XP Inc. XP

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14.29 USD -0.76 -5.05%

At close · Oct 30

14.29 0.00 -0.01%

After hours · Oct 30, 7:59 PM ET

Bid
14.31 × 2
Ask
14.32 × 2
14.21 Day range 14.61
14.29 52-week range 32.60
YTD
-12.71%
1 year
-20.17%
Open
14.47
Prev close
15.05
Mkt cap
7.25B
Vol
20.54M
Avg vol
11.50M
EPS
1.91
P/E
7.48
Div yield
1.33%
More statistics
Low
14.21
High
14.61
Forward P/E
5.80
Beta
1.03
Short ratio
1.96
Inst. own
83.43%
Dividend
0.20
Ex-div date
Jun 9, 2026
Earnings
Nov 16, 2026
50-d avg
22.44
200-d avg
19.23
1y target
24.80

5D chart

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Interval

Events in this range
  • Oct 27, 2026Downgrade: Citigroup · Buy → Neutral
Signals (106)
NameTimeAgo
SMA: BearishOct 30, 4:00 PM1 day ago
SMA: BullishOct 30, 3:55 PM1 day ago
SMA: BearishOct 30, 3:35 PM1 day ago
SMA: BearishOct 30, 3:35 PM1 day ago
SMA: BullishOct 30, 3:30 PM1 day ago
MACD: Buy SignalOct 30, 3:10 PM1 day ago
SMA: BullishOct 30, 3:05 PM1 day ago
MACD: Sell SignalOct 30, 1:30 PM1 day ago
SMA: BearishOct 30, 1:10 PM1 day ago
SMA: BearishOct 30, 1:10 PM1 day ago
SMA: BullishOct 30, 12:35 PM1 day ago
SMA: BullishOct 30, 12:25 PM1 day ago
SMA: BearishOct 30, 11:30 AM1 day ago
SMA: BullishOct 30, 10:40 AM1 day ago
MACD: Buy SignalOct 30, 10:40 AM1 day ago
RSI: OversoldOct 30, 10:15 AM1 day ago
SMA: BearishOct 30, 9:30 AM1 day ago
SMA: BearishOct 30, 9:30 AM1 day ago
MACD: Sell SignalOct 30, 9:30 AM1 day ago
RSI: OversoldOct 30, 9:30 AM1 day ago
SMA: BullishOct 29, 3:45 PM2 days ago
SMA: BearishOct 29, 3:40 PM2 days ago
SMA: BullishOct 29, 3:30 PM2 days ago
SMA: BullishOct 29, 3:15 PM2 days ago
SMA: BullishOct 29, 2:50 PM2 days ago
SMA: BullishOct 29, 2:45 PM2 days ago
MACD: Buy SignalOct 29, 2:45 PM2 days ago
MACD: Sell SignalOct 29, 2:35 PM2 days ago
SMA: BearishOct 29, 2:00 PM2 days ago
SMA: BullishOct 29, 1:55 PM2 days ago
SMA: BearishOct 29, 1:50 PM2 days ago
SMA: BullishOct 29, 1:45 PM2 days ago
SMA: BearishOct 29, 12:50 PM2 days ago
SMA: BullishOct 29, 12:40 PM2 days ago
SMA: BearishOct 29, 12:10 PM2 days ago
SMA: BullishOct 29, 11:45 AM2 days ago
MACD: Buy SignalOct 29, 11:40 AM2 days ago
RSI: OversoldOct 29, 11:15 AM2 days ago
RSI: OversoldOct 29, 11:00 AM2 days ago
SMA: BearishOct 29, 10:45 AM2 days ago
SMA: BullishOct 29, 10:35 AM2 days ago
SMA: BearishOct 29, 9:30 AM2 days ago
SMA: BearishOct 29, 9:30 AM2 days ago
MACD: Sell SignalOct 29, 9:30 AM2 days ago
RSI: OversoldOct 29, 9:30 AM2 days ago
MACD: Buy SignalOct 28, 3:35 PM3 days ago
