XP Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $21.50
P/E 1.7
EPS $9.72
Revenue $7.97B
ROE 23.7%
52W Range $15–$23

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10-Year Performance Revenue, net income, margins and EPS trends

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Revenue$7.97B
2017-12-31 → 2025-12-31
EPS$9.72
2017-12-31 → 2025-12-31
Free Cash Flow$11.84B
2019-12-31 → 2025-12-31
Net margin64.9%
2019-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend XP 5Y avg Peer Median Verdict
P/E 1.75Y avg ≈2.8 ≈2.8 · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

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Payout Ratio9.6%
Annualized Payout≈$0.20Paid annually
Ex-dateAmountCurrencyYield
Jun 10, 2026$0.20USD≈2.5%
Dec 10, 2025$0.18USD≈1.0%
Dec 10, 2024$0.65USD≈5.0%
Dec 12, 2023$0.73USD≈5.8%
Sep 11, 2023$0.58USD≈2.3%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

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Avg Surprise -0.99%
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 Aug 17, 2026 $2.67 $2.70 -0.99%
March 31, 2026 May 18, 2026 $2.49 $2.64 -5.6%
Dec. 31, 2025 $2.56 $2.59 -1.2%
Sept. 30, 2025 $2.46 $2.50 -1.4%
June 30, 2025 $2.46 $2.42 1.9%
March 31, 2025 $2.29 $2.26 1.5%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

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Income Statement 8
Metric Trend 20252024202320222021202020192018
Revenue $7.97B$7.42B$6.53B$5.94B$6.20B$5.02B$3.60B$2.05B
Pretax Income $5.45B$4.99B$3.94B$3.44B$3.82B$2.42B$1.54B$641M
Income Tax $279M$471M$37M$-136M$223M$340M$455M$175M
Net Income $5.17B$4.51B$3.90B$3.58B$3.59B$2.08B$1.08B$461M
EPS (Basic) $9.80$8.33$7.22$6.44$6.42$3.76$2.11$0.94
EPS (Diluted) $9.72$8.23$7.16$6.25$6.26$3.71$2.11$0.94
Shares (Basic) 527,318,000541,673,000539,835,000555,429,000559,004,000552,291,000511,462,000493,117,000
Shares (Diluted) 531,923,000548,319,000544,212,000573,006,000573,499,000559,108,000511,710,000493,117,000
Balance Sheet 7
Metric Trend 20252024202320222021202020192018
Cash & Equivalents $10.36B$5.61B$3.94B$3.55B$2.49B$1.95B$110M$68M
Receivables ······$462M$219M
PP&E (Net) $464M$450M$373M$311M$314M$204M$142M$99M
Intangibles ······$553M$505M
Total Assets $396.53B$347.46B$249.04B$192.03B$139.34B$96.03B$43.62B$17.72B
Total Liabilities $372.98B$327.41B$229.59B$174.99B$124.92B$85.13B$36.47B$15.63B
Stockholders' Equity $23.55B$20.04B$19.45B$17.04B$14.42B$10.89B$7.15B$2.08B
Cash Flow 6
Metric Trend 20252024202320222021202020192018
Operating Cash Flow $12.04B$11.18B$8.13B$1.80B$-4.02B$1.51B$-3.81B$-457M
CapEx $209M$145M$66M$45M$135M$145M$72M$83M
Investing Cash Flow $-716M$-1.67B$539M$-371M$-1.15B$-582M$-161M$-147M
Dividends Paid $495M$2.04B$3.54B$0$0$0$500M$325M
Financing Cash Flow $-4.93B$-5.78B$-4.39B$-200M$6.64B$789M$4.23B$380M
Free Cash Flow $11.84B$11.03B$8.06B$1.76B$-4.16B$1.37B$-3.89B·
Profitability 4
Metric Trend 20252024202320222021202020192018
Net Margin 64.9%60.8%59.7%60.2%57.9%41.4%30.0%·
Pretax Margin 68.4%67.2%60.3%58.0%61.6%48.3%42.9%·
ROA 1.4%1.5%1.8%2.2%3.0%3.0%3.5%·
ROE 23.7%22.9%21.4%22.8%28.4%23.0%23.4%·
Efficiency 2
Metric Trend 20252024202320222021202020192018
Asset Turnover 0.00.00.00.00.10.10.1·
Receivables Turnover ······10.6·
Per Share 3
Metric Trend 20252024202320222021202020192018
Revenue / Share $14.98$13.54$12.00$10.37$10.80$8.97$7.03·
Cash Flow / Share $22.64$20.39$14.93$3.15$-7.01$2.70$-7.45·
EPS (TTM) $9.72$8.23$7.16$6.25$6.26$3.71$2.11·
Valuation (TTM) 6
Metric Trend 20252024202320222021202020192018
Revenue TTM $7.97B$7.42B$6.53B$5.94B$6.20B$5.02B$3.60B·
Net Income TTM $5.17B$4.51B$3.90B$3.58B$3.59B$2.08B$1.08B·
P/E 1.71.43.62.54.610.718.2·
Earnings Yield 59.4%69.5%27.5%40.7%21.8%9.4%5.5%·
Payout Ratio 9.6%45.1%90.9%·0.00%0.00%46.3%·
Annual Payout $495M$2.04B$3.54B$0$0$0$500M·

