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Financial Services - Financial - Capital Markets - NASDAQ - BR
$ 19.8
0.763 %
$ 10.4 B
Market Cap
12.61
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one XP stock under the worst case scenario is HIDDEN Compared to the current market price of 19.8 USD, XP Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one XP stock under the base case scenario is HIDDEN Compared to the current market price of 19.8 USD, XP Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one XP stock under the best case scenario is HIDDEN Compared to the current market price of 19.8 USD, XP Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart XP

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$21.0$21.0$20.0$20.0$19.0$19.0$18.0$18.0$17.0$17.0$16.0$16.0$15.0$15.0$14.0$14.0$13.0$13.0$12.0$12.0$11.0$11.020252025Feb '25Feb '25Mar '25Mar '25Apr '25Apr '25May '25May '25Jun '25Jun '25Jul '25Jul '25
FINANCIALS
7.42 B REVENUE
13.67%
-3.92 B OPERATING INCOME
-1.31%
4.51 B NET INCOME
14.66%
11.2 B OPERATING CASH FLOW
37.55%
-1.67 B INVESTING CASH FLOW
-309.43%
-5.78 B FINANCING CASH FLOW
-31.62%
1.65 B REVENUE
-13.75%
-1.26 B OPERATING INCOME
-18.94%
1.24 B NET INCOME
4.69%
-2.63 B OPERATING CASH FLOW
-68.95%
-154 M INVESTING CASH FLOW
-52.12%
150 M FINANCING CASH FLOW
106.95%
Balance Sheet XP Inc.
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Current Assets 158 B
Cash & Short-Term Investments 74.9 B
Receivables 35.2 B
Other Current Assets 48 B
Non-Current Assets 189 B
Long-Term Investments 158 B
PP&E 763 M
Other Non-Current Assets 31 B
21.56 %10.13 %13.80 %45.37 %8.92 %Total Assets$347.5b
Current Liabilities 196 B
Accounts Payable 763 M
Short-Term Debt 81.8 B
Other Current Liabilities 114 B
Non-Current Liabilities 131 B
Long-Term Debt 33.3 B
Other Non-Current Liabilities 98 B
25.00 %34.68 %10.17 %29.92 %Total Liabilities$327.4b
EFFICIENCY
Earnings Waterfall XP Inc.
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Revenue 7.42 B
Cost Of Revenue 5.53 B
Gross Profit 1.89 B
Operating Expenses 5.81 B
Operating Income -3.92 B
Other Expenses -8.43 B
Net Income 4.51 B
8b8b6b6b4b4b2b2b00(2b)(2b)(4b)(4b)7b(6b)2b(6b)(4b)8b5bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
25.45% GROSS MARGIN
25.45%
-52.74% OPERATING MARGIN
-52.74%
60.79% NET MARGIN
60.79%
22.52% ROE
22.52%
1.30% ROA
1.30%
-1.52% ROIC
-1.52%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis XP Inc.
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12b12b10b10b8b8b6b6b4b4b2b2b00(2b)(2b)(4b)(4b)(6b)(6b)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 4.51 B
Depreciation & Amortization 265 M
Capital Expenditures -330 M
Stock-Based Compensation 417 M
Change in Working Capital 4.52 B
Others 6.09 B
Free Cash Flow 10.8 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets XP Inc.
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Wall Street analysts predict an average 1-year price target for XP of $23.3 , with forecasts ranging from a low of $19 to a high of $32 .
XP Lowest Price Target Wall Street Target
19 USD -4.04%
XP Average Price Target Wall Street Target
23.3 USD 17.85%
XP Highest Price Target Wall Street Target
32 USD 61.62%
Price
Max Price Target
Min Price Target
Average Price Target
353530302525202015151010Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.65 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.400001.400001.200001.200001.000001.000000.800000.800000.600000.600000.400000.400000.200000.200000.000000.000000.584980.731.310.650.652023202320242024
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5. COMPETITION
slide 2 of 12
6. Ownership
Insider Ownership XP Inc.
