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XP Inc. (XP)

Profile

Full Name

XP Inc.

Ticker

NASDAQ: XP

Exchange

NASDAQ

Sector

Financial Services

Industry

Capital Markets

Country

Cayman Islands

IPO

December 11, 2019

Indexes

Not included

Website

http://www.xpinc.com

Employees

6834

Key Details

Price

$16.56(-0.54%)

Market cap

$8.73B(Mid cap)

Last Dividend

$0.65

TTM Dividend yield

3.93%

Annual revenue

$1.38B(+5.75% YoY)

Annual EPS

$1.53(+6.90% YoY)

PE ratio

10.72

Next earnings date

Aug 13, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    See Full Chart & Historical Data

    Analyst ratings

    Price

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    Current Price

    $16.56
    XP price is $16.56

    30-Day Relative Volume

    0.81
    XP 30-day relative volume is 0.81

    Price Performance

    Price Most recent change

    -0.54%
    XP price was down -0.54% on Jul 25, 2025

    Price YTD change

    +39.75%
    XP price is up +39.75% since January 1st

    Price 1-year change

    -5.86%
    XP price is down -5.86% year-on-year

    Price 3-year change

    -12.29%
    XP price is down -12.29% over the past 3 years

    Price Range

    Price All-time high

    $53.08
    XP price is currently -68.80% below its historical high of $53.08

    Price 3-year low

    $10.30
    XP price is currently +60.78% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $8.73B
    XP market capitalization is $8.73 billion

    Market cap 3-year change

    -17.47%
    XP market capitalization is down -17.47% over the past 3 years

    Market cap All-time high

    $28.61B
    XP market capitalization is currently -69.50% below its historical high of $28.61 billion

    Market cap sector rank

    84.18%
    XP market capitalization is higher than 84.18% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    -1.67%
    XP shares outstanding is down -1.67% year-on-year

    Shares Outstanding 3-Year Change

    -5.91%
    XP shares outstanding is down -5.91% over the past 3 years

    Technical Indicators

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    Beta

    0.72
    XP beta is 0.72

    200-day SMA

    $15.80
    XP price is currently +4.78% above its 200-day simple moving average

    50-day SMA

    $18.97
    XP price is currently -12.70% below its 50-day simple moving average

    RSI

    26.67
    XP 14-day relative strength index is 26.67

    Volume

    0.81
    XP 30-day relative volume is 0.81

    ATR

    $0.50
    XP average true range is $0.50

    10-day Historical Volatility

    29.21%
    XP 10-day historical volatility is 29.21%

    Dividend

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    Events

    Last Paid Dividend

    $0.65
    XP last dividend was $0.65 per share, with an ex-dividend date of December 10, 2024

    Next Dividend

    -
    XP next dividend has not yet been announced

    Dividend per share

    Dividend per share

    $0.65
    XP annual dividend per share is $0.65

    Dividend per share Sector Rank

    33.89%
    XP annual dividend per share is higher than 33.89% of companies in Financial Services sector

    Dividend per share 1-Year Change

    -50.57%
    XP annual dividend per share is down -50.57% year-on-year

    Dividend per share 3-Year Change

    -
    XP annual dividend per share 3-year change is unknown

    Dividend yield

    Dividend yield

    3.93%
    XP annual dividend yield is 3.93%

    Dividend yield Sector Rank

    43.98%
    XP annual dividend yield is higher than 43.98% of companies in Financial Services sector

    Other

    Payout ratio

    45.13%
    XP annual payout ratio is 45.13%

    Dividends paid

    $379.69M
    XP annual dividends paid is $379.69 million

    Free cash flow

    $2.02B
    XP annual free cash flow is $2.02 billion

    Income Statement

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    Revenue

    Revenue

    $1.38B
    XP annual revenue is $1.38 billion

    Revenue Analysts estimate

    $18.72B
    XP annual revenue is currently -92.61% lower than the consensus analysts' forecast

    Revenue 1-year change

    +5.75%
    XP annual revenue is up +5.75% year-on-year

    Revenue Sector rank

    80.12%
    XP annual revenue is higher than 80.12% of companies in Financial Services sector

