XP (XP) Stock Price, News & Analysis

Company Overview

XP Inc. is a Brazil-based financial services platform that provides investment, banking and related financial products to individuals, businesses and institutional clients. Through its digital platforms and network of financial professionals, the company offers access to investments such as stocks, bonds, mutual funds, exchange-traded funds, real estate funds, retirement products and insurance.

The company operates a portfolio of brands that includes XP, Rico and Clear, serving customers with different investment needs and levels of experience. Its services also include brokerage, financial advisory, wealth management, private banking and corporate financial solutions. XP primarily serves the Brazilian market.

XP was founded in 2001 by Guilherme Benchimol as an investment education and brokerage business and subsequently expanded into a broader financial services platform. The company became publicly traded on the Nasdaq in 2019. Its operations are supported by digital technology, educational content and a network of independent financial advisors.

Key Stats

• Today's Range: $20.57 to $21.72
• 50-Day Range: $15.44 to $21.50
• 52-Week Range: $14.80 to $23.13
• Volume: 11.90 million shs
• Average Volume: 7.64 million shs
• Market Capitalization: $11.55 billion
• P/E Ratio: 11.26
• Dividend Yield: 1.86%
• Price Target: $23.50
• Consensus Rating: Moderate Buy

XP Stock Analysis - MarketRank™

XP scored higher than 99% of companies evaluated by MarketBeat, and ranked 79th out of 843 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

XP has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on no strong buy ratings, 4 buy ratings, 2 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for XP is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

XP has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 4.4 / 5
• Proj. Earnings Growth: 15.31%

Earnings Growth

Earnings for XP are expected to grow by 15.31% in the coming year, from $2.09 to $2.41 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of XP is 11.26, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.89.

Price to Earnings Ratio vs. Sector

The P/E ratio of XP is 11.26, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.49.

Price to Earnings Growth Ratio

XP has a PEG Ratio of 0.57. PEG Ratios below 1 indicate that a company could be undervalued.

Price to Book Value per Share Ratio

XP has a P/B Ratio of 2.74. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.30% of the float of XP has been sold short.

Short Interest Ratio / Days to Cover

XP has a short interest ratio ("days to cover") of 2.08, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in XP has recently decreased by 7.62%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

XP pays a meaningful dividend of 1.89%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

XP does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of XP is 20.94%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, XP will have a dividend payout ratio of 16.60% next year. This indicates that XP will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.8 / 5
• News Sentiment: 1.13

News Sentiment

XP has a news sentiment score of 1.13. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.63 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for XP this week, compared to 2 articles on an average week.

Search Interest

Only 2 people have searched for XP on MarketBeat in the last 30 days. This is a decrease of -60% compared to the previous 30 days.

MarketBeat Follows

5 people have added XP to their MarketBeat watchlist in the last 30 days. This is an increase of 150% compared to the previous 30 days.

Company Ownership

• Score: 1.4 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, XP insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $2,413,372.00 in company stock.

Percentage Held by Institutions

59.15% of the stock of XP is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 8/17/2026
• Today: 10/03/2026
• Next Earnings (Estimated): 11/16/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Capital Markets
• Sub-Industry: Investment Banking & Brokerage
• Current Symbol: NASDAQ:XP
• CIK: 1787425
• Web: www.xpinc.com
• Phone: 55 11 3075 0429
• Fax: N/A
• Employees: 8,069
• Year Founded: 2001

Price Target and Rating

• Average Price Target for XP: $23.50
• High Price Target: $25.00
• Low Price Target: $22.00
• Potential Upside/Downside: +9.3%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.91
• Trailing P/E Ratio: 11.26
• Forward P/E Ratio: 10.29
• P/E Growth: 0.57
• Net Income: $925.91 million
• Net Margins: 27.20%
• Pretax Margin: 29.21%
• Return on Equity: 22.19%
• Return on Assets: 1.33%

Debt

• Debt-to-Equity Ratio: 0.07
• Current Ratio: 4.80
• Quick Ratio: 4.80

Sales & Book Value

• Annual Sales: $3.30 billion
• Price / Sales: 3.50
• Cash Flow: $1.85 per share
• Price / Cash Flow: 11.61
• Book Value: $7.85 per share
• Price / Book: 2.74

Miscellaneous

• Outstanding Shares: 537,420,000
• Free Float: N/A
• Market Cap: $11.55 billion
• Optionable: Optionable
• Beta: 1.01