XP
NASDAQ
KY
XP Inc. - Class A Common Stock
$18.61
▼ $-0.10
(-0.53%)
Vol 5.0M
10
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$8.6B
P/E
9.3
ROE
23.2%
Margin
28.2%
D/E
429.00
Beta
1.20
Div Yield
1.13%
52W
$11–$21
Wall Street Consensus
19 analysts · Apr 20265
Strong Buy
11
Buy
3
Hold
0
Sell
0
Strong Sell
84.2%
Buy Rating
Price Chart
Earnings
Beat rate: 50.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $2.59 | $2.56 | $-0.03 |
| Sep 2025 | $2.50 | $2.46 | $-0.04 |
| Jun 2025 | $2.42 | $2.46 | +$0.04 |
| Mar 2025 | $2.26 | $2.29 | +$0.03 |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 23.2% | 23.2% | 23.2% | 23.2% | 23.2% | 23.2% |
| P/E (TTM) | 11.75 | 9.51 | 10.41 | 9.65 | 11.16 | 9.35 |
| Net Margin | 29.6% | 28.0% | 28.0% | 28.0% | 28.0% | 28.2% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 420.24 | 420.24 | 420.24 | 420.24 | 420.24 | 429.00 |
| Current Ratio | 0.20 | 0.20 | 0.20 | 0.20 | 0.20 | 0.18 |
Key Ratios
ROA (TTM)
1.4%
P/S (TTM)
2.64
P/B
1.7
EPS (TTM)
$9.40
CF/Share
$1.45
Rev Growth 3Y
+12.1%
52W High
$20.64
52W Low
$10.82
$10.82
52-Week Range
$20.64
How does XP compare to Financial Services peers?
Peer group: Small-cap Financial Services ($300M+) · 132 companies
XP valuation vs Financial Services peers
P/E ratio
9.4
▼
24%
below
peers
(12.3)
vs Peers
vs Industry
Undervalued
P/S ratio
2.6
▼
19%
below
peers
(3.3)
vs Peers
vs Industry
Pricier
P/B ratio
1.7
▲
8%
above
peers
(1.6)
vs Peers
vs Industry
Fair value
Div yield
1.1%
▼
75%
below
peers
(4.5%)
vs Peers
vs Industry
Low yield
XP profitability vs Financial Services peers
ROE
23.2%
▲
89%
above
peers
(12.3%)
vs Peers
vs Industry
Top tier
Net margin
28.2%
▲
50%
above
peers
(18.9%)
vs Peers
vs Industry
Below avg
Gross margin
—
▼
0%
below
peers
(65.1%)
vs Peers
vs Industry
Top tier
ROA
1.4%
▼
52%
below
peers
(2.9%)
vs Peers
vs Industry
Weak
XP financial health vs Financial Services peers
D/E ratio
429.0
▲
314%
above
peers
(103.6)
vs Peers
vs Industry
High debt
Current ratio
0.2
▼
84%
below
peers
(1.2)
vs Peers
vs Industry
Low liquidity
Beta
1.2
▲
27%
above
peers
(1.0)
vs Peers
vs Industry
More volatile
XP fundamentals radar
XP
Peer median
Industry
XP profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
XP vs peers: key metrics
Related Signals
Latest AI Opinion
Grok
BUY
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