Financial Services
XP Inc.(XP)
Live Price
Offline$16.02
+2.36% today
1Y Change
-16.78%
Window
Jun 23, 2025 โ Jun 12, 2026
- Market Cap
- $48.40B
- Revenue Growth
- -8.2%
- EPS Growth
- +19.1%
- Dividend Yield
- 1.0%
Coverage: 245 bars ยท Jun 23, 2025 โ Jun 12, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
XP Inc. (XP) is a Financial Services stock with a market cap of $48.40B and listed on NASDAQ. The stock last traded around $16.02 and down 16.8% across the available one-year price window (Jun 23, 2025 โ Jun 12, 2026). Baseline metrics include revenue growth of -8.2%, EPS growth of +19.1%, a dividend yield of 1.0%. What stands out right now is revenue -8.2%, EPS +19.1%, free cash flow +9.1% with operating margin 32.4% and ROIC 1.4%. The dividend is present but secondary, with a yield around 1.0%. Valuation is more restrained than many high-expectation growth names at P/E 9.4 and price/sales 2.6. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines XP price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-8.2% vs +3.4% peer median
Operating Margin
Above sector median
+32.4% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report came in below the EPS bar
2026 was reported on May 18, 2026 with an EPS surprise of -2.1% and a revenue surprise of -1.7%.
The operating picture looks softer than before
Revenue is at -8.2% and EPS is at +19.1%, with operating margin around 32.4%.
The next real check-in already has a date
The next earnings event is scheduled for Aug 17, 2026, which is the clearest near-term catalyst for confirming whether the current trend is holding up.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +4.5% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 May 18, 2026 | -2.1% | -3.9% | -0.7% | โ |
2026 Feb 12, 2026 | +2.2% | +0.5% | +16.1% | -7.9% |
2025 Nov 17, 2025 | -1.5% | +1.9% | -1.9% | -8.5% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
XP
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
XP Max Drawdown
-34.90%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for XP and SPY.
Company Overview
XP Inc.
NASDAQ Global Select
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 Sรฃo Paulo, Brazil.
- Leadership
- Thiago Maffra
- IPO Date
- Dec 11, 2019
- Employees
- 6.8k
- Street Address
- Av. Chedid Jafet, 75
- Mailing
- Sรฃo Paulo, SP, 04551-065
- Region
- Sรฃo Paulo, SP, BR
- Reporting Currency
- USD
- Investor Line
- 55 11 3075 0429
- Last Updated
- May 6, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 9.4
- EV/EBITDA
- 19.6
- Price/Sales
- 2.6
- Price/Book
- 2.0
Growth
- Revenue
- -8.2%
- EPS
- +19.1%
- Free Cash Flow
- +9.1%
Profitability
- Gross Margin
- 67.4%
- Operating Margin
- 32.4%
- Net Margin
- 27.8%
- ROE
- 22.5%
- ROIC
- 1.4%
Balance Sheet
- Debt/Equity
- 3.62
- Current Ratio
- 0.56
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.