XPXP -4.17%69 5-Year Yield-on-Cost % is 1.32 as of Jul. 08, 2026, which is 67% below its 10-year median of 4.01. GuruFocus rates XP with a GF Score™ of 69/100 and a GF Value™ of $35.24 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 364 Capital Markets companies, XP ranks worse than 76.65% on this metric.
XP's yield on cost for the quarter that ended in Mar. 2026 was 1.32.
The historical rank and industry rank for XP's 5-Year Yield-on-Cost % or its related term are showing as below:
XP'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.79 Med: 4.01 Max: 8.06
Current: 1.32
During the past 10 years, XP's highest Yield on Cost was 8.06. The lowest was 0.79. And the median was 4.01.
XP's 5-Year Yield-on-Cost % is ranked worse than 76.65% of 364
companies
in the Capital Markets industry
Industry Median: 3.01
vs XP: 1.32
XP (NAS:XP) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
XP 5-Year Yield-on-Cost % Related Terms
XP vs BMNR, HLI, JEF: 5-Year Yield-on-Cost % Comparison
For the Capital Markets subindustry, XP's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 Yield-on-Cost % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, XP's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where XP's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
XP (XP) has a 5-Year Yield-on-Cost % of 1.32 as of Jul. 08, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on XP and its competitors. This is 67% below median its historical median of 4.01. Over the past decade, XP's 5-Year Yield-on-Cost % has ranged from 0.79 to 8.06. According to the industry distribution chart, XP ranks #279 out of 364 companies in the Capital Markets industry, placing it in the top 76.6%.
Is XP's 5-Year Yield-on-Cost % too high?
XP's current 5-Year Yield-on-Cost % of 1.32 is 67% below median its 10-year median of 4.01. Over the past 10 years, this metric has ranged from a low of 0.79 to a high of 8.06. The Capital Markets industry median 5-Year Yield-on-Cost % is 3.01. XP's value of 1.32 is 56.1% below this industry median. Based on the distribution chart, XP ranks #279 out of 364 companies in the Capital Markets industry, which is in the bottom quartile relative to peers. Overall, XP has a GF Score™ of 69/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does XP's 5-Year Yield-on-Cost % compare to BMNR and HLI?
According to the Capital Markets industry distribution chart, XP ranks #279 out of 364 companies for 5-Year Yield-on-Cost %. This places XP in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.01. XP's value of 1.32 is 56.1% below this benchmark. Historically, XP's own 5-Year Yield-on-Cost % has ranged from 0.79 to 8.06 over the past decade. While the company's 10-year median is 4.01 vs. the industry median of 3.01, XP has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Capital Markets company?
The median 5-Year Yield-on-Cost % among Capital Markets companies is 3.01, based on 364 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XP's current 5-Year Yield-on-Cost % of 1.32 is 56.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on XP and its competitors. For the Capital Markets industry, the median 5-Year Yield-on-Cost % is 3.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XP's current 5-Year Yield-on-Cost % is 1.32, which is 67% below median its own 10-year median of 4.01. 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 Possible Value Trap. The stock's GF Value™ is $35.24, compared to a current price of $15.30 — trading 56.6% below its estimated fair value. The current 5-Year Yield-on-Cost % is 1.32, which is 67% below median its 10-year median of 4.01 and 56.1% below the Capital Markets industry median of 3.01. 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 Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For XP (XP), the current 5-Year Yield-on-Cost % is 1.32 as of Jul. 08, 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 $15.30 is trading 56.6% below its estimated GF Value™ of $35.24.
GuruFocus considers XP to be Possible Value Trap.
Key valuation signals for XP:
5-Year Yield-on-Cost %: 1.32 (67% below median its 10-year median of 4.01)
GF Value™: $35.24 vs. price of $15.30 (56.6% below fair value)
Industry Position: 56.1% below the Capital Markets median (#279 of 364)
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 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
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