Price Alert

XP Inc. (XP)

NASDAQ: XP · Real-Time Price · USD

17.34

-0.23 (-1.31%)

At close: Oct 03, 2025, 3:59 PM

17.30

-0.23%

After-hours: Oct 03, 2025, 07:16 PM EDT

XP Statistics

Share Statistics

XP has 526.79M shares outstanding. The number of shares has increased by -2.47% in one year.

Shares Outstanding	526.79M
Shares Change (YoY)	-2.47%
Shares Change (QoQ)	-0.03%
Owned by Institutions (%)	60.96%
Shares Floating	422.93M
Failed to Deliver (FTD) Shares	364
FTD / Avg. Volume	0.01%

Short Selling Information

The latest short interest is 22.47M, so 4.26% of the outstanding shares have been sold short.

Short Interest	22.47M
Short % of Shares Out	4.26%
Short % of Float	5.31%
Short Ratio (days to cover)	3.17

Valuation Ratios

The PE ratio is 8.92 and the forward PE ratio is 1.43. XP's PEG ratio is 0.6.

PE Ratio	8.92
Forward PE	1.43
PS Ratio	5.42
Forward PS	0.4
PB Ratio	2.01
P/FCF Ratio	3.71
PEG Ratio	0.6

Financial Ratio History

Enterprise Valuation

XP has an Enterprise Value (EV) of 149.8B.

EV / Sales	20.18
EV / EBITDA	24.84
EV / EBIT	13.4
EV / FCF	13.81

Financial Position

The company has a current ratio of 0.81, with a Debt / Equity ratio of 5.74.

Current Ratio	0.81
Quick Ratio	0.81
Debt / Equity	5.74
Debt / EBITDA	19.09
Debt / FCF	10.61
Interest Coverage	-5.02

Financial Efficiency

Return on Equity is 22.52% and Return on Invested Capital is -1.52%.

Return on Equity	22.52%
Return on Assets	1.3%
Return on Invested Capital	-1.52%
Revenue Per Employee	$1.09M
Profits Per Employee	$660.43K
Employee Count	6,834
Asset Turnover	0.02
Inventory Turnover	n/a

Taxes

Income Tax	471.13M
Effective Tax Rate	9.45%

Stock Price Statistics

The stock price has increased by -2.25% in the last 52 weeks. The beta is 1.11, so XP's price volatility has been higher than the market average.

Beta	1.11
52-Week Price Change	-2.25%
50-Day Moving Average	17.79
200-Day Moving Average	16.16
Relative Strength Index (RSI)	37.01
Average Volume (20 Days)	6,467,050

Income Statement

In the last 12 months, XP had revenue of 7.42B and earned 4.51B in profits. Earnings per share was 8.23.

Revenue	7.42B
Gross Profit	1.89B
Operating Income	-3.92B
Net Income	4.51B
EBITDA	6.03B
EBIT	5.77B
Earnings Per Share (EPS)	8.23

Full Income Statement

Balance Sheet

The company has 5.61B in cash and 115.13B in debt, giving a net cash position of -109.52B.

Cash & Cash Equivalents	5.61B
Total Debt	115.13B
Net Cash	-109.52B
Retained Earnings	n/a
Total Assets	373.85B
Working Capital	-39.5B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 11.18B and capital expenditures -330.21M, giving a free cash flow of 10.85B.

Operating Cash Flow	11.18B
Capital Expenditures	-330.21M
Free Cash Flow	10.85B
FCF Per Share	19.79

Full Cash Flow Statement

Margins

Gross margin is 25.45%, with operating and profit margins of -52.74% and 60.79%.

Gross Margin	25.45%
Operating Margin	-52.74%
Pretax Margin	67.15%
Profit Margin	60.79%
EBITDA Margin	81.22%
EBIT Margin	-52.74%
FCF Margin	146.11%

Dividends & Yields

XP pays an annual dividend of $1.38, which amounts to a dividend yield of 5.03%.

Dividend Per Share	$1.38
Dividend Yield	5.03%
Dividend Growth (YoY)	11.11%
Payout Ratio	80.7%
Earnings Yield	11.21%
FCF Yield	26.94%

Dividend Details

Analyst Forecast

The average price target for XP is $23.5, which is 35.5% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$23.5
Price Target Difference	35.5%
Analyst Consensus	Strong Buy
Analyst Count	6

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$139.58
Lynch Upside	704.96%
Graham Number	82.28
Graham Upside	374.51%

Scores

Altman Z-Score	-0.03
Piotroski F-Score	5