Stock Analysis
Xcel Energy, Inc.XEL
P/E 21.35×· 5Y range 15.36–25.90×· 51th percentile of history
Sector: Utilities · Industry: Electric & Other Services Combined
AnalystsStrong Buy23 analystsP/E 21.3× sits at the 51st percentile of its 5.086926762491444-year history.
Cash covers 5% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Quality60
Risks
- Financial Health17
- Growth49
Mixed picture — no clear quality or value edge.
What's happening with XEL
Profile
financial health, moat, valuation and growth lag behind.
How is each axis scored?
- Valuation37/100 · Weak
- P/E vs own history (51th pct)12/25
- FCF yield (-16.1%)0/25
- P/S (3.3x)20/25
- EV/EBIT (31.3x)5/25
- Growth49/100 · Weak
- Revenue CAGR (2.2%)6/25
- Net income CAGR (6.0%)12/25
- EPS CAGR 5Y (3.7%)6/25
- Fwd implied growth (31.0%)25/25
- Profitability57/100 · Moderate
- ROIC (3.5%)5/25
- ROE (9.3%)12/25
- Net margin (15.3%)20/25
- Operating margin (19.1%)20/25
- Financial Health17/100 · Weak
- Altman Z (0.71)3/25
- Current ratio (0.70)6/25
- Interest coverage (1.7x)3/25
- Net cash / debt (D/A 45%)5/25
- Quality60/100 · Moderate
- Piotroski F (5/9)15/25
- Beneish M (-2.43)20/25
- FCF conversion (-344%)0/25
- Margin stability (σ 1.9%)25/25
- Moat31/100 · Weak
- ROIC >12% years (0/10 yrs)0/25
- Median gross margin (18.0%)6/25
- FCF-positive years (0/10 yrs)0/25
- Worst-year net margin (worst 10.1%)25/25
Risk Flags
- ⚠Altman Z 0.7 — distress-zone balance sheet
- ⚠Negative FCF margin (-0.5%) — burning cash
- ⚠Interest coverage 1.7× — thin debt cushion
About Xcel Energy, Inc.
Xcel Energy manages utilities serving 3. Show more
9 million electric customers and 2.2 million natural gas customers in eight states. Its utilities are Northern States Power, which serves customers in Minnesota, North Dakota, South Dakota, Wisconsin, and Michigan; Public Service Company of Colorado; and Southwestern Public Service Company, which serves customers in Texas and New Mexico. It is one of the largest renewable energy suppliers in the US, with more than half of its electricity sales coming from carbon-free energy.
Headquarters: MINNEAPOLIS, MN · Employees: 11,534 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
37DP/E (TTM)21.3xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 15.4x–25.9x · 51st pct
P/FCF85.6xD
Grade D: ExpensivePrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative · CapEx exceeds operating cash flow (261% of OCF) — reported FCF understates normalized earning power in this investment phase
FCF Yield-16.1%D
Grade D: NegativeTTM (OCF − CapEx) / Market Cap — vs own 5Y history: -17.8%–-1.2% · 3rd pct · CapEx exceeds operating cash flow (261% of OCF) — reported FCF understates normalized earning power in this investment phase
P/S (TTM)3.26xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.8x–3.5x · 86th pct
EV/EBIT31.3xD
Grade D: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 21.3x–35.2x · 81st pct
EV/Sales5.8xC
Grade C: ExpensiveEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E16.3xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.98xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio2.10C
Grade C: ExpensiveFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield3.01%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio61.1%C
Grade C: HighDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
CapEx exceeds OCF: CapEx exceeds operating cash flow (261% of OCF) — reported FCF understates normalized earning power in this investment phase
Profitability
57CROIC3.5%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE9.3%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA2.7%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin15.3%A
Grade A: HighNet Income / Revenue
Operating Margin19.1%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin19.1%D
Grade D: LowGross Profit / Revenue
FCF Margin-52.6%D
Grade D: LowFCF / Revenue · CapEx exceeds operating cash flow (261% of OCF) — reported FCF understates normalized earning power in this investment phase
True FCF Margin-53.0%D
Grade D: LowTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost · CapEx exceeds operating cash flow (261% of OCF) — reported FCF understates normalized earning power in this investment phase
Growth
49D+Revenue CAGR2.2%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR6.0%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)3.7%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth31.0%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)+15.9%D
Grade D: DilutiveShare count change over 5Y
SBC / Net Income2.1%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.3%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
17EAltman Z-Score0.71D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.70xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.56xC
Grade C: Ok(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage1.7xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF · CapEx exceeds operating cash flow (261% of OCF) — reported FCF understates normalized earning power in this investment phase
Net Debt/EBIT14.2xD
Grade D: HighLeverage. <2x Low, >4x High
Debt/Equity1.73xC
