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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 $16.02, about 1276.7% undervalued vs fair value, -18.4% 1Y return, ranked 403/1037 in sector.
Metrics P/E 1.7× Rev Growth 145.6% ROE 23.3% Gross Margin 67.4% Div Yield 5.82%
USD 16.02
2.36%
(Delayed)
• Vol 90d: 55.4%
52-Week Range
Market Cap
$8.04B
Enterprise Value
$18.65B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Good
Valuation
Fair
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Good
Valuation
Fair
Completeness: 82%
Confidence: 56%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Dividend Jun 18
Earnings Aug 17 Estimated

Fair Value Snapshot

Bear Base Bull
$167
$221
$302
Current: $16.02 +1277% vs base

Engine Room Money Flow™

Mid Cap

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

Flow Steps
Total Revenue
$18.2B
145.6%%
Operating Income (FRE Proxy)
$5.9B
251%%
EBITDA
$6.3B
3.7%%
Net Income
$5.1B
12.3%%
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)
32.4%
Excellent

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
47.3% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
2
Active Leaks
2/2
Improving
0
High Impact
0
Critical
Locked Leak
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Moat Analysis Asset Management Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
67
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Fee Revenue Quality

Developing
43
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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 (40.7%), Profitability (34.8%), and Safety (24.5%). Growth 41% Safety 25% Profitability 35%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

75th percentile vs peers
76
Key Signals
Rev Growth YoY 1.46 92p Revenue CAGR 3Y 45.3% 82p EPS Growth YoY 15.8% 53p EPS CAGR 3Y 15.1% 71p
Strengths
  • Rev Growth YoY in top 20% of peers (1.46, 92th percentile)
  • Revenue CAGR 3Y in top 20% of peers (45.3%, 82th percentile)
  • ROE in top 20% of peers (23.2%, 86th percentile)
  • FCF Margin in top 20% of peers (64.9%, 80th percentile)
  • Growth above peer median with strong metric coverage (100%)
Risks

No significant risks identified for this axis.

Profitability

64th percentile vs peers
65
Key Signals
Strengths
Risks
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Safety

45th percentile vs peers
46
Key Signals
Strengths
Safety drilldowns are available to premium members.

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
$220.55
- - -
+1276.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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