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

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Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Revenue $7.97B $7.42B $6.53B $5.94B $6.20B
Net Income $5.17B $4.51B $3.90B $3.58B $3.59B
Diluted EPS $9.72 $8.23 $7.16 $6.25 $6.26

Institutional owners (13F) 364 filers · $5.7B total · As of Sept. 30, 2026

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Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 364
Value held $5.7B
New positions 44
Exited positions 66
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
44 (-34 vs prior Q) 66 (+18 vs prior Q) 117 (-35 vs prior Q) 137 (+33 vs prior Q) +913K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
BlackRock, Inc. $796,659,560 48,995,053 13.94% Shares
Dodge & Cox $529,495,713 32,564,312 9.26% Shares
ARGA Investment Management, LP $400,701,391 24,643,382 7.01% Shares
GENERAL ATLANTIC, L.P. $334,405,323 20,566,133 5.85% Shares
Capital World Investors $314,967,078 19,370,669 5.51% Shares
MASSACHUSETTS FINANCIAL SERVICES CO /MA/ $205,510,246 12,558,750 3.60% Shares
STATE STREET CORP $157,653,578 9,695,792 2.76% Shares
Ninety One UK Ltd $131,032,649 8,058,589 2.29% Shares
FMR LLC $129,698,027 7,976,508 2.27% Shares
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP $114,258,174 7,026,948 2.00% Shares
MARSHALL WACE, LLP $106,157,640 6,528,760 1.86% Shares
MORGAN STANLEY $105,525,451 6,489,878 1.85% Shares
Capital Research Global Investors $81,918,758 5,038,054 1.43% Shares
BANK OF AMERICA CORP /DE/ $78,560,630 4,831,527 1.37% Shares
GEODE CAPITAL MANAGEMENT, LLC $78,434,660 4,845,463 1.37% Shares
SPX Gestao de Recursos Ltda $78,261,526 4,813,132 1.37% Shares
FRANKLIN RESOURCES INC $72,688,590 4,470,393 1.27% Shares
SUSQUEHANNA INTERNATIONAL GROUP, LLP $70,363,524 4,327,400 1.23% Call option
Fisher Asset Management, LLC $66,759,852 4,105,772 1.17% Shares
Seafarer Capital Partners, LLC $63,592,860 3,911,000 1.11% Shares
VANGUARD GROUP INC $61,955,817 3,784,717 1.08% Shares
NORGES BANK $60,522,907 3,722,196 1.06% Shares
UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC $56,024,914 2,942,485 0.98% Shares
AMERICAN CENTURY COMPANIES INC $51,513,436 3,168,108 0.90% Shares
OAKTREE CAPITAL MANAGEMENT LP $50,679,314 3,116,809 0.89% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $49,608,382 3,050,946 0.87% Shares
Legal & General Group Plc $45,640,374 2,806,911 0.80% Shares
NORTHERN TRUST CORP $45,418,653 2,793,275 0.79% Shares
DZ BANK AG Deutsche Zentral Genossenschafts Bank, Frankfurt am Main $44,281,117 2,723,316 0.77% Shares
BAMCO INC /NY/ $42,833,198 2,634,268 0.75% Shares
ATMOS CAPITAL GESTAO DE RECURSOS LTDA. $35,628,912 2,191,200 0.62% Call option
ATMOS CAPITAL GESTAO DE RECURSOS LTDA. $33,866,361 2,082,802 0.59% Shares
BANK OF MONTREAL /CAN/ $32,195,532 1,980,045 0.56% Shares
Russell Investments Group, Ltd. $30,920,295 1,901,484 0.54% Shares
Navi International - Administradora e Gestora de Recursos Financeiros Ltda. $29,885,636 1,837,985 0.52% Shares
Ninety One North America, Inc. $29,626,456 1,822,045 0.52% Shares
NEW YORK STATE COMMON RETIREMENT FUND $28,743,436 1,767,739 0.50% Shares
UBS Group AG $28,045,297 1,724,803 0.49% Shares
Man Group plc $28,036,354 1,724,253 0.49% Shares
SEI INVESTMENTS CO $27,103,188 1,666,860 0.47% Shares
GOLDMAN SACHS GROUP INC $25,745,241 1,583,348 0.45% Shares
FEDERATED HERMES, INC. $25,107,879 1,544,150 0.44% Shares
Praetorian PR LLC $24,796,500 1,525,000 0.43% Shares
Fourth Sail Capital LP $24,400,732 1,500,660 0.43% Shares
Nuveen, LLC $23,546,074 1,448,098 0.41% Shares
FIL Ltd $21,794,904 1,340,400 0.38% Call option
DEUTSCHE BANK AG\ $21,720,434 1,335,820 0.38% Shares
Bridgewater Associates, LP $20,415,259 1,255,551 0.36% Shares
CITADEL ADVISORS LLC $20,283,228 1,247,431 0.35% Shares
Bank of New York Mellon Corp $20,106,287 1,236,549 0.35% Shares

