Business Description
XP Inc
ISIN : KYG982391099
Share Class Description:
MIL:1XP: Class ATotal Employee Number:
8,069Compare
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Traded in other countries / regions
XP.USAXPBR31.Brazil1XP.ItalyXP9.GermanyXP N.Mexico IPO Date
2025-04-28Description
XP Inc is a Cayman Island-based technology-driven financial services platform. It is a provider of low-fee financial products and services in Brazil. The company evaluates its business through a single segment such as monitoring operations, making decisions on fund allocation, and evaluating the performance. It generates revenue through the Brokerage commission. Geographically, the company derives maximum revenue from Brazil and also has its presence in other countries.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.7 | |||||
Equity-to-Asset | 0.06 | |||||
Debt-to-Equity | 4.43 | |||||
Debt-to-EBITDA | 16.35 | |||||
Piotroski F-Score | 8/9 | |||||
Altman Z-Score | -0.04 | |||||
Beneish M-Score | -2.38 | |||||
WACC vs ROIC | ||||||
Growth Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 11.6 | |||||
3-Year EBITDA Growth Rate | 17.7 | |||||
3-Year FCF Growth Rate | 92.5 | |||||
3-Year Book Growth Rate | 11.5 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 12.31 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 12.22 |
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 91.3 | |||||
9-Day RSI | 65.79 | |||||
14-Day RSI | 48.21 | |||||
3-1 Month Momentum % | -8.2 | |||||
6-1 Month Momentum % | 4.19 | |||||
12-1 Month Momentum % | -15.23 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 0.71 | |||||
Quick Ratio | 0.71 | |||||
Cash Ratio | 0.35 | |||||
Days Sales Outstanding | 42.46 | |||||
Days Payable | 46.36 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 1.25 | |||||
Dividend Payout Ratio | 0.1 | |||||
Forward Dividend Yield % | 1.25 | |||||
5-Year Yield-on-Cost % | 1.25 | |||||
3-Year Average Share Buyback Ratio | 1.4 | |||||
Shareholder Yield % | -33.68 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 28.75 | |||||
Operating Margin % | -55.35 | |||||
Net Margin % | 63.67 | |||||
EBITDA Margin % | 76.42 | |||||
FCF Margin % | 139 | |||||
OCF Margin % | 144.88 | |||||
ROE % | 24.73 | |||||
ROA % | 1.46 | |||||
ROIC % | -1.26 | |||||
3-Year ROIIC % | -0.28 | |||||
ROC (Joel Greenblatt) % | 920.61 | |||||
ROCE % | 3.52 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 5 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 8.76 | |||||
Forward PE Ratio | 7.81 | |||||
Shiller PE Ratio | 16.86 | |||||
Price-to-Owner-Earnings | 2.89 | |||||
PS Ratio | 5.57 | |||||
PB Ratio | 1.94 | |||||
Price-to-Tangible-Book | 2.2 | |||||
Price-to-Free-Cash-Flow | 4.02 | |||||
Price-to-Operating-Cash-Flow | 3.86 | |||||
EV-to-EBIT | 12.75 | |||||
EV-to-Forward-EBIT | 11.23 | |||||
EV-to-EBITDA | 12.29 | |||||
EV-to-Forward-EBITDA | 10.68 | |||||
EV-to-Revenue | 9.4 | |||||
EV-to-Forward-Revenue | 3.76 | |||||
EV-to-FCF | 6.62 | |||||
Price-to-GF-Value | 0.47 | |||||
Price-to-Projected-FCF | 0.66 | |||||
Earnings Yield (Greenblatt) % | 7.84 | |||||
FCF Yield % | 25.94 | |||||
Forward Rate of Return (Yacktman) % | 26.8 |
XP Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
XP Inc Stock Events
| Event | Date | Price (€) | ||
|---|---|---|---|---|
| Third quarter earnings conference call for 2026 | 2026-11-17 17:00 | In 139 days | ||
| Third quarter earnings results for 2026 | 2026-11-17 | In 138 days | ||
| Second quarter earnings conference call for 2026 | 2026-08-18 17:00 | In 48 days | ||
| Second quarter earnings results for 2026 | 2026-08-18 | In 47 days | ||
| USD 0.200000 Cash Dividend | 2026-06-10 | 13.18 (+0.00%) | ||
| General meeting for 2026 | 2026-05-29 09:00 | 14.68 (-1.61%) | ||
| First quarter earnings conference call for 2026 | 2026-05-18 17:00 | 15.43 (+0.00%) | ||
| First quarter earnings results for 2026 | 2026-05-18 | 15.43 (+0.00%) | ||
| Annual report for 2025 | 2026-04-29 | 17.79 (+0.00%) | ||
| Fourth quarter earnings conference call for 2025 | 2026-02-12 17:00 | 17.15 (+1.29%) |
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