%
- AUM
- 27.89B USD
- Expense ratio
- 0.33%
- Price / 1D
- $94.24+0.75%
Vanguard High Dividend Yield ETFVYM- Market value
- 26.95M
- Weight
- 0.03%
- AUM
- 99.2B USD
- Expense ratio
- 0.04%
- Price / 1D
- $164.97+0.59%
iShares Russell Mid-Cap ETFIWR- Market value
- 25.62M
- Weight
- 0.04%
- AUM
- 57.66B USD
- Expense ratio
- 0.18%
- Price / 1D
- $113.44+0.70%
iShares MSCI Emerging Markets ex China ETFEMXC- Market value
- 17.52M
- Weight
- 0.07%
- AUM
- 24.86B USD
- Expense ratio
- 0.25%
- Price / 1D
- $97.80+0.85%
iShares MSCI Emerging Markets ETFEEM- Market value
- 16.36M
- Weight
- 0.05%
- AUM
- 31.22B USD
- Expense ratio
- 0.72%
- Price / 1D
- $67.12+0.75%
iShares Russell 1000 Value ETFIWD- Market value
- 13.92M
- Weight
- 0.02%
- AUM
- 83.81B USD
- Expense ratio
- 0.18%
- Price / 1D
- $257.29+0.44%
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