NASDAQ · Financial - Capital Markets

XP Inc. (XP) Stock

$32.22 +6.67% NASDAQ: XP Financial Services

Valuation

MetricValue
Price$32.22
Market Cap$16.86B
P/E Ratio13.91
P/B Ratio2.96
P/S Ratio3.88
EPS (TTM)$9.72
52-Week High$32.22
52-Week Low$14.80
Dividend Yield1.40%

Financials & Margins

MetricValue
ROE22.05%
ROA1.30%
ROCE1.93%
Gross Margin66.96%
Operating Margin31.84%
Net Margin27.59%
Debt/Equity3.74
Current Ratio0.56

Annual Financials (USD)

Metric20212022202320242025
Revenue$13.0B$14.2B$14.8B$19.9B$18.2B
Operating Profit$4.2B$4.0B$4.5B$6.6B$5.9B
Net Profit$3.7B$3.7B$3.8B$5.2B$5.1B
EPS$6.26$6.25$7.16$8.23$9.72
Op Margin32.0%28.6%30.7%33.2%32.4%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$139.3B$192.0B$249.0B$347.5B$396.5B
Total Liabilities$124.9B$175.0B$229.6B$327.4B$373.0B
Cash$2.5B$3.6B$3.9B$5.6B$10.4B
Borrowings$28.2B$35.5B$68.6B$115.1B$85.3B

Latest News

Has The Recent Slide In XP (XP) Created A Valuation Opportunity? Simply Wall St. · Jun 4, 2026 XP vs. FUTU: Which Stock Is the Better Value Option? Zacks · Jun 2, 2026 Is XP (XP) a Great Value Stock Right Now? Zacks · Jun 2, 2026 XP Inc. Q1 2026 Earnings Call Summary Moby · May 20, 2026 Stocks Settle Lower on Rising Bond Yields Barchart · May 19, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$-4.0B$1.8B$8.1B$11.2B$12.0B
Investing Cash Flow$-1.5B$-498.0M$343.0M$-2.0B$-925.0M
Financing Cash Flow$-3.0M$-1.8B$-922.0M$-1.4B$-1.9B
Net Cash Flow$1.1B$1.2B$4.2B$3.7B$6.3B
Free Cash Flow$-4.4B$1.7B$7.9B$10.8B$11.8B

Valuation & Return Ratios

MetricValue
PEG Ratio1.15
EV / EBITDA24.31
FCF Yield28.80%
Quick Ratio0.50
Interest Coverage12.48
Return 1Y102.74%
Return 3Y60.30%
Return 5Y-20.06%

Ownership

Insiders Held0.49%
Institutions Held83.86%
Institutions Float Held84.27%
Institutional HolderSharesReport Date
Blackrock Inc.46,513,1482026-03-31
Dodge & Cox Inc.32,726,6882026-03-31
ARGA Investment Management, LP20,699,1352026-03-31
General Atlantic, L.P.20,566,1332026-03-31
Capital World Investors19,103,2952026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $336.64 -1.11% 38.93 $4.94T 0.32%
MSFTMicrosoft Corporation $535.07 +2.38% 28.68 $3.97T 0.76%
GOOGLAlphabet Inc. $351.66 +0.97% 16.94 $4.26T 0.26%
AMZNAmazon.com, Inc. $262.43 +3.29% 19.82 $2.82T 0.00%
METAMeta Platforms, Inc. $718.67 -0.31% 27.93 $1.83T 0.28%

About XP Inc.

XP Inc. is led by CEO Thiago Maffra, employs 8,069 people, headquartered in George Town, KY, publicly traded since 2019.

XP Inc. (XP) stock trades at $32.22 with a market capitalization of $16.86B. The stock is valued at a price-to-earnings (P/E) ratio of 13.91, price-to-book of 2.96, price-to-sales of 3.88. Over the past 52 weeks the stock has ranged between $14.80 and $32.22, and currently trades at its 52-week high. It pays a dividend yielding 1.40%.

On profitability, XP Inc. generates a return on equity (ROE) of 22.05% — well above the market average, a sign of a high-quality business, return on capital employed of 1.93%, an operating margin of 31.84%, a net profit margin of 27.59%.

In its most recent fiscal year, XP Inc. reported annual revenue of $18.2B, net profit of $5.1B, revenue has compounded at 16.2% a year over the last five years, profit at 19.3% a year. Profit growing faster than revenue points to expanding margins.

The balance sheet shows a debt-to-equity ratio of 3.74 — a leveraged balance sheet worth monitoring, a current ratio of 0.56, total assets of $396.5B, $10.4B in cash and equivalents.

XP has a beta of 1.10.

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