SMA: BullishOct 28, 3:30 PM3 days ago
SMA: BullishOct 28, 3:25 PM3 days ago
SMA: BearishOct 28, 3:15 PM3 days ago
MACD: Sell SignalOct 28, 3:15 PM3 days ago
SMA: BearishOct 28, 3:10 PM3 days ago
MACD: Buy SignalOct 28, 2:35 PM3 days ago
SMA: BullishOct 28, 2:25 PM3 days ago
SMA: BullishOct 28, 2:25 PM3 days ago
SMA: BearishOct 28, 2:15 PM3 days ago
SMA: BearishOct 28, 2:15 PM3 days ago
SMA: BullishOct 28, 2:05 PM3 days ago
SMA: BullishOct 28, 1:50 PM3 days ago
MACD: Sell SignalOct 28, 1:25 PM3 days ago
SMA: BullishOct 28, 12:00 PM3 days ago
SMA: BearishOct 28, 11:55 AM3 days ago
MACD: Buy SignalOct 28, 11:10 AM3 days ago
RSI: OversoldOct 28, 10:45 AM3 days ago
MACD: Sell SignalOct 28, 10:20 AM3 days ago
SMA: BearishOct 28, 10:10 AM3 days ago
SMA: BearishOct 28, 10:10 AM3 days ago
SMA: BullishOct 28, 10:05 AM3 days ago
MACD: Buy SignalOct 28, 10:05 AM3 days ago
SMA: BullishOct 28, 10:00 AM3 days ago
RSI: OversoldOct 28, 9:30 AM3 days ago
SMA: BearishOct 27, 3:10 PM4 days ago
SMA: BullishOct 27, 3:05 PM4 days ago
MACD: Sell SignalOct 27, 2:45 PM4 days ago
SMA: BearishOct 27, 2:35 PM4 days ago
SMA: BearishOct 27, 2:35 PM4 days ago
SMA: BullishOct 27, 2:00 PM4 days ago
MACD: Buy SignalOct 27, 1:45 PM4 days ago
SMA: BullishOct 27, 1:25 PM4 days ago
SMA: BearishOct 27, 12:40 PM4 days ago
MACD: Sell SignalOct 27, 12:20 PM4 days ago
MACD: Buy SignalOct 27, 11:35 AM4 days ago
SMA: BullishOct 27, 11:10 AM4 days ago
SMA: BearishOct 27, 11:05 AM4 days ago
SMA: BullishOct 27, 11:00 AM4 days ago
SMA: BullishOct 27, 11:00 AM4 days ago
SMA: BearishOct 27, 10:55 AM4 days ago
SMA: BullishOct 27, 10:50 AM4 days ago
MACD: Sell SignalOct 27, 10:20 AM4 days ago
SMA: BearishOct 27, 10:15 AM4 days ago
RSI: OverboughtOct 27, 9:45 AM4 days ago
SMA: BearishOct 26, 3:55 PM5 days ago
SMA: BullishOct 26, 3:15 PM5 days ago
MACD: Buy SignalOct 26, 3:15 PM5 days ago
SMA: BullishOct 26, 3:10 PM5 days ago
SMA: BearishOct 26, 2:40 PM5 days ago
SMA: BullishOct 26, 2:20 PM5 days ago
SMA: BearishOct 26, 1:40 PM5 days ago
SMA: BullishOct 26, 12:45 PM5 days ago
SMA: BearishOct 26, 12:40 PM5 days ago
MACD: Sell SignalOct 26, 12:40 PM5 days ago
SMA: BullishOct 26, 12:30 PM5 days ago
SMA: BearishOct 26, 12:20 PM5 days ago
SMA: BullishOct 26, 11:10 AM5 days ago
SMA: BearishOct 26, 10:50 AM5 days ago
SMA: BullishOct 26, 10:40 AM5 days ago
SMA: BearishOct 26, 10:20 AM5 days ago

Financial health

Altman Z-Score

0.04 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 5
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 4
  • P/B 2

