QualityDipStocks / Finance · Brokers & investment banks
XP XP
Outside our quality screen, so we don’t track its dips. It’s 57% below its 52-week high.
Outside our quality screen. No fair value estimate for now: our model doesn’t fit it reliably.
Worth knowing
- Lowest close since Apr 2025
From the data on this page, as of the last close. How we pick these
- Fair value est.
- n/a
- Market Value
- —
- Off 52-wk high
- −57%
- Risk vs market
- Highbeta 1.85
4 bullish · 3 bearish See why
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
Estimate unreliable for XP: the book-value model gives 175% above the price, more than we can stand behind for a financial company. We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much XP moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Swings much more than the market, and its own price swings are 5.9× the S&P 500’s.
- Beta vs S&P 500
- 1.85
- Volatility
- 75% vs 13% SPY
- Correlation SPY
- 0.32
- Correlation QQQ
- 0.27
Valuation details
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 4 of 5
ValuationP/E of 7.9× vs a 13.6× median for the 291 Finance companies we cover.
ProfitabilityReturn on equity of 24% over the last 12 months.
GrowthSales compounded 10% a year from FY2022 to FY2025.
ProfitabilityNet margin of 65%, above the 22% median for the 281 Finance companies we cover.
Top bearish points 3 of 5
GrowthSales grew 7.3% over the last 12 months, below the 12% median for the 284 Finance companies we cover.
RiskReports earnings Nov 16 (consensus EPS $0.53): results can move the price sharply and reset Market Value.
RiskSwings hard: beta 1.85 vs the S&P 500 and 75% yearly volatility (SPY 13%).
All fundamentals
P/E 7.9 · ROE 24% · Sales +7%
Valuation
- P/E
- 7.9×Finance median 13.6×
- Price / FCF
- n/acash flow isn't a clean measure for a lender
- FCF yield
- n/acash flow isn't a clean measure for a lender
- EV / EBITDA
- n/anot meaningful for a lender
- Price / sales
- 5.14×
- Price / book
- 1.74×
- Market cap
- $7.5Bprice × diluted shares
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $1.5B
- Sales growth, 12 months
- +7.3%vs the 12 months before
- Sales growth, 3 yrs
- +10.3%/yrfrom FY2022
- Diluted EPS, 12 months
- $9.72
- EPS growth, last FY
- +18.1%
- Net income, 12 months
- $942M
- Net income growth
- +15%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for a lender
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- 64.9%
- FCF margin
- 148.6%
- Return on equity
- 24%
- Return on invested capital
- n/anot meaningful for a lender
Balance sheet
- Cash & short-term inv.
- $3.5B
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for a lender
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a lender
- Interest coverage
- n/anot meaningful for a lender
Cash flow & returns
- Free cash flow, 12 months
- $2.2B
- FCF growth, 12 months
- +7%
- Dividend yield
- 1.21%$90M paid
- Payout ratio
- 10%
- Buybacks, 12 months
- n/anot reported in its SEC filings
- Share count, 1 year
- n/ano quarterly diluted share count
- Stock-based comp
- n/anot reported in its SEC filings
Trailing 12 months to Dec 31, 2025; balance sheet at Dec 31, 2025. From XP’s SEC filings, reported in BRL and converted to US dollars. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
Sales +11%
- Return on equity23%
- Sales growth (latest quarter vs year-ago quarter)+11%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $14.04
- 52-wk lowlowest close, 1 year$14.04at the price
- PriceMon Nov 2 close$14.04you are here
- 52-wk highhighest close, 1 year$32.60+132.2%
Momentum & 52-week range
RSI 27 · 5 days −10.6%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
Next report
Nov 16
- DateMon Nov 16
- Consensus EPS$0.53
- Year-ago EPS$0.45
- QuarterSep/2026
From Nasdaq’s earnings calendar. A report resets Market Value.
XP is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on XP in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 1:01 PM ET.
Compare with peers
Closest in size in Brokers & investment banks
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.