XP Inc.
XP | NASDAQ
$14.29
-$0.76 (-5.05%)
At close: Oct 30, 2026, 4:00 PM ET
$14.38
+$0.09 (+0.63%)
Pre-market:
Nov 2, 2026, 7:58 AM ET
Market Data
Market Cap $7.39B
Enterprise Value $122.98B
Beta 1.03
Average Volume 9.86M
Shares Outstanding (Diluted) 520.55M
Shares Change YoY -2.85%
Institutional Ownership 64.23%
Exchange NASDAQ
ISIN KYG982391099
Price Performance
Price Change 1M -31.9%
Price Change 3M -16.2%
Price Change 6M -25.0%
Price Change YTD -12.7%
Price Change 1Y -21.6%
Price Change 3Y -28.6%
Price Change 5Y -56.5%
1M CAGR (ann.) -28.6%
1Y CAGR (ann.) -19.7%
5Y CAGR (ann.) -13.6%
All-Time CAGR -10.3%
Valuation
PE Ratio 7.46
Forward PE 6.37
PEG Ratio 0.62
Forward PEG 0.88
PS Ratio 2.03
Forward PS 1.80
PB Ratio 1.54
P/FCF Ratio 1.81
P/Adj. FCF Ratio 1.83
P/OCF Ratio 1.78
EV/Sales 6.38
EV/EBIT 19.76
EV/EBITDA 18.74
EV/FCF 5.72
Earnings Yield 13.0%
FCF Yield 53.4%
Adj. FCF Yield 53.1%
Financial Health
Net Debt R$84.52B
Total Debt R$92.75B
Cash & Short-Term Investments R$7.97B
Total Assets R$407.4B
Current Ratio 0.50
Quick Ratio 0.50
Debt / Equity Ratio 3.74
Debt / EBITDA 14.13
Debt / FCF 4.31
OCF / Debt 0.24
Interest Coverage 12.48
Altman Z-Score 0.04
Piotroski F-Score 4
Margins & Profitability
Gross Profit Margin 66.7%
Operating Profit Margin 31.8%
EBITDA Margin 34.1%
Net Profit Margin 27.6%
FCF Margin 111.7%
Adj. FCF Margin 111.0%
SBC / Revenue 0.7%
SBC Impact (per share) -0.6%
Returns
Return on Assets 1.3%
Return on Equity 22.1%
Return on Invested Capital 1.4%
Return on Capital Employed 1.9%
Return on Tangible Assets 1.3%
Historical Growth (CAGR)
Revenue CAGR 3Y 11.5%
Revenue CAGR 5Y 12.8%
Revenue CAGR 10Y 39.3%
EPS CAGR 3Y 15.9%
EPS CAGR 5Y 15.5%
EPS CAGR 10Y 41.1%
FCF CAGR 3Y 49.9%
FCF CAGR 5Y 64.0%
FCF CAGR 10Y 51.9%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 4
EPS Growth Next 3Y 15.3%
Revenue Growth Next 3Y 13.4%
Earnings Date Nov 16, 2026
EPS Estimate (next Q) $0.10
EPS Growth Est (next Q) 19.1%
Revenue Est (next Q) $180.3M
Revenue Growth Est (next Q) 16.1%
Fair Value Estimates
Graham Number $20.28
Graham Upside 41.9%
Lynch Fair Value $29.62
Lynch Upside 107.3%
Price Target $26.33
Price Target Upside 84.3%
Cash Flow
Operating Cash Flow R$21.83B
Free Cash Flow R$21.52B
Adj. Free Cash Flow R$21.39B
FCF Per Share $41.91
OCF Per Share $42.51
OCF/S Ratio 113.3%
Income Statement
Revenue R$19.27B
Gross Profit R$12.85B
Operating Income R$6.13B
EBITDA R$6.56B
Net Income R$5.32B
EPS (Diluted) $10.12
Revenue / Employee $2.39M
Profit / Employee $658.81K
Employees 8,069
Dividends
Annual Dividend $0.20
Dividend Yield 1.40%
Payout Ratio 2.0%
FCF Payout Ratio 4.7%
Adj. FCF Payout Ratio 4.7%
Dividend Growth (YoY) 11.1%
Pay Frequency Semi-Annual
Ex-Dividend Date Jun 10, 2026
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