    EPS

    EPS

    $1.53
    XP annual earnings per share is $1.53

    EPS Analysts estimate

    $9.44
    XP annual earnings per share is currently -83.74% lower than the consensus analysts' forecast

    EPS 1-year change

    +6.9%
    XP annual earnings per share is up +6.9% year-on-year

    EPS Sector rank

    52.17%
    XP annual earnings per share is higher than 52.17% of companies in Financial Services sector

    Profit

    Gross profit

    $352.28M
    XP annual gross profit is $352.28 million

    Gross margin

    25.46%
    XP annual gross profit margin is 25.46%

    Operating profit

    -$729.86M
    XP annual operating income is -$729.86 million

    Operating margin

    -52.74%
    XP annual operating profit margin is -52.74%

    Net income

    $841.26M
    XP annual net profit is $841.26 million

    Net margin

    60.79%
    XP annual net profit margin is 60.79%

    Expenses

    Total expenses

    $2.11B
    XP annual total expenses is $2.11 billion

    Operating expenses

    $1.08B
    XP annual total operating expenses is $1.08 billion

    Cost of goods sold

    $1.03B
    XP annual cost of goods sold is $1.03 billion

    Selling, general & administrative expenses

    $803.99M
    XP annual SGA is $803.99 million

    Depreciation and amortization

    $49.45M
    XP annual depreciation & amortization is $49.45 million

    Interest expense

    $145.30M
    XP annual interest expense is $145.30 million

    Income tax

    $87.81M
    XP annual income tax is $87.81 million

    EBIT & EBITDA

    EBIT

    $1.07B
    XP annual earnings before interest & taxes is $1.07 billion

    EBITDA

    $1.12B
    XP annual EBITDA is $1.12 billion

    Balance Sheet

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    Assets

    Total assets

    $56.21B
    XP annual total assets is $56.21 billion

    Non current assets

    $30.64B
    XP annual long term assets is $30.64 billion

    Current assets

    $25.57B
    XP annual total current assets is $25.57 billion

    Cash and cash equivalents

    $907.73M
    XP annual cash & cash equivalents is $907.73 million

    Accounts receivable

    $110.80M
    XP annual accounts receivable is $110.80 million

    Inventory

    -
    XP annual inventory value is unknown

    Liabilities

    Total liabilities

    $52.97B
    XP annual total liabilities is $52.97 billion

    Long term liabilities

    $21.24B
    XP annual total long term liabilities is $21.24 billion

    Current liabilities

    $31.73B
    XP annual total current liabilities is $31.73 billion

    Accounts payable

    $123.52M
    XP annual accounts payable is $123.52 million

    Debt

    Total debt

    $18.63B
    XP annual total debt is $18.63 billion

    Total debt 1-year change

    +31.86%
    XP annual total debt is up +31.86% year-on-year

    Long term debt

    $5.39B
    XP annual long term debt is $5.39 billion

    Short term debt

    $13.24B
    XP annual short term debt is $13.24 billion

    Equity & Capital

    Shareholders equity

    $3.24B
    XP annual stockholders equity is $3.24 billion

    Book value

    $3.24B
    XP annual book value is $3.24 billion

    Retained earnings

    -
    XP annual retained earnings value is unknown

    Working capital

    -$6.16B
    XP annual working capital is -$6.16 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $2.08B
    XP annual cash flow from operations is $2.08 billion

    Cash from operations 1-year change

    +27.97%
    XP annual cash flow from operations is up +27.97% year-on-year

    Cash from investing

    -$310.76M
    XP annual cash flow from investing activities is -$310.76 million

    Cash from investing 1-year change

    -387.88%
    XP annual cash flow from investing activities is down -387.88% year-on-year

    Cash from financing

    -$1.08B
    XP annual cash flow from financing activities is -$1.08 billion

    Cash from financing 1-year change

    -22.45%
    XP annual cash flow from financing activities is down -22.45% year-on-year

    CAPEX

    CAPEX

    $61.55M
    XP annual capital expenditures is $61.55 million

    CAPEX 1-year change

    +56.56%
    XP annual capital expenditures is up +56.56% year-on-year

    Free Cash Flow

    Free cash flow

    $2.02B
    XP annual free cash flow is $2.02 billion

    Free cash flow 1-year change

    +27.26%
    XP annual free cash flow is up +27.26% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    25.46%
    XP annual gross profit margin is 25.46%

