Stock AnalizXP Inc. XP
Investment Bankers/Brokers/Service · IPO 2019 · data as of November 13, 2026
XP Inc. (XP) is a financial company listed in the US with a market value of about $8.0B. In the twelve months to June 30, 2026 it had revenue of $1.5B and net income of $939M, a net margin of 63.1%.
Its overall Stock Analiz score is 2.4 out of 5 (weak). The strongest part is value (5/5); the weakest is future growth (1/5).
Key numbers: a P/E of 8.3, a price to free cash flow of 3.6, 5-year revenue growth of 17% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 50% above the current price.
Score: 2.4 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Profit margin improving
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
Checks not passed
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- ROE above 15%
- More cash than debt, or low debt to equity
- Interest covered more than 5 times
Valuation
Growth and quality
Financials, last 9 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.5B | $1.4B | $2.8B | $3.1B | $2.5B | $2.2B | $1.6B | $1.3B | $762M | $576M |
| Net income | $939M | $913M | $730M | $803M | $677M | $644M | $400M | $269M | $119M | $125M |
| Free cash flow | $2.3B | $2.0B | $1.8B | $1.7B | $333M | -$746M | $263M | -$967M | -$139M | $70M |
| EPS (diluted) | $1.79 | $1.72 | $1.41 | $1.55 | $1.31 | $1.24 | $0.77 | $0.52 | $0.23 | $0.24 |
| Net margin | 63.1% | 64.9% | 26.5% | 26.2% | 26.8% | 29.7% | 25.5% | 21.1% | 15.6% | 21.7% |
| ROIC | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
Frequently asked questions
What is XP’s P/E ratio?
About 8.3, based on the last twelve months of diluted earnings per share (forward P/E about 6.2).
Is XP stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 50% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does XP pay a dividend?
Yes. The dividend yield is about 1.30%, and it has paid dividends for 5 years in our data.
Is XP a good stock to buy?
We do not give buy or sell advice. XP scores 2.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.