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Sold
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9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
XP Inc. Q1: Strong Results Support Rating Upgrade I upgraded XP Inc. from 'Hold' to 'Buy' due to strong fixed income revenue growth and effective expense control, signaling resilience. The Company achieved record net income, driven by robust net inflows and operational efficiency, and announced a new share buyback program. The valuation is attractive with a PEG of 0.74x, implying 35% upside potential and further supporting my buy rating. seekingalpha.com - 1 month ago
XP Investors Have Opportunity to Lead XP Inc. Securities Fraud Lawsuit NEW YORK , May 21, 2025 /PRNewswire/ -- Why: Rosen Law Firm, a global investor rights law firm, continues to investigate potential securities claims on behalf of shareholders of XP Inc. (NASDAQ: XP) resulting from allegations that XP may have issued materially misleading business information to the investing public. So What: If you purchased XP securities you may be entitled to compensation without payment of any out of pocket fees or costs through a contingency fee arrangement. prnewswire.com - 1 month ago
XP Analysts Increase Their Forecasts After Q1 Results XP Inc. XP reported mixed results for the first quarter on Tuesday. benzinga.com - 1 month ago
XP Inc. (XP) Q1 2025 Earnings Call Transcript XP Inc. (NASDAQ:XP ) Q1 2025 Earnings Conference Call May 20, 2025 5:00 PM ET Company Participants Andre Parize - Head, IR Thiago Maffra - CEO Victor Mansur - CFO Conference Call Participants Eduardo Rosman - BTG Pedro Leduc - Itau BBA Yuri Fernandes - JPMorgan Gustavo Schroden - Citi Mario Pierry - Bank of America Olavo Arthuzo - UBS Tito Labarta - Goldman Sachs Andre Parize Today, on behalf of the company, I would like to thank you all for your interest and welcome you to our First Quarter 2025 Earnings Call. Today's presentation will be led by our CEO, Thiago Maffra, and our CFO, Victor Mansur, who will both be available for the Q&A session right after the presentation. seekingalpha.com - 1 month ago
XP Inc.A (XP) Tops Q1 Earnings Estimates XP Inc.A (XP) came out with quarterly earnings of $0.39 per share, beating the Zacks Consensus Estimate of $0.38 per share. This compares to earnings of $0.37 per share a year ago. zacks.com - 1 month ago
XP Inc. Announces New Share Repurchase Program SÃO PAULO--(BUSINESS WIRE)--XP Inc. (Nasdaq: XP), announced today that its board of directors has approved a new share repurchase program. Under the repurchase program, XP may repurchase up to the amount in dollars equivalent to R$1.0 billion (one billion Brazilian Reais) of its outstanding Class A common shares in the open market, based on prevailing market prices, or in privately negotiated transactions, over a period beginning on May 21st, 2025 continuing until the earlier of the completion. businesswire.com - 1 month ago
XP Inc. Reports First Quarter 2025 Results SÃO PAULO--(BUSINESS WIRE)--XP Inc. (NASDAQ: XP) (“XP” or the “Company”), a leading tech-enabled platform and a trusted pioneer in providing low-fee financial products and services in Brazil, reported today its financial results for the first quarter of 2025. Summary Operating Metrics (unaudited) 1Q25 1Q24 YoY 4Q24 QoQ Total Client Assets (in R$ bn) 1,328 1,177 13% 1,286 3% Total Net Inflow (in R$ bn) 24 13 79% 29 -19% Annualized Retail Take Rate 1.25% 1.24% 2 bps 1.33% -8 bps Active Clients (i. businesswire.com - 1 month ago
XP Inc. to Cancel Treasury Shares SÃO PAULO--(BUSINESS WIRE)--XP Inc. (Nasdaq: XP), a leading, technology-driven platform and a trusted provider of low-fee financial products and services in Brazil, announced today that the Company's Board of Directors approved the cancellation of existing treasury Class A shares held by the Company. The Company has cancelled in this date 12,053,924 Class A shares (2.2% of total shares). Total share count went from 540,052,383 to 527,998,459 after cancellation. About XP XP is a leading, technol. businesswire.com - 1 month ago
