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Xp Inc (XP)

Featured in High-Beta Stocks

XP Inc. is a Cayman Islands-based financial services company founded in 2001 and listed on the NASDAQ under the ticker XP. Through its XP Platform, the company provides access to a broad range of investment and banking-related products in Brazil. Its offerings include brokerage securities, fixed income products, mutual funds, hedge funds, private equity funds, derivatives, synthetic instruments, credit cards, loan and collateralized credit products, pension and social security funds, insurance products, and real estate funds, along with equity and debt capital markets solutions and wealth management services. XP also serves institutional and corporate clients with brokerage and issuer services, and provides interdealer brokerage, commercial and investment banking services, foreign exchange transactions, and deposit-related products. In addition, the company develops and sells financial education courses and events through online and in-person channels.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-XP
$20.96
26.3% Upside
Undervalued
$23.54
41.8% Upside
Undervalued
Good
—
—
0.38
2.3%
August 18, 2026
8.3x
1.8x
2.4x
8.632 B
—
79.2%
79.9%
4.9
9.4%
364.7%
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Valuation • Fair Value

Xp Inc (NASDAQ-XP) Fair Value by Valuation Model

Compare the primary fair value estimate for Xp Inc (NASDAQ-XP) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$20.96

Estimated upside of 26.3% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$22.18

Classic Ben Graham valuation formula reference.

DDM Fair Value

NM

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$20.96

Comparable-company valuation reference.

Analyst Price Target

$23.54

Analysts imply upside of 41.8%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Xp Inc (NASDAQ-XP) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Xp Inc (NASDAQ-XP)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

3.509 B

Current operating scale indicator.

Revenue Forecast

3.955 B

Forward revenue estimate.

EBITDA

1.172 B

Current operating profitability reference.

EBITDA Forecast

1.324 B

Forward operating profitability estimate.

How to read profitability and growth

This section helps investors review Xp Inc (NASDAQ-XP) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Xp Inc (NASDAQ-XP)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Good

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

4.9

Relatively strong balance-sheet zone.

FCF / Net Income

364.7%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Xp Inc (NASDAQ-XP). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Xp Inc (NASDAQ-XP)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

August 18, 2026

Days to Earnings

28

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

2.3%

Income yield reference.

Upcoming Dividend

0.38

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

9.4%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Xp Inc (NASDAQ-XP), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Xp Inc (NASDAQ-XP) Stock Forecast & Technical Outlook

Review Xp Inc (NASDAQ-XP) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Xp Inc (NASDAQ-XP) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Xp Inc (NASDAQ-XP) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Neutral

The daily technical read for Xp Inc (NASDAQ-XP) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Sell

The weekly technical read for Xp Inc (NASDAQ-XP) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Sell

The monthly technical read for Xp Inc (NASDAQ-XP) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Xp Inc (NASDAQ-XP)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Strong Buy

Based on the available recommendation mix, Xp Inc (NASDAQ-XP) has a Strong Buy consensus, with 8 buy, 2 hold and 0 sell recommendations in the current data set.

Buy 8
Hold 2
Sell 0
FAQ • Fast Investor Answers

Xp Inc (NASDAQ-XP) Stock FAQ

Quick answers about Xp Inc (NASDAQ-XP) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$20.96
Estimated upside 26.3%
Valuation Rating
Undervalued
Estimated upside of 26.3%
Analyst Target
$23.54
Implied upside 41.8%
Financial Health
Good
Current financial-health read

The current fair value estimate for Xp Inc (NASDAQ-XP) is $20.96. This implies an estimated upside of 26.3% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 26.3% versus the current market price.

The available analyst price target for Xp Inc (NASDAQ-XP) is $23.54. The analyst target implies estimated upside of 41.8%.

The current financial health read for Xp Inc (NASDAQ-XP) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Xp Inc (NASDAQ-XP) is August 18, 2026.

Based on the current data, dividend yield is 2.3%, upcoming dividend amount is 0.38.

The current P/E ratio listed for Xp Inc (NASDAQ-XP) is 8.3x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Xp Inc is 8.632 B.

The ticker symbol for Xp Inc is NASDAQ-XP, and the stock is listed on NASDAQ.

Xp Inc (NASDAQ-XP) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Xp Inc is 79.2%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Xp Inc is 79.9%. Free float helps investors understand how much of the share base is available for public trading.

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