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Company Analysis

XP Inc. XP

A comprehensive view of key metrics, scores, and financial health for XP Inc.

Overview of XP Inc.

XP NMS
Financial Services Capital Markets Mid Cap
XP Inc. (XP), is a Mid Cap company, in the Capital Markets industry, last closed at $18.20, about 153.0% undervalued vs fair value, +17.7% 1Y return, ranked 402/1004 in sector.
$18.20
0.78%
As of March 13, 2026
Previous close • Vol 90d: 52.2%
52-Week Range
Market Cap
$9.64B
Enterprise Value
$20.25B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.xpinc.com
HQ Grand Cayman
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$26
$46
$86
Current: $18.20 +153% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$28.0M
62.4%%
Interest Expense
$613.1M
Net Interest Income
$-751.5M
-25.2%%
Total Revenue
$18.2B
145.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
22.5%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$2.4B
53.1% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating XP Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
68
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
63
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 97% Coverage
Trade-Off Triangle Visualization A ternary plot showing XP's balance between Growth (32.5%), Profitability (35.5%), and Safety (32.0%). Growth 32% Safety 32% Profitability 36%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

67th percentile vs peers
67
Key Signals
Rev Growth YoY 1.46 89p Revenue CAGR 3Y 45.3% 78p EPS CAGR 3Y 15.1% 50p TSR 46.2% 68p EPS Growth YoY 15.8% 31p
Strengths
  • Rev Growth Yoy in top 20% of peers (1.46, 89th percentile)
  • Growth above peer median with strong metric coverage (100%)
  • Operating Margin in top 20% of peers (32.4%, 81th percentile)
Risks

No significant risks identified for this axis.

Profitability

73th percentile vs peers
74
Key Signals
Strengths
Risks
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Safety

66th percentile vs peers
66
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for XP Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$46.05
- - -
+153.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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