XP (XP) 5-Year EBITDA Growth Rate: 17.70% (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XP XP Inc XP
69 GF Score
Price $16.24
GF Value $23.02
Valuation Modestly Undervalued
! 6 Warning Signs
View Full Analysis

What is XP 5-Year EBITDA Growth Rate?

XP XP -2.61% 69 5-Year EBITDA Growth Rate is 17.70% as of Mar. 2026. GuruFocus rates XP with a GF Score™ of 69/100 and a GF Value™ of $23.02 (Modestly Undervalued). The stock has 6 warning signs investors should review.

XP's EBITDA per Share for the three months ended in Mar. 2026 was $0.54.

During the past 12 months, XP's average EBITDA Per Share Growth Rate was 10.10% per year. During the past 3 years, the average EBITDA Per Share Growth Rate was 17.70% per year. During the past 5 years, the average EBITDA Per Share Growth Rate was 17.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.

During the past 10 years, the highest 3-Year average EBITDA Per Share Growth Rate of XP was 56.20% per year. The lowest was 11.80% per year. And the median was 25.60% per year.


XP  (NAS:XP) 5-Year EBITDA Growth Rate Explanation

EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.

Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.

5-Year EBITDA Growth Rate gives an overview of the company's growth in operating profitability and is an important factor used in calculating Peter Lynch Fair Value.


XP 5-Year EBITDA Growth Rate Related Terms


XP vs RIOT, SNEX, WULF: 5-Year EBITDA Growth Rate Comparison

For the Capital Markets subindustry, XP's 5-Year EBITDA Growth Rate, along with its competitors' market caps and 5-Year EBITDA Growth Rate data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


XP 5-Year EBITDA Growth Rate vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, XP's 5-Year EBITDA Growth Rate distribution charts can be found below:

* The bar in red indicates where XP's 5-Year EBITDA Growth Rate falls into.


XP
69GF Score
XP Inc XP
5-Year EBITDA Growth Rate is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

XP 5-Year EBITDA Growth Rate Calculation

This is the 5-year average growth rate of EBITDA per Share. The growth rate is calculated with least square regression.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.

What does a 5-Year EBITDA Growth Rate of 17.70% mean?
XP (XP) has a 5-Year EBITDA Growth Rate of 17.70% as of Mar. 2026. 5-Year EBITDA Growth Rate is the 5-year average growth rate of EBITDA per share. View historical data for XP and its competitors.
Is XP's 5-Year EBITDA Growth Rate too high?
XP's current 5-Year EBITDA Growth Rate is 17.70%. Overall, XP has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does XP's 5-Year EBITDA Growth Rate compare to RIOT and SNEX?
XP's 5-Year EBITDA Growth Rate of 17.70% can be compared against companies in the Capital Markets industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year EBITDA Growth Rate for a Capital Markets company?
A good 5-Year EBITDA Growth Rate depends on the Capital Markets industry context. However, 5-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year EBITDA Growth Rate mean?
A high 5-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 5-Year EBITDA Growth Rate is the 5-year average growth rate of EBITDA per share. View historical data for XP and its competitors. XP's current 5-Year EBITDA Growth Rate is 17.70%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is XP stock overvalued right now?
Based on GuruFocus' analysis, XP (XP) is currently considered Modestly Undervalued. The stock's GF Value™ is $23.02, compared to a current price of $16.24 — trading 29.5% below its estimated fair value. The current 5-Year EBITDA Growth Rate is 17.70%. XP's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year EBITDA Growth Rate calculated?
5-Year EBITDA Growth Rate is calculated from a company's financial statements. For XP (XP), the current 5-Year EBITDA Growth Rate is 17.70% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is XP (XP) Overvalued in 2026?

Based on GuruFocus' analysis, XP stock appears to be undervalued. The current stock price of $16.24 is trading 29.5% below its estimated GF Value™ of $23.02. GuruFocus considers XP to be Modestly Undervalued.

Key valuation signals for XP:

  • 5-Year EBITDA Growth Rate: 17.70%
  • GF Value™: $23.02 vs. price of $16.24 (29.5% below fair value)
  • GF Score™: 69/100 with 6 warning signs

No single metric tells the full story. See the XP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


XP Business Description

Address 20, Genesis Close, George Town, Vila Olimpia, Grand Cayman, CYM, KY-1-1208
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.
69GF Score

Get the complete analysis for XP

5-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.24
Price
$23.02
GF Value