XP logo

XP INC - CLASS A

XPNASDAQ
πŸ† #2113 by market capEarnings Nov 16US Equity
$20.27β–² $0.04 (+0.20%)
πŸŒ™ After hours$20.27β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–² 0.2%
7dβ–Ό 4.5%
14dβ–² 3.8%
30dβ–² 14.8%
ytdβ–² 23.7%
1yβ–² 6.6%
🏦Market Cap
$10.47B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
+8.9%
Slowing
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
111.1%
Strong
βš–οΈP/S Ratio
2.8x
Cheap
Otter Score
80
Good

Trading Snapshot

Day Range
$20.07 – $20.57
52-Week Range
β€”
Volume
$2.69B
Avg Volume
$3.18B
Shares Outstanding
516.7M
Next Earnings
Dec 14, 2026

Fundamentals Snapshot

Annual Revenue
$18.24B
Last Q Revenue
$4.99B
P/E Ratio
10.0
P/S Ratio
2.8x
EPS (TTM)
β€”
Dividend Yield
1.91%
Dilution (1yr)
βˆ’3.7%

Why Investors Own XP

  • βœ“High-growth profile β€” revenue up +36.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 47% gross margin and 27% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

XP logo

XP INC - CLASS A

XP
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$18.2Bβ–Ό βˆ’8.2% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
67.4%β–Ό βˆ’0.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$5.9Bβ–Ό βˆ’10.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$11.8Bβ–² +9.1% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
520.2Mβ–Ό βˆ’3.7% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$74.9Bβ–² +$34.6B YoY
StockOtter Β· stockotter.space

About XP INC - CLASS A

XP Inc. provides financial products and services in Brazil. The company operates XP Platform, an open product platform that provides clients to access investment products in the market comprising brokerage securities, fixed income securities, mutual, hedge, and private equity funds; derivatives and synthetic instruments; credit cards; loan operations/collateralized credit products; pension and social security funds, and life and travel insurance products; and other investment products comprising real estate funds, and equity and debt capital markets solutions, as well as wealth management services. It offers brokerage and issuer services to institutional and corporate clients. The company also manages mutual funds focused on stocks and macro strategies distributed to retail and to institutional clients; funds and managed portfolios for high-net-worth retail clients, and proprietary treasury funds; and passive mutual funds that track market indexes, and mutual and investment funds focused on fixed income, credit, real estate, infrastructure, and other alternative strategies. In addition, it offers securities brokerage services for institutional and retail investors; interdealer brokerage services for institutional traders; and commercial and investment banking products, such as loan operations and transactions in the foreign exchange markets and deposits, as well as develops and sells financial education courses and events online and in person to retail clients. The company offers its sell products and services through its omni-channel distribution network and online portals. XP Inc. was founded in 2001 and is based in George Town, the Cayman Islands.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
80/100

Analyst Ratings

β“˜
Consensus
Buy
19 analysts
Strong Buy5
Buy12
Hold2
Sell0
Strong Sell0
Ratings as of Sep 2026

Latest News & Updates

GuruFocusΒ·8d ago

XP Inc (XP) Stock Up 3.9% and Still Undervalued -- GF Score: 78/100

On September 21, 2026, XP Inc (XP) shares rose 3.9% today, closing at $20.78. The stock has shown strong price performance over the past month, with a gain of 2

247 WallstΒ·29d ago

Here Are Monday’s Top Wall Street Analyst Research Calls: AGCO Corporation, Deere & Co., Edison International, Lumentum Holdings, PG&E, Sempra Energy, STAG Industrial, Ticketplus, and More

Rate hike fears rattled markets heading into the Labor Day weekend, and Wall Street analysts responded with a flurry of bold calls on utilities, farm equipment giants, and a ticketing upstart that could reshape your port

Zacks Investment ResearchΒ·Aug 24

Wall Street Analysts Think XP Inc.A (XP) Could Surge 39.2%: Read This Before Placing a Bet

The mean of analysts' price targets for XP Inc.A (XP) points to a 39.2% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings

Zacks Investment ResearchΒ·Aug 19

XP or BX: Which Is the Better Value Stock Right Now?

Investors interested in stocks from the Financial - Miscellaneous Services sector have probably already heard of XP Inc.A (XP) and Blackstone Inc. (BX). But which of these two stocks is more attractive to value investors

Zacks Investment ResearchΒ·Aug 19

Are Investors Undervaluing XP (XP) Right Now?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and

Seeking AlphaΒ·Aug 18

XP Inc. Q2: Better, But Not Way Better (Upgrade)

XP Inc. delivered a solid Q2 with 8% revenue and 15% EBT growth, maintaining a robust 22.5% ROE. XP is evolving its ecosystem, expanding fee-based services to 26% of customers, and accelerating net new money inflows, esp