Valuation

P/E 9.1×
FY 2016: 255×FY 2017: 152×FY 2018: 159×FY 2019: 73.1×FY 2020: 54.8×FY 2021: 24.9×FY 2022: 12.6×FY 2023: 17.7×FY 2024: 8.9×FY 2025: 9.1×
FY 2016 5y median 12.6× FY 2025
P/S 2.6×
FY 2016: 52.6×FY 2017: 31.5×FY 2018: 23.4×FY 2019: 15.3×FY 2020: 13.2×FY 2021: 6.9×FY 2022: 3.2×FY 2023: 4.6×FY 2024: 2.0×FY 2025: 2.6×
FY 2016 5y median 3.2× FY 2025
P/B 2.0×
FY 2016: 59.2×FY 2017: 55.0×FY 2018: 35.4×FY 2019: 11.0×FY 2020: 10.4×FY 2021: 6.2×FY 2022: 2.6×FY 2023: 3.5×FY 2024: 2.0×FY 2025: 2.0×
FY 2016 5y median 2.6× FY 2025
P/FCF 4.0×
FY 2016: -2303×FY 2017: 298×FY 2018: -124×FY 2019: -19.8×FY 2020: 93.3×FY 2021: -20.5×FY 2022: 26.8×FY 2023: 8.7×FY 2024: 3.7×FY 2025: 4.0×
FY 2016 5y median 4.0× FY 2025
EV/EBITDA 19.5×
FY 2016: 166×FY 2017: 93.3×FY 2018: 100×FY 2019: 57.4×FY 2020: 54.6×FY 2021: 26.6×FY 2022: 18.4×FY 2023: 28.2×FY 2024: 21.8×FY 2025: 19.5×
FY 2016 5y median 21.8× FY 2025
EV/Sales 6.7×
FY 2016: 52.6×FY 2017: 32.1×FY 2018: 25.7×FY 2019: 18.6×FY 2020: 16.7×FY 2021: 8.9×FY 2022: 5.4×FY 2023: 9.0×FY 2024: 7.5×FY 2025: 6.7×
FY 2016 5y median 7.5× FY 2025
FCF Yield 25.0%
FY 2016: -0.0%FY 2017: 0.3%FY 2018: -0.8%FY 2019: -5.0%FY 2020: 1.1%FY 2021: -4.9%FY 2022: 3.7%FY 2023: 11.5%FY 2024: 26.9%FY 2025: 25.0%
FY 2016 5y median 11.5% FY 2025

Profitability

Gross Margin 67.4%
FY 2016: 66.4%FY 2017: 67.1%FY 2018: 64.8%FY 2019: 66.4%FY 2020: 65.6%FY 2021: 68.8%FY 2022: 68.7%FY 2023: 67.4%FY 2024: 67.7%FY 2025: 67.4%
FY 2016 5y median 67.7% FY 2025
Operating Margin 32.4%
FY 2016: 30.1%FY 2017: 34.3%FY 2018: 25.5%FY 2019: 31.1%FY 2020: 30.1%FY 2021: 32.0%FY 2022: 28.6%FY 2023: 30.7%FY 2024: 33.2%FY 2025: 32.4%
FY 2016 5y median 32.0% FY 2025
Net Margin 27.8%
FY 2016: 15.0%FY 2017: 21.5%FY 2018: 15.5%FY 2019: 20.3%FY 2020: 24.3%FY 2021: 28.8%FY 2022: 26.1%FY 2023: 25.9%FY 2024: 26.1%FY 2025: 27.8%
FY 2016 5y median 26.1% FY 2025
ROE 21.5%
FY 2016: 16.9%FY 2017: 37.5%FY 2018: 23.5%FY 2019: 14.7%FY 2020: 19.2%FY 2021: 25.9%FY 2022: 21.8%FY 2023: 19.7%FY 2024: 25.8%FY 2025: 21.5%
FY 2016 5y median 21.8% FY 2025
ROIC 1.4%
FY 2016: 5.6%FY 2017: 13.0%FY 2018: 4.8%FY 2019: 3.3%FY 2020: 3.3%FY 2021: 4.2%FY 2022: 3.4%FY 2023: 2.7%FY 2024: 2.6%FY 2025: 1.4%
FY 2016 5y median 2.7% FY 2025
ROA 1.3%
FY 2016: 4.2%FY 2017: 6.0%FY 2018: 2.8%FY 2019: 2.4%FY 2020: 2.2%FY 2021: 2.7%FY 2022: 1.9%FY 2023: 1.5%FY 2024: 1.5%FY 2025: 1.3%
FY 2016 5y median 1.5% FY 2025

