NASDAQ · Financial - Capital Markets

XP (XP) Stock

$16.74 +0.30% NASDAQ: XP Financial Services

Valuation

MetricValue
Price$16.74
Market Cap$8.76B
P/E Ratio8.31
P/B Ratio1.75
P/S Ratio2.26
EPS (TTM)$9.72
52-Week High$23.13
52-Week Low$14.80
Dividend Yield2.39%

Financials & Margins

MetricValue
ROE22.94%
ROA1.37%
ROCE25.12%
Gross Margin66.96%
Operating Margin31.84%
Net Margin27.70%
Debt/Equity3.67
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 Ratio0.76
EV / EBITDA13.40
FCF Yield35.78%
Quick Ratio0.49
Interest Coverage9.65
Return 1Y1.65%
Return 3Y-27.16%
Return 5Y-52.70%

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
CIFR $22.32 -1.48% 42.68 $9.13B 0.00%
CMAComerica Incorporated $88.67 -4.51% 16.19 $11.35B 3.20%
FHN $25.80 +0.62% 12.60 $12.25B 2.63%
FRHC $152.76 +0.98% 14085.00 $9.36B 0.00%
GGALGrupo Financiero Galicia S.A. $52.67 +3.68% 149.37 $8.46B 3.11%

About XP

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

XP stock trades at $16.74 with a market capitalization of $8.76B. The stock is valued at a price-to-earnings (P/E) ratio of 8.31, price-to-book of 1.75, price-to-sales of 2.26. Over the past 52 weeks the stock has ranged between $14.80 and $23.13, and currently trades 27.6% below its 52-week high. It pays a dividend yielding 2.39%.

On profitability, XP generates a return on equity (ROE) of 22.94% — well above the market average, a sign of a high-quality business, return on capital employed of 25.12%, an operating margin of 31.84%, a net profit margin of 27.70%.

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