XP Inc. Class A Common Stock (XP)

Price$16.02

Value ScoreB

Growth ScoreC

Momentum ScoreD

Favorite Metrics

Price vs S&P 500 (26W)-28.96%

Price vs S&P 500 (4W)-9.69%

VGM Score51.91

Market Capitalization$1.52B

P/E Ratio (Annual)7.74x

Indicated Dividend Yield (Annual)0.98%

All Metrics

P/CF (Annual)3.32x

Book Value / Share (Quarterly)$9.39

P/TBV (Annual)2.15x

Indicated Dividend (Annual)$0.04

Revenue Growth (3Y)11.29%

Cash Flow / Share (Quarterly)$7.11

Payout Ratio (TTM)38.17%

Price vs S&P 500 (YTD)-12.59%

Net Profit Margin (TTM)28.00%

EPS (TTM)$1.95

10-Day Avg Trading Volume6.73M

EPS Excl Extra (TTM)$1.95

Revenue Growth (5Y)17.68%

EPS (Annual)$1.91

Dividend / Share (Annual)$0.18

ROI (Annual)4.75%

Net Profit Margin (5Y Avg)27.47%

Cash / Share (Quarterly)$3.34

P/E Basic Excl Extra (TTM)7.63x

Revenue Growth QoQ (YoY)7.59%

EPS Growth (5Y)21.21%

P/E Normalized (Annual)7.74x

ROA (Last FY)1.30%

Revenue Growth TTM (YoY)8.12%

EBITD / Share (TTM)$2.33

ROE (5Y Avg)22.09%

Operating Margin (TTM)31.79%

Cash Flow / Share (Annual)$4.37

P/B Ratio1.62x

P/B Ratio (Quarterly)2.08x

Net Income / Employee (Annual)$125,795

EV / Revenue (TTM)6.50x

Net Interest Coverage (TTM)11.69x

ROA (TTM)1.32%

EPS Growth QoQ (YoY)8.86%

EV / EBITDA (TTM)19.44x

EPS Incl Extra (Annual)$1.91

Current Ratio (Annual)0.19x

Quick Ratio (Quarterly)0.12x

3-Month Avg Trading Volume6.08M

52-Week Price Return-24.10%

EV / Free Cash Flow (Annual)10.54x

P/E Incl Extra (TTM)7.63x

Revenue / Employee (TTM)$455,707

Tangible BV / Share (Quarterly)$8.29

P/S Ratio (Annual)2.17x

Asset Turnover (Annual)0.05x

52-Week High$23.13

Operating Margin (5Y Avg)31.56%

EPS Excl Extra (Annual)$1.91

CapEx CAGR (5Y)10.92%

Tangible BV CAGR (5Y)15.34%

26-Week Price Return-21.16%

Quick Ratio (Annual)0.14x

13-Week Price Return-21.55%

Total Debt / Equity (Annual)3.62x

Current Ratio (Quarterly)0.17x

Enterprise Value$23.92B

Revenue / Share Growth (5Y)18.86%

Asset Turnover (TTM)0.05x

Book Value / Share Growth (5Y)18.43%

Revenue / Employee (Annual)$447,696

Pretax Margin (Annual)29.61%

Cash / Share (Annual)$3.92

3-Month Return Std Dev53.57%

Net Income / Employee (TTM)$127,602

EBITDA CAGR (5Y)19.07%

EBITDA Interim CAGR (5Y)11.82%

ROE (Last FY)21.96%

Net Interest Coverage (Annual)14.04x

EPS Basic Excl Extra (Annual)$1.91

P/FCF (TTM)1.88x

Receivables Turnover (TTM)17.93x

EV / Free Cash Flow (TTM)6.51x

Total Debt / Equity (Quarterly)3.67x

EPS Incl Extra (TTM)$1.95

Receivables Turnover (Annual)17.15x

ROI (TTM)4.51%

P/S Ratio (TTM)2.14x

Pretax Margin (5Y Avg)28.56%

Revenue / Share (Annual)$6.79

Tangible BV / Share (Annual)$7.87

Forward P/E7.39x

Free OCF CAGR (5Y)56.80%

Price vs S&P 500 (52W)-46.78%

P/E Ratio (TTM)7.63x

EPS Growth TTM (YoY)14.22%

Year-to-Date Return-4.40%

5-Day Price Return2.02%

EPS Normalized (Annual)$1.91

ROA (5Y Avg)1.72%

Net Profit Margin (Annual)28.10%

Month-to-Date Return-6.12%

Cash Flow / Share (TTM)$0.28

EBITD / Share (Annual)$2.31

EPS Growth (3Y)15.88%

Operating Margin (Annual)32.38%

LT Debt / Equity (Annual)0.10x

P/CF (TTM)2.07x

ROI (5Y Avg)5.15%

P/E Excl Extra (TTM)7.63x

LT Debt / Equity (Quarterly)0.10x

EPS Basic Excl Extra (TTM)$1.95

P/TBV (Quarterly)2.35x

Payout Ratio (Annual)9.57%

P/B Ratio (Annual)1.90x

Pretax Margin (TTM)29.52%

Book Value / Share (Annual)$8.91

Price vs S&P 500 (13W)-30.64%

Net Margin Growth (5Y)1.98%

Beta1.13x

P/FCF (Annual)3.46x

Revenue / Share (TTM)$7.00

ROE (TTM)22.27%

52-Week Low$14.80

vGradeB

gGradeC

mGradeD

vgmGradeC

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Earnings Surprise History

Q1 260.49est. 0.52

Analyst Recommendations

Mar 2026

Apr 2026

May 2026

Jun 2026

4.11

Industry Peers — Security Brokers & Dealers(40)

Symbol	Value Score	Growth Score	Momentum Score	Price
XPXP Inc. Class A Common Stock	B	C	D	$16.02
MSMorgan Stanley	D	C	A	$214.04
GSGoldman Sachs Group Inc.	C	C	A	$1062.75
BLKBlackrock, Inc.	D	C	C	$1032.00
SCHWThe Charles Schwab Corporation	D	C	C	$91.10
IBKRInteractive Brokers Group, Inc. Class A Common Stock	D	B	A	$90.81
HOODRobinhood Markets, Inc. Class A Common Stock	F	B	B	$93.19
RJFRaymond James Financial, Inc.	C	C	C	$154.40
NMRNomura Holdings, Inc	B	C	B	$8.73
GLXYGalaxy Digital Inc. Class A Common Stock	C	—	A	$33.36
JEFJefferies Financial Group Inc.	B	D	B	$61.66

About

XP Inc is a technology-driven financial services platform operating in Brazil, offering low-fee brokerage and investment products to retail and institutional clients. The company generates revenue primarily through brokerage commissions on trading and investment activities. As a unified business segment, XP Inc leverages its technology platform to provide cost-effective financial solutions in the Brazilian market.