XP, Inc.

  • Market Cap: Small Cap
  • Industry: Capital Markets
  • ISIN: KYG982391099
USD
19.85
-0.17 (-0.85%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

8.64 M

Shareholding (Mar 2025)

FII

30.70%

Held by 224 FIIs

DII

25.69%

Held by 78 DIIs

Promoter

7.25%

How big is XP, Inc.?

22-Jun-2025

As of Jun 18, XP, Inc. has a market capitalization of 10,493.04 million, with net sales of 3,154.26 million and a net profit of 842.09 million for the latest four quarters. The balance sheet shows shareholder's funds of 3,244.42 million and total assets of 56,242.34 million.

As of Jun 18, XP, Inc. has a market capitalization of 10,493.04 million, categorizing it as a Mid Cap company.<BR><BR>As of Jun 18, the company reported net sales of 3,154.26 million and a net profit of 842.09 million for the latest four quarters.<BR><BR>As of Dec 24, the balance sheet shows shareholder's funds of 3,244.42 million and total assets of 56,242.34 million.

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What does XP, Inc. do?

22-Jun-2025

XP, Inc. is a Brazil-based financial services company offering a variety of financial products. As of March 2025, it reported net sales of $750 million and a net profit of $211 million, with a market cap of approximately $10.5 billion.

Overview:<BR>XP, Inc. is a Brazil-based company engaged in the financial services industry, offering a range of financial products and services.<BR><BR>Financial Snapshot:<BR>- Most recent Net Sales: 750 Million (Quarterly Results - Mar 2025)<BR>- Most recent Net Profit: 211 Million (Quarterly Results - Mar 2025)<BR>- Market-cap: USD 10,493.04 Million (Mid Cap)<BR><BR>Key Metrics:<BR>- P/E: 12.00<BR>- Dividend Yield: 0.05%<BR>- Debt Equity: -0.19<BR>- Return on Equity: 22.96%<BR>- Price to Book: 2.86<BR><BR>Contact Details:<BR>- Address: Av. Chedid Jafet 75, Torre Sul, 30th Floor VILA OLIMPIA None : D5 00000<BR>- Tel: 55 11 30750429<BR>- Website: https://www.xpinc.com/

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Should I buy, sell or hold XP, Inc.?

22-Jun-2025

Who are in the management team of XP, Inc.?

22-Jun-2025

As of March 2022, the management team of XP, Inc. includes CEO Guilherme Benchimol, CFO Bruno Constantino, and several directors: Bernardo Botelho, Geraldo Jose Carbone, Gabriel Da Rocha Leal, Julio Da Silva, and Francisco Eduardo de Almeida Pinto, along with a General Counsel. They oversee the company's operations and strategic direction.

As of March 2022, the management team of XP, Inc. includes the following individuals:<BR><BR>- Mr. Guilherme Benchimol, who serves as the Chairman of the Board and Chief Executive Officer.<BR>- Mr. Bruno Constantino Alexandre dos Santos, who is the Chief Financial Officer and a Director.<BR>- A General Counsel, who is also a Director (name not specified).<BR>- Mr. Bernardo Botelho, Director.<BR>- Mr. Geraldo Jose Carbone, Director.<BR>- Mr. Gabriel Da Rocha Leal, Director.<BR>- Mr. Julio Da Silva, Director.<BR>- Mr. Francisco Eduardo de Almeida Pinto, Director. <BR><BR>This team is responsible for overseeing the company's operations and strategic direction.

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Is XP, Inc. overvalued or undervalued?

20-Sep-2025

As of August 18, 2025, XP, Inc. is considered very attractive due to its undervalued status, evidenced by a P/E ratio of 12 and a year-to-date return of 69.70%, significantly outperforming the S&P 500's 12.22%.

As of 18 August 2025, the valuation grade for XP, Inc. has moved from attractive to very attractive, indicating a stronger position in the market. The company appears to be undervalued, supported by a P/E ratio of 12, an EV to EBIT of 8.48, and a Price to Book Value of 2.83. In comparison, Match Group, Inc. has a higher P/E ratio of 17.35, suggesting that XP, Inc. offers a more favorable valuation relative to its peers.<BR><BR>Despite a mixed performance in the longer term, XP, Inc. has shown impressive short-term returns, with a year-to-date return of 69.70% compared to the S&P 500's 12.22%. This strong performance reinforces the notion that XP, Inc. is currently undervalued in the market.

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Is XP, Inc. technically bullish or bearish?

28-Oct-2025

As of October 24, 2025, XP, Inc. shows a mildly bullish trend based on daily moving averages and monthly indicators, despite mixed signals from weekly MACD and Bollinger Bands, and has outperformed the S&P 500 in the past week but underperformed over longer periods.

As of 24 October 2025, the technical trend for XP, Inc. has changed from sideways to mildly bullish. The daily moving averages indicate a mildly bullish stance, while the weekly MACD and Bollinger Bands are mildly bearish, creating a mixed signal across different time frames. The monthly indicators, including MACD and KST, are mildly bullish, suggesting some underlying strength. <BR><BR>In terms of performance, XP, Inc. has outperformed the S&P 500 over the past week with a return of 6.16% compared to 1.92%, but it has underperformed over the longer periods, particularly in the 1-month and 3-year returns. Overall, the current technical stance is mildly bullish, driven primarily by daily moving averages and monthly indicators.

