ScoreWhy is XP, Inc. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 21.51%
2
Healthy long term growth as Net Sales has grown by an annual rate of 15.10% and Operating profit at 17.56%
3
With a growth in Operating Profit of 19.49%, the company declared Very Positive results in Dec 25
- OPERATING CASH FLOW(Y) Highest at USD 9,438.86 MM
- INTEREST COVERAGE RATIO(Q) Highest at 1,389.56
- ROCE(HY) Highest at 24.57%
4
With ROE of 21.82%, it has a very attractive valuation with a 2.36 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 30.39%, its profits have risen by 11.4% ; the PEG ratio of the company is 0.7
5
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to XP, Inc. should be less than 10%
- Overall Portfolio exposure to Capital Markets should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Capital Markets)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is XP, Inc. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
XP, Inc.
33.58%
0.07
47.04%
S&P 500
13.68%
0.71
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.10%
EBIT Growth (5y)
17.56%
EBIT to Interest (avg)
22.07
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0.80
Tax Ratio
8.84%
Dividend Payout Ratio
0.01%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
32.58%
ROE (avg)
21.51%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
2.36
EV to EBIT
7.50
EV to EBITDA
7.15
EV to Capital Employed
3.42
EV to Sales
2.47
PEG Ratio
0.73
Dividend Yield
NA
ROCE (Latest)
45.58%
ROE (Latest)
21.82%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 9,438.86 MM
INTEREST COVERAGE RATIO(Q)
Highest at 1,389.56
ROCE(HY)
Highest at 24.57%
NET PROFIT(Q)
Highest at USD 245.11 MM
RAW MATERIAL COST(Y)
Fallen by 1.82% (YoY
CASH AND EQV(HY)
Highest at USD 4,220.79 MM
NET SALES(Q)
Highest at USD 924.33 MM
PRE-TAX PROFIT(Q)
Highest at USD 280.72 MM
-1What is not working for the Company
EPS(Q)
Lowest at USD 0
Here's what is working for XP, Inc.
Interest Coverage Ratio
Highest at 1,389.56 and Grown
In each period in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Operating Cash Flow
Highest at USD 9,438.86 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Profit
Highest at USD 245.11 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Sales
Highest at USD 924.33 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Pre-Tax Profit
Highest at USD 280.72 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Cash and Eqv
Highest at USD 4,220.79 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Raw Material Cost
Fallen by 1.82% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
Highest at USD 14.41 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for XP, Inc.
EPS
Lowest at USD 0
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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