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XP Inc.
XP: NasdaqGSLowest reading is at 47 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Thiago Maffra
Market Cap
14.83 Billion USD
Sector
Financial Services
Website
https://www.xpinc.comLast Update
15/10/2026, 01:08:29
Description
XP Inc. engages in the provision of financial products and services in Brazil.
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Strongest readings
- ✔Estimated fair value sits 70.13% above the current price
- ✔Cashflow and earnings growth is strong (growth score 69 out of 100)
- ✔Share count has been falling at 1.72% per year
Weakest readings
- ✘Debt is high at 4.43 times equity
- ✘Dividend cover is thin (dividend score 21 out of 100)
- ✘Short-term liabilities exceed short-term assets (current ratio 0.71)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
Price / earnings (TTM) | N/A | 19.60x | ||
| ✔ | Margin of safety (DCF) | 70.13% | 17.95% | |
| ✘ | Revenue growth (5y average) | 9.96% | 10.97% | |
| ✘ | Dividend yield (TTM) | 0.00% | 1.85% | |
| ✔ | Share count, per year | -1.72% | 0.00% | |
| ✘ | Return on capital employed | 3.25% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
65 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
Price / earnings | N/A | 19.60x | ||
| ✔ | Free cashflow yield | 19.16% | 4.70% | |
| Price / earnings growth | N/A | 1.50x | ||
| Price / book | 0.53x | — | ||
| ✔ | Margin of safety | 70.13% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Estimated intrinsic value of 55.46 USD is above the current price of 29.23 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 228.1 USD ✔
Current Price: 32.6 USD
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
69 / 100Growing faster than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 9.96% | 10.97% | |
| ✔ | Earnings growth | 15.38% | 14.48% | |
| ✔ | Cashflow growth | 36.79% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Health
47 / 100Balance sheet is stretched on several measures.
Measured on Leverage and capital, Funding and liquidity, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| Altman-Z score | N/A | 3.00 | ||
| ✔ | Piotroski score | 7.00 | 5.00 | |
| ✘ | Debt / equity | 4.43x | 0.80x | |
| ✘ | Current ratio | 0.71x | 1.00x | |
| ✔ | Interest coverage | 9.71x | 2.50x | |
| ✘ | Free cashflow / debt | 0.11x | 0.15x | |
| ✔ | Debt / capital | 0.82x | 1.00x |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
21 / 100Cover is thin on at least one measure.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Dividend yield | 0.00% | 1.85% | |
| ✘ | Dividend growth | -75.72% | 0.00% | |
| ✔ | Payout ratio (earnings) | 0.00% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 0.00% | 65.00% | |
| ✘ | Worst year, last 5 years | -75.06% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Dividend growth has been slowing recently
- ✘The dividend was cut within the last five years (worst year -75.06% per share)
Management
59 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Return on equity | 21.95% | 15.00% | |
| ✘ | Return on capital employed | 3.25% | 10.00% | |
| Return on assets | 1.30% | — | ||
| Free cashflow return on capital | 6.18% | — | ||
| ✘ | Return on capital, 5y change | -0.51% | 0.00% | |
| ✔ | Share count, per year | -1.72% | 0.00% | |
| ✔ | Share count, recent | -23.07% | 0.00% | |
| ✘ | Realized buyback return | -22.71% | 0.00% | |
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 51.44% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Shares were repurchased while the value score was 65 out of 100
- ✘Return on equity of 21.95% is driven by debt rather than operations, because return on capital employed is only 3.25%
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
XP
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
XP Inc.
Currency
USD
Beta
1.104
Vol Avg
5809426
Ceo
Mr. Thiago Maffra
Cik
0001787425
Cusip
Exchange
NasdaqGS
Full Time Employees
Industry
Capital Markets
Sector
Financial Services
Ipo Date
Address
20, Genesis Close
City
George Town
State
Country
Cayman Islands
Zip
KY1-1208
Phone
Analysis Last Updated
15/10/2026, 01:08:29
Financial data compiled from SEC EDGAR filings and Yahoo Finance.