Financial Services
Live Price
Offline$16.02
+2.36% today
1Y Change
-16.78%
Window
Jun 23, 2025 → Jun 12, 2026
Coverage: 245 bars · Jun 23, 2025 → 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 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
XP
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
XP Max Drawdown
-34.90%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for XP and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$13.0B
-8.5% YoY
FY Net Income
$3.7B
+0.6% YoY
Free Cash Flow
-$4.4B
-360.8% YoY
Revenue Growth
-8.2%
EPS Growth
+19.1%
Gross Margin
67.4%
Net Margin
27.8%
Income statement
BRL
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 18.2B | 19.9B | 14.8B | 14.2B | 13.0B |
| Gross Profit | 12.3B | 13.5B | 10.0B | 9.7B | 8.9B |
| Operating Income | 5.9B | 6.6B | 4.5B | 4.0B | 4.2B |
| EBITDA | 6.3B | 6.9B | 4.7B | 4.2B | 4.3B |
| Net Income | 5.1B | 5.2B | 3.8B | 3.7B | 3.7B |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
BRL
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 10.4B | 5.6B | 3.9B | 3.6B | 2.5B |
| Total Assets | 396.5B | 347.5B | 249.0B | 192.0B | 139.3B |
| Total Liabilities | 373.0B | 327.4B | 229.6B | 175.0B | 124.9B |
| Shareholder Equity | 23.5B | 20.0B | 19.4B | 17.0B | 14.4B |
| Total Debt | 85.3B | 115.1B | 68.6B | 35.5B | 28.2B |
| Net Debt | 74.9B | 109.5B | 64.6B | 32.0B | 25.7B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
4.0B
-322.9% YoY
Capital Expenditures
353M
-178.0% YoY
Free Cash Flow
4.4B
-360.8% YoY
Key ratios
Gross Margin
67.4%
Operating Margin
32.4%
Net Margin
27.8%
ROE
22.5%
Debt / Equity
3.62x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.