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iScoreScore
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Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
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 15.41% and Operating profit at 16.35%

 
3

With ROE of 22.96%, it has a fair valuation with a 2.83 Price to Book Value

4

High Institutional Holdings at 93.09%

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Capital Markets

stock-summary
Market cap

USD 9,766 Million (Small Cap)

stock-summary
P/E

12.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.06%

stock-summary
Debt Equity

-0.19

stock-summary
Return on Equity

21.18%

stock-summary
Price to Book

2.39

Revenue and Profits:
Net Sales:
800 Million
(Quarterly Results - Jun 2025)
Net Profit:
233 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
11.45%
0%
11.45%
6 Months
2.74%
0%
2.74%
1 Year
47.91%
0%
47.91%
2 Years
-17.02%
0%
-17.02%
3 Years
8.06%
0%
8.06%
4 Years
-31.55%
0%
-31.55%
5 Years
-48.45%
0%
-48.45%

XP, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
15.41%
EBIT Growth (5y)
16.35%
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
0.04%
Pledged Shares
0
Institutional Holding
93.09%
ROCE (avg)
32.58%
ROE (avg)
21.51%
Valuation key factors
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
2.83
EV to EBIT
8.48
EV to EBITDA
8.11
EV to Capital Employed
4.00
EV to Sales
2.84
PEG Ratio
NA
Dividend Yield
0.05%
ROCE (Latest)
47.17%
ROE (Latest)
22.96%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 81 Schemes (36.36%)

Foreign Institutions

Held by 224 Foreign Institutions (30.7%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is 6.67% vs -2.39% in Mar 2025",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is 10.31% vs 4.50% in Mar 2025",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Jun'25",
        "Mar'25",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "800.10",
          "val2": "750.10",
          "chgp": "6.67%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "275.30",
          "val2": "259.60",
          "chgp": "6.05%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "31.00",
          "val2": "30.30",
          "chgp": "2.31%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "-2.00",
          "val2": "-1.90",
          "chgp": "-5.26%",
          "chgp_class": "negative"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "233.20",
          "val2": "211.40",
          "chgp": "10.31%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "327.20%",
          "val2": "329.20%",
          "chgp": "-0.20%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2024 is 6.58% vs 13.73% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2024 is 7.28% vs 12.62% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "3,213.10",
          "val2": "3,014.60",
          "chgp": "6.58%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "1,115.80",
          "val2": "975.30",
          "chgp": "14.41%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "144.60",
          "val2": "123.60",
          "chgp": "16.99%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "-3.40",
          "val2": "-9.20",
          "chgp": "63.04%",
          "chgp_class": "positive"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "837.50",
          "val2": "780.70",
          "chgp": "7.28%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "331.90%",
          "val2": "306.80%",
          "chgp": "2.51%",
          "chgp_class": "positive"
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]
Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQstock-summary
Jun'25
Mar'25
Change(%)
Net Sales
800.10
750.10
6.67%
Operating Profit (PBDIT) excl Other Income
275.30
259.60
6.05%
Interest
31.00
30.30
2.31%
Exceptional Items
-2.00
-1.90
-5.26%
Consolidate Net Profit
233.20
211.40
10.31%
Operating Profit Margin (Excl OI)
327.20%
329.20%
-0.20%
USD in Million.
Direction Arrows
Net Sales

QoQ Growth in quarter ended Jun 2025 is 6.67% vs -2.39% in Mar 2025

Direction Arrows
Consolidated Net Profit

QoQ Growth in quarter ended Jun 2025 is 10.31% vs 4.50% in Mar 2025

Annual Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
3,213.10
3,014.60
6.58%
Operating Profit (PBDIT) excl Other Income
1,115.80
975.30
14.41%
Interest
144.60
123.60
16.99%
Exceptional Items
-3.40
-9.20
63.04%
Consolidate Net Profit
837.50
780.70
7.28%
Operating Profit Margin (Excl OI)
331.90%
306.80%
2.51%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in year ended Dec 2024 is 6.58% vs 13.73% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 7.28% vs 12.62% in Dec 2023

stock-summaryCompany CV
About XP, Inc. stock-summary
stock-summary
XP, Inc.
Capital Markets
Xp Inc is a Brazil-based company engaged in the financial services industry. The Company offers financial products and services through multiple channels, such as brokerage, investment advisory and asset management services. Its business activities include educating new classes of investors, democratizing access to a multiple financial service, developing financial products and technology applications, and providing customer service. The Company operates Open Product Platform, a financial product platform, which provides clients with access to over 600 investment products, including equity and fixed income securities, mutual and hedge funds, structured products, life insurance, pension plans, real-estate investment funds (REITs), among others. The Company serves retail clients, international clients and corporate and institutional clients in Brazil, such us fund managers, private banks, corporate treasuries and insurance companies.
Company Coordinates stock-summary
Company Details
Av. Chedid Jafet 75, Torre Sul, 30th Floor VILA OLIMPIA None : D5 00000
stock-summary
Tel: 55 11 30750429
stock-summary
Registrar Details