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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 Framework: Asset Management & Capital Markets Mid Cap
XP Inc. (XP), is a Mid Cap company, in the Capital Markets industry, last closed at $16.83, about 1045.6% undervalued vs fair value, +2.6% 1Y return, ranked 534/1078 in sector.
Metrics P/E 1.7× Rev Growth 7.3% ROE 23.7% Gross Margin 24.5% Div Yield 5.82%
USD 16.83
-0.12%
(Delayed)
• Vol 90d: 48.9%
52-Week Range
Market Cap
$8.43B
Enterprise Value
$102.30B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Good
Growth
Weak
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Good
Completeness: 82%
Confidence: 88%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Aug 17 Estimated

Fair Value Snapshot

Bear Base Bull
$146
$193
$264
Current: $16.83 +1046% vs base

Engine Room Money Flow™

Mid Cap

Asset Management & Capital Markets - Where revenue goes and how value is created

Flow Steps
Total Revenue
$8.0B
7.3%%
Operating Income (FRE Proxy)
$-4.5B
-15.4%%
EBITDA
$6.4B
5.8%%
Net Income
$5.2B
14.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Asset Management & Capital Markets

Quality & Reliability Indicators

Operating Margin (FRE Proxy)
-56.7%
Poor

Operating Income / Revenue — proxy for Fee-Related Earnings margin

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$2.4B
46.3% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Asset Management Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
58
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Fee Revenue Quality

Developing
29
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Asset Managers, Capital Markets & Exchanges vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing XP's balance between Growth (36.9%), Profitability (39.0%), and Safety (24.0%). Growth 37% Safety 24% Profitability 39%

Click axes to expand details. Marker shows current allocation.

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Growth

55th percentile vs peers
55
Key Signals
EPS Growth YoY 18.1% 61p Rev Growth YoY 7.3% 51p Revenue CAGR 3Y 10.3% 51p EPS CAGR 3Y 15.9% 56p
Strengths
  • ROE in top 20% of peers (23.7%, 86th percentile)
  • FCF Margin in top 20% of peers (1.45, 86th percentile)
Risks

No significant risks identified for this axis.

Profitability

58th percentile vs peers
58
Key Signals
Strengths
Risks
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Safety

35th percentile vs peers
36
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
$192.81
- - -
+1045.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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