Show all 364 institutional owners →

Activists & 5%+ owners 4 positions

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Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Filer Filed Stake Status Purpose Filing
XP Control LLC, Guilherme Dias Fernandes Benchimol ×7 filings July 7, 2026 18.70% Amendment · SEC
GENERAL ATLANTIC, L.P., General Atlantic GenPar, L.P., General Atlantic (XP) Bermuda, L.P., General Atlantic (XP) Delaware, LLC, GAP (Bermuda) L.P., General Atlantic Partners 92A, L.P., General Atlantic Partners 92B, L.P., General Atlantic Partners 92C, L.P., General Atlantic Partners 92D, L.P., General Atlantic Partners 92E, L.P., General Atlantic Partners 92F, L.P., General Atlantic Partners 92G, L.P., General Atlantic Partners 92H, L.P., General Atlantic Partners 92I, L.P., General Atlantic Partners 92J, L.P., General Atlantic Partners (Bermuda) IV, L.P., General Atlantic GenPar (Bermuda), L.P., GAP Coinvestments III, LLC, GAP Coinvestments IV, LLC, GAP Coinvestments V, LLC, GAP Coinvestments CDA, L.P., GAPCO Management GmbH, GAPCO GmbH & Co KG, General Atlantic Partners 100, L.P., General Atlantic Partners (Bermuda) EU, L.P., General Atlantic Partners (Lux) SCSp, General Atlantic GenPar (Lux) SCSp, General Atlantic (Lux) S.a r.l., General Atlantic (SPV) GP, LLC, General Atlantic (XP) II, L.P. ×4 filings Dec. 4, 2025 5.40% Amendment · SEC
Itaúsa S.A. ×9 filings July 21, 2023 · Initial filing · SEC
XPart S.A. June 10, 2021 · Initial filing · SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

