Price
No data yet.
Social Signal Score
Analyst Ratings
10 analystsRevenue
$4.99B+454.07%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Thiago Maffra
- Sector
- Financial Services
- Industry
- Financial - Capital Markets
- Employees
- 8,069
- Beta
- 1.10
- Country
- KY
- Piotroski score
- 5 / 9 (Middling)
- Altman Z-score
- 0.07
Financials
Revenue
$4.99B+454.1%Net Income
$1.42B+1136.6%EBITDA
$1.77B+772.8%Free Cash Flow
$11.12BEPS (diluted)
$2.74+1204.8%Shares Outstanding (diluted)
520.55M+2.1%Cash & Debt
$7.97BReturn of Capital
$1.34BDividend per Share
$0.20Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $18.24B | $5.07B | $9.80 |
| 2024 | $19.87B | $5.18B | $8.23 |
| 2023 | $14.82B | $3.84B | $7.16 |
| 2022 | $14.18B | $3.71B | $6.44 |
| 2021 | $12.97B | $3.73B | $6.42 |
| 2020 | $8.60B | $2.09B | $3.76 |
| 2019 | $5.17B | $1.05B | $2.11 |
| 2018 | $3.16B | $489.45M | $0.84 |
| 2017 | $2.00B | $428.77M | $0.75 |
| 2016 | $1.18B | $176.60M | $0.44 |
| 2015 | $661.14M | $75.80M | $0.31 |
| 2014 | $418.98M | $23.59M | $0.10 |
| 2013 | $31.89M | $31.89M | $0.13 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from XP's reported EPS growth of 43.4% a year over 12 years. Historical EPS growth of 43% reflects a recovery from a low base and won't persist. Capped at 30% as a starting point.
- EPS in 5 years
- $35.69
- Implied price
- $321.18
- Return from $21.50
- 71.7% a year
To earn 15.0% a year on these assumptions you'd need to buy at $159.68 — today's price is already 86.5% below that.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 5 | 7 | 9 | 11 | 13 |
|---|---|---|---|---|---|
| 20.0% | 40.9% | 50.8% | 58.5% | 65.0% | 70.6% |
| 25.0% | 46.8% | 57.0% | 65.1% | 71.9% | 77.7% |
| 30.0% | 52.7% | 63.3% | 71.7% | 78.8% | 84.8% |
| 35.0% | 58.6% | 69.6% | 78.3% | 85.6% | 92.0% |
| 40.0% | 64.4% | 75.9% | 84.9% | 92.5% | 99.1% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
70+40.00%Social Signal Score
Mentions (9)
- Newszacks.com·42d ago·Positive
Wall Street Analysts Think XP Inc.A (XP) Could Surge 39.2%: Read This Before Placing a Bet The mean of analysts' price targets for XP Inc.A (XP) points to a 39.2% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in the stock.
View source ↗ - Newszacks.com·47d ago·Positive
Are Investors Undervaluing XP (XP) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
View source ↗ - Newsseekingalpha.com·49d ago·Negative
XP Inc. Q2: Better, But Not Way Better (Upgrade) XP Inc. delivered a solid Q2 with 8% revenue and 15% EBT growth, maintaining a robust 22.5% ROE. XP is evolving its ecosystem, expanding fee-based services to 26% of customers, and accelerating net new money inflows, especially from retail. Despite improvements, XP faces persistent competition and macroeconomic risks, making its 8x earnings valuation reasonable but not compelling versus peers.
View source ↗ - Newsseekingalpha.com·49d ago·Positive
XP Inc. (XP) Q2 2026 Earnings Call Transcript XP Inc. (XP) Q2 2026 Earnings Call Transcript
View source ↗ - Newsmarketbeat.com·49d ago·Negative
XP Q2 Earnings Call Highlights XP NASDAQ: XP reported second-quarter 2026 gross revenue of BRL 5.1 billion, up 8% from a year earlier, as growth in equities, fund-platform fees and corporate banking partly offset pressure from credit-market volatility and weaker primary debt offerings.
View source ↗ - Newszacks.com·49d ago·Positive
XP Inc.A (XP) Tops Q2 Earnings Estimates XP Inc.A (XP) came out with quarterly earnings of $0.53 per share, beating the Zacks Consensus Estimate of $0.51 per share. This compares to earnings of $0.43 per share a year ago.
View source ↗ - Newsbusinesswire.com·49d ago·Negative
XP Inc. To Cancel Treasury Shares SÃO PAULO--(BUSINESS WIRE)--XP Inc. (Nasdaq: XP), announced today that its board of directors has approved the cancellation of existing treasury Class A shares held by the Company. The Company has cancelled in this date 11,791,755 Class A shares (2.3% of total shares). Total share count went from 520,292,030 to 508,500,275 after cancellation. About XP XP is a leading, technology-driven platform and a trusted provider of low-fee financial products and services in…
View source ↗ - Newsbusinesswire.com·49d ago·Neutral
XP Inc. Reports Second Quarter 2026 Results SÃO PAULO--(BUSINESS WIRE)--XP Inc. (NASDAQ: XP) (“XP” or the “Company”), a leading tech-enabled platform and a trusted pioneer in providing low-fee financial products and services in Brazil, reported today its financial results for the second quarter of 2026. Summary(1) Operating Metrics (unaudited) 2Q26 2Q25 YoY 1Q26 QoQ Total Client Assets (in R$ bn) 1,535 1,372 12% 1,529 0% Total Net Inflow (in R$ bn) 28 10 188% 14 94% Annualized Retail Take Rate 1…
View source ↗ - Newszacks.com·56d ago·Neutral
XP Inc.A (XP) to Report Q2 Results: Wall Street Expects Earnings Growth XP Inc.A (XP) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
View source ↗
Earnings
Mon, Nov 16(in 6 weeks)
Consensus estimate $0.53 per share
Typical surprise +0.0% (median, so one quarter with a near-zero estimate can't distort it)
- Mon, Aug 17$0.53 vs $0.50beat
- Mon, May 18$0.47 vs $0.49miss
- Thu, Feb 12$0.46 vs $0.45beat
- Mon, Nov 17$0.45 vs $0.46miss
- Mon, Aug 18$0.43 vs $0.43beat
- Tue, May 20$0.39 vs $0.40miss
Estimates and results for XP via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by XP officers and directors.
- Bought
- —
- Sold
- $2.4m
0 trades
2 trades
- Dos Santos Bruno Constantino Alexandresold
- Xpac Sponsor Llcsold
18 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
- Josh S. Gottheimerhouse · NJ05 · disclosed Jul 9, 2024 (21d later)Sell$1,001 - $15,000
- Thomas Hawley Tubervillesenate · AL · disclosed Feb 14, 2024 (26d later)Sell$15,001 - $50,000
- Thomas Hawley Tubervillesenate · AL · disclosed May 12, 2023 (39d later)Buy$1,001 - $15,000
- Thomas Hawley Tubervillesenate · AL · disclosed May 11, 2023 (38d later)Buy$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Aug 29, 2022 (45d later)Buy$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Jul 22, 2022 (38d later)Sell$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Jan 10, 2022 (19d later)Buy$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Jan 10, 2022 (20d later)Buy$1,001 - $15,000
Self-reported filings, amounts as brackets. Via Senate/House disclosures.