XP logo

XP INC - CLASS A

XPNASDAQ
πŸ† #2111 by market capUS Equity
$237.82β–² $15.93 (+6.70%)
Simulated price
πŸ””
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24hβ–² 6.7%
7dβ–² 1021.0%
14dβ–² 1118.3%
30dβ–² 1247.4%
ytdβ–² 1351.9%
1yβ–² 1150.4%
🏦Market Cap
$1.71B
Small 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
72
Fair

Trading Snapshot

Day Range
$235.49 – $241.33
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%

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
Revenue (TTM)The total money the company brought in from sales, before subtracting any costs.
$18.24Bβ–² +30.1% YoY
Gross Margin (TTM)Of every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
47.2%β–² +4.5% YoY
Operating Income (TTM)Profit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$3.67Bβ–² +30.1% YoY
Free Cash Flow (TTM)Cash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$4.94Bβ–² +30.1% 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
Fair
72/100

Analyst Price Target

β“˜
Average Target
$307.05
β–² +29.1% Upside
High Target$366.02
Low Target$239.67
Based on 30 analysts

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