Growth (YoY)

Revenue -8.2%
FY 2016: 77.9%FY 2017: 69.8%FY 2018: 58.1%FY 2019: 63.7%FY 2020: 66.4%FY 2021: 50.9%FY 2022: 9.3%FY 2023: 4.5%FY 2024: 34.1%FY 2025: -8.2%
FY 2016 FY 2025
Operating Income -10.3%
FY 2016: 91.3%FY 2017: 93.3%FY 2018: 17.8%FY 2019: 99.2%FY 2020: 61.3%FY 2021: 60.3%FY 2022: -2.5%FY 2023: 12.3%FY 2024: 45.1%FY 2025: -10.3%
FY 2016 FY 2025
EPS (diluted) 18.1%
FY 2016: 41.9%FY 2017: 70.5%FY 2018: 12.0%FY 2019: 151.2%FY 2020: 75.8%FY 2021: 68.7%FY 2022: -0.2%FY 2023: 14.6%FY 2024: 14.9%FY 2025: 18.1%
FY 2016 FY 2025
Free Cash Flow 9.1%
FY 2016: -114.9%FY 2017: 887.0%FY 2018: -380.7%FY 2019: -569.9%FY 2020: 130.7%FY 2021: -458.7%FY 2022: 138.3%FY 2023: 373.0%FY 2024: 36.8%FY 2025: 9.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.6×
FY 2016: 0.1×FY 2017: 0.5×FY 2018: 0.7×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.8×FY 2022: 0.7×FY 2023: 1.0×FY 2024: 0.8×FY 2025: 0.6×
FY 2016 5y median 0.8× FY 2025
Quick Ratio 0.6×
FY 2016: 0.1×FY 2017: 0.5×FY 2018: 0.7×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.8×FY 2022: 0.7×FY 2023: 1.0×FY 2024: 0.8×FY 2025: 0.6×
FY 2016 5y median 0.8× FY 2025
Debt / Equity 3.6×
FY 2016: 0.0×FY 2017: 1.2×FY 2018: 3.6×FY 2019: 2.4×FY 2020: 2.9×FY 2021: 2.0×FY 2022: 2.1×FY 2023: 3.5×FY 2024: 5.7×FY 2025: 3.6×
FY 2016 5y median 3.5× FY 2025
Net Debt / EBITDA 12.0×
FY 2016: -0.0×FY 2017: 1.8×FY 2018: 9.2×FY 2019: 10.2×FY 2020: 11.4×FY 2021: 5.9×FY 2022: 7.6×FY 2023: 13.7×FY 2024: 15.9×FY 2025: 12.0×
FY 2016 5y median 12.0× FY 2025
Interest Coverage 9.6×
FY 2016: 0.0×FY 2017: 10.8×FY 2018: 10.5×FY 2019: 19.6×FY 2020: 48.8×FY 2021: 29.4×FY 2022: 9.7×FY 2023: 7.5×FY 2024: 7.4×FY 2025: 9.6×
FY 2016 5y median 9.6× FY 2025

Dividends

Dividend Yield 1.0%
FY 2016: 0.3%FY 2017: 0.3%FY 2018: 0.4%FY 2019: 0.6%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 5.1%FY 2024: 5.1%FY 2025: 1.0%
FY 2016 5y median 1.0% FY 2025
Payout Ratio 9.8%
FY 2016: 98.7%FY 2017: 44.3%FY 2018: 66.4%FY 2019: 47.7%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 92.3%FY 2024: 39.3%FY 2025: 9.8%
FY 2016 5y median 9.8% FY 2025

Annual · latest fiscal year ends 2025-12-31