Grade C: MedDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.05xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
60BPiotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.43A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion-344.5%D
Grade D: PoorFCF / Net Income · CapEx exceeds operating cash flow (261% of OCF) — reported FCF understates normalized earning power in this investment phase
Margin Stability1.9%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue85.3%D
Grade D: HeavyTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.18xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Carter Peter W Filed | Carter Peter W | Grant / award | +1.8K | |
Hutchinson Maria Demaree Filed | Hutchinson Maria Demaree | Grant / award | +2.3K | |
Kehl George J Filed | Kehl George J | Grant / award | +2.3K | |
Casey Lynn Filed | Casey Lynn | Grant / award | +2.3K | |
Welsh Timothy A Filed | Welsh Timothy A | Grant / award | +2.3K |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Stockfish Devin W Filed | Stockfish Devin W | Grant / award | +2.3K | |
Johnson Netha N. Filed | Johnson Netha N. | Grant / award | +2.3K | |
Pardee Charles G Filed | Pardee Charles G | Grant / award | +2.3K |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
31DROIC >12% Years0/10 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)18.0%D
Grade D: WeakMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years0/10 yrsD
Grade D: WeakShare of completed fiscal years with positive free cash flow
Net Margin Floor10.1%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$3.57
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$3.22
Cash & short-term investments per share (Finnhub)
Book Value / Share$38.53
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$41.65B
Total debt obligations (short + long term)
Cash & Equiv.$2.01B
Cash and short-term investments
Net Debt$39.64B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$24.06B
Shareholders' equity (book value)
Asset / Liability1.38xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$47.67B
Current Market Capitalization
Beta0.38B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Xcel Energy, Inc. (XEL)
XEL is up 1.58% at the last close. Piotroski F-Score of 5/9 indicates mixed fundamentals for Xcel Energy, Inc.. Altman Z-Score of 0.71 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.43 suggests a low likelihood of earnings manipulation.
- Free-cash-flow margin is negative (-53%) — the business currently burns cash.
- Company has negative FCF, making debt repayment from operations difficult.
- Interest coverage of 1.7× leaves little room for earnings shocks.
- The stock currently yields 3.0% in dividends.
See how XEL ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all XEL moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 6 | After-hours | 72.90 | +1.97% | 2.05 |
| Sep 29 | Regular | 70.73 | +1.92% | 2.15 |
Frequently Asked Questions about XEL
What is the current Xcel Energy, Inc. (XEL) stock price?
XEL is trading at $76.31 at the last market close, up 1.58% on the session. PreMarketPrice tracks XEL pre-market, intraday and after-hours prices.
Is XEL stock a buy right now?
PreMarketPrice's quantitative model rates Xcel Energy, Inc.'s financial health at 17/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is XEL stock overvalued?
Xcel Energy, Inc. trades at a trailing P/E of 21.3 and our valuation score rates it 37/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Xcel Energy, Inc. report earnings?
No confirmed earnings date is currently scheduled for XEL. The Earnings section lists recent reports and updates as dates are announced.
What sector does Xcel Energy, Inc. operate in?
Xcel Energy, Inc. operates in the Utilities sector, within the Electric & Other Services Combined industry. The Related Stocks section lists sector peers for comparison.
What does Xcel Energy, Inc. do?
Xcel Energy manages utilities serving 3.
About Xcel Energy, Inc. (XEL) Stock
Xcel Energy, Inc. (XEL) is a US-listed stock operating in the Utilities sector, specifically the Electric & Other Services Combined industry. As of the latest update, Xcel Energy, Inc. is trading at $76.31, up 1.58% on the day with a market capitalization of $47.7 billion. The financial health score for XEL is 17/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for XEL stock.
XEL Stock Analysis & Key Metrics
On PreMarketPrice, you can track Xcel Energy, Inc. (XEL) across multiple dimensions:
- Pre-market price & movement: Real-time XEL stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for XEL with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Xcel Energy, Inc. across multiple reporting periods.
- Financial health score: A composite score of 17/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for XEL.
- Sector peers: Compare XEL against 6 other utilities stocks on key financial metrics.
Is XEL a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Xcel Energy, Inc. (XEL) as an investment. The financial health score of 17/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Xcel Energy, Inc. (XEL) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.