Company insiders 1 insider · 0 officers · 1 directors

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Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Bruno Constantino Alexandre Dos Santos Director Sept. 16, 2026 S 1,500,000 0 1 $-2,413,372

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 31 ETFs

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Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
EWZ · iShares, Inc. 1.52% 6,675,226 SH Sept. 11, 2026 Daily
LRGF · iShares Trust 0.22% 397,314 SH Sept. 11, 2026 Daily
ESGE · iShares, Inc. 0.19% 689,548 SH Sept. 11, 2026 Daily
BKF · iShares, Inc. 0.19% 6,981 SH Sept. 11, 2026 Daily
PGHY · Invesco Exchange-Traded Fund Trust … 0.14% 320,000 Oct. 2, 2026 Daily
EMXF · iShares Trust 0.14% 11,725 SH Sept. 11, 2026 Daily
IYF · iShares Trust 0.12% 265,886 SH Sept. 11, 2026 Daily
SMMD · iShares Trust 0.11% 215,713 SH Sept. 11, 2026 Daily
VFQY · VANGUARD WELLINGTON FUND 0.09% 25,785 SH Aug. 19, 2026 Daily
EMXC · iShares, Inc. 0.08% 1,060,912 SH Sept. 11, 2026 Daily
VFVA · VANGUARD WELLINGTON FUND 0.08% 41,151 SH Aug. 19, 2026 Daily
IWS · iShares Trust 0.08% 592,349 SH Sept. 11, 2026 Daily
EQAL · Invesco Exchange-Traded Fund Trust … 0.07% 26,392 SH Oct. 2, 2026 Daily
EEM · iShares, Inc. 0.06% 1,022,908 SH Sept. 11, 2026 Daily
IWR · iShares Trust 0.06% 1,610,855 SH Sept. 11, 2026 Daily
IEMG · iShares, Inc. 0.06% 4,575,809 SH Sept. 11, 2026 Daily
NUEM · Nushares ETF Trust 0.04% 8,200 NS July 31, 2026 N-PORT
VYM · VANGUARD WHITEHALL FUNDS 0.03% 1,552,179 SH Aug. 19, 2026 Daily
ACWX · iShares Trust 0.02% 136,951 SH Sept. 11, 2026 Daily
IWD · iShares Trust 0.02% 871,248 SH Sept. 11, 2026 Daily
VONV · VANGUARD SCOTTSDALE FUNDS 0.02% 236,806 SH Aug. 19, 2026 Daily
IXUS · iShares Trust 0.02% 555,184 SH Sept. 11, 2026 Daily
IWB · iShares Trust 0.01% 283,478 SH Sept. 11, 2026 Daily
IWV · iShares Trust 0.01% 112,014 SH Sept. 11, 2026 Daily
VT · VANGUARD INTERNATIONAL EQUITY INDEX… 0.01% 335,556 SH Aug. 19, 2026 Daily
VONE · VANGUARD SCOTTSDALE FUNDS 0.01% 66,328 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.01% 33,314 SH Aug. 19, 2026 Daily
ESGV · VANGUARD WORLD FUND 0.01% 88,728 SH Aug. 19, 2026 Daily
ACWI · iShares Trust 0.01% 117,262 SH Sept. 11, 2026 Daily
CRBN · iShares Trust 0.00% 936 SH Sept. 11, 2026 Daily
SMLF · iShares Trust · 643,166 SH Sept. 11, 2026 Daily

XP Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

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rating · 19 analysts BUY
Median target $22.94 +6.7%
5 26.3% Strong Buy
12 63.2% Buy
2 10.5% Hold
0 0.0% Sell
0 0.0% Strong Sell

12-Month Price Target

11 analysts · 2026-09-29

Mean target $22.88 +6.4%

Now Current price $21.50
Low$19.85 Mean$22.88 High$25.69

Latest News Recent headlines mentioning this company

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Trading Signals Recent buy/sell signals with entry price and risk/reward ratio

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No open signal right now — no card is filled, and that's honest.

My Metrics Your personal watchlist — selected rows from Full Fundamentals

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Source: SEC 20-F filed Apr 29, 2026