ROSEN, LEADING INVESTOR COUNSEL, Encourages XP Inc. Investors to Inquire About Securities Class Action Investigation - XP NEW YORK CITY, NY / ACCESS Newswire / May 20, 2025 / WHY: New York, N.Y., May 20, 2025. accessnewswire.com - 1 month ago
If You Have Suffered Losses in XP Inc. (NASDAQ: XP), You Are Encouraged to Contact The Rosen Law Firm About Your Rights NEW YORK, May 19, 2025 (GLOBE NEWSWIRE) -- WHY: Rosen Law Firm, a global investor rights law firm, continues to investigate potential securities claims on behalf of shareholders of XP Inc. (NASDAQ: XP) resulting from allegations that XP may have issued materially misleading business information to the investing public. SO WHAT: If you purchased XP securities you may be entitled to compensation without payment of any out of pocket fees or costs through a contingency fee arrangement. globenewswire.com - 1 month ago
XP Investors Have Opportunity to Lead XP Inc. Securities Fraud Lawsuit NEW YORK , May 15, 2025 /PRNewswire/ -- Why: Rosen Law Firm, a global investor rights law firm, continues to investigate potential securities claims on behalf of shareholders of XP Inc. (NASDAQ: XP) resulting from allegations that XP may have issued materially misleading business information to the investing public. So What: If you purchased XP securities you may be entitled to compensation without payment of any out of pocket fees or costs through a contingency fee arrangement. prnewswire.com - 1 month ago
ROSEN, SKILLED INVESTOR COUNSEL, Encourages XP Inc. Investors to Inquire About Securities Class Action Investigation - XP NEW YORK CITY, NY / ACCESS Newswire / May 13, 2025 / WHY: New York, N.Y., May 13, 2025. accessnewswire.com - 1 month ago
8. Profile Summary

XP Inc. XP

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COUNTRY BR
INDUSTRY Financial - Capital Markets
MARKET CAP $ 10.4 B
Dividend Yield 0.00%
Description XP Inc. provides financial products and services in Brazil. It offers securities brokerage, private pension plans, commercial, and investment banking products, such as loan operations and transactions in the foreign exchange markets and deposits; product structuring and capital markets services for corporate clients and issuers of fixed income products; advisory services for mass-affluent and institutional clients; and wealth management services for high-net-worth customers and institutional clients. The company also offers Xpeed, an online financial education portal that offers seminars, classes, and learning tools to help teach individuals on topics, such as basics of investing, techniques, and investment strategies, as well as insurance brokerage services. In addition, it operates XP Platform, an open product platform that provides clients to access investment products in the market, including equity and fixed income securities, mutual and hedge funds, private equity, structured products, credit cards, loan operations, life insurance, pension plans, real-estate investment funds, and others. The company was founded in 2001 and is based in São Paulo, Brazil.
Contact Av. Chedid Jafet, 75, São Paulo, SP, 04551-065 https://www.xpinc.com
IPO Date Dec. 11, 2019
Employees 6834
Officers Mr. Victor Andreu Mansur Farinassi Chief Financial Officer Mr. Fabrício Cunha de Almeida General Counsel Gabriel Dos Santos Head of Recruitment & Selection Mr. Andre Parize Chief Investor Relations Officer Mr. Jose de Menezes Berenguer Neto Chief Executive Officer of Banco XP S.A. Marco Goncalves Head of M&A Mr. Antonio Guimarães Investor Relations Officer Mr. Guilherme Dias Fernandes Benchimol Founder & Executive Chairman Mr. Bruno Constantino Alexandre dos Santos C.F.A. Advisor & Director Mr. Thiago Maffra Chief Executive Officer