    Operating margin

    -52.74%
    XP annual operating profit margin is -52.74%

    Net margin

    60.79%
    XP annual net profit margin is 60.79%

    ROA & ROE

    ROA

    1.56%
    XP annual return on assets is 1.56%

    ROE

    23.20%
    XP annual return on equity is 23.20%

    Valuation

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    PE Ratio

    PE ratio

    10.72
    XP price to earnings ratio is 10.72

    PE ratio Sector rank

    22.27%
    XP price to earnings ratio is higher than 22.27% of companies in Financial Services sector

    PB Ratio

    PB ratio

    2.39
    XP price to book ratio is 2.39

    PB ratio Sector rank

    80.85%
    XP price to book ratio is higher than 80.85% of companies in Financial Services sector

    PS Ratio

    PS ratio

    6.55
    XP price to sales ratio is 6.55

    PS ratio Sector rank

    84.8%
    XP price to sales ratio is higher than 84.8% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $17.34B
    XP enterprise value is $17.34 billion

    Enterprise value Sector rank

    88.11%
    XP enterprise value is higher than 88.11% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    15.64
    XP EV/EBITDA is 15.64

    EV/EBITDA Sector rank

    84.08%
    XP EV/EBITDA is higher than 84.08% of companies in Financial Services sector

    Financial Health

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    Liquidity

    Current ratio

    0.81
    XP annual current ratio is 0.81

    Quick ratio

    -
    XP annual quick ratio value is unknown

    Leverage

    Debt to equity

    5.74
    XP annual debt to equity ratio is 5.74

    Interest coverage ratio

    7.40
    XP annual interest coverage ratio is 7.40

    Risk & Stability

    Piotroski F-Score

    -
    XP piotroski f-score value is unknown

    Altman Z-Score

    -
    XP altman z-score value is unknown

    Analyst ratings

    Recent major analysts updates

    Jun 10, 25 UBS
    Buy
    Jun 4, 25 Goldman Sachs
    Buy
    May 21, 25 Goldman Sachs
    Neutral
    May 21, 25 B of A Securities
    Neutral
    May 13, 25 Morgan Stanley
    Overweight
    Apr 7, 25 UBS
    Buy
    Jan 27, 25 Goldman Sachs
    Neutral
    Jan 24, 25 UBS
    Buy
    Dec 10, 24 B of A Securities
    Neutral
    Nov 26, 24 Morgan Stanley
    Equal-Weight

    Institutional Ownership

    Screeners with XP included

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    • What is the ticker symbol for XP Inc.?
    • Does XP Inc. pay dividends?
    • What sector is XP Inc. in?
    • What industry is XP Inc. in?
    • What country is XP Inc. based in?
    • When did XP Inc. go public?
    • Is XP Inc. in the S&P 500?
    • Is XP Inc. in the NASDAQ 100?
    • Is XP Inc. in the Dow Jones?
    • When was XP Inc.'s last earnings report?
    • When does XP Inc. report earnings?

    What is the ticker symbol for XP Inc.?

    The ticker symbol for XP Inc. is NASDAQ:XP

    Does XP Inc. pay dividends?

    Yes, XP Inc. pays dividends. The last payment was $0.65, with an ex-dividend date on December 10, 2024

    What sector is XP Inc. in?

    XP Inc. is in the Financial Services sector

    What industry is XP Inc. in?

    XP Inc. is in the Capital Markets industry

    What country is XP Inc. based in?

    XP Inc. is headquartered in Cayman Islands

    When did XP Inc. go public?

    XP Inc.'s initial public offering (IPO) was on December 11, 2019

    Is XP Inc. in the S&P 500?

    No, XP Inc. is not included in the S&P 500 index

    Is XP Inc. in the NASDAQ 100?

    No, XP Inc. is not included in the NASDAQ 100 index

    Is XP Inc. in the Dow Jones?

    No, XP Inc. is not included in the Dow Jones index

    When was XP Inc.'s last earnings report?

    XP Inc.'s most recent earnings report was on May 20, 2025

    When does XP Inc. report earnings?

    The next expected earnings date for XP Inc. is August 13, 2025
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