XP Inc. Class A Common Stock (XP) Stock Analysis
Sector: Other
AnalystsStrong Buy19 analystsStrengths
- ✓ROE 22.0% — efficient capital deployment
- ✓Interest coverage 11.7× — debt well covered
What's happening with XP
Price History
5-Year Weekly Candlestick Chart
About XP Inc. Class A Common Stock
XP Inc is a Cayman Island-based technology-driven financial services platform. Show more
It is a provider of low-fee financial products and services in Brazil. The company evaluates its business through a single segment such as monitoring operations, making decisions on fund allocation, and evaluating the performance. It generates revenue through the Brokerage commission. Geographically, the company derives maximum revenue from Brazil and also has its presence in other countries.
Employees: 8,069 · Website ↗
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
Valuation
50CP/E (TTM)—
Price / TTM EPS (own statements)
P/FCF2.5xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield40.2%A
Grade A: ValueTTM FCF / Market Cap
P/S (TTM)2.76xB
Grade B: FairPrice / TTM Revenue (own statements)
EV/EBITDA39.0xD
Grade D: ExpensiveEnterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales13.1xD
Grade D: Very expensiveEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E9.2xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.91xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.65A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.92%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio9.6%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
50CROIC—
NOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE22.0%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA1.3%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin28.1%A
Grade A: HighNet Income / Revenue
Operating Margin—
TTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
0ERevenue CAGR—
Compound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR—
Compound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth—
Implied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
25EAltman Z-Score—
Bankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.09xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.07xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage11.7xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity8.57xD
Grade D: HighDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Quality
0EPiotroski F-Score—
Financial strength 0–9. >7 Strong
Beneish M-Score—
Earnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability—
EBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.05xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Per Share, Balance Sheet, MarketHide additional metrics
Per Share
EPS (TTM)—
TTM net income per share (Finnhub fallback)
Cash / Share$19.96
Cash & short-term investments per share (Finnhub)
Book Value / Share$45.39
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt—
Total debt obligations (short + long term)
Cash & Equiv.—
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity—
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$10.47B
Current Market Capitalization
Beta1.16B
Grade B: MarketPrice 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.
Ratio snapshot Sep 30, 2026
Key Insights: XP Inc. Class A Common Stock (XP)
XP is up 1.83% in today's pre-market session.
- Return on equity of 22.0% is well above the market average.
Insider Transactions
Recent SEC Form 4 filings · 1 records
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Dos Santos Bruno Constantino Alexandre Filed | Dos Santos Bruno Constantino Alexandre | SellOpen market sale | -123257 |
See how XP ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all XP moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Sep 21 | Regular | 20.74 | +3.62% | 2.42 |
Frequently Asked Questions about XP
What is the current XP Inc. Class A Common Stock (XP) stock price?
XP is trading at $20.64 in pre-market trading, up 1.83% on the session. PreMarketPrice tracks XP pre-market, intraday and after-hours prices.
Is XP stock a buy right now?
PreMarketPrice's quantitative model rates XP Inc. Class A Common Stock's financial health at 25/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is XP stock overvalued?
XP Inc. Class A Common Stock trades at a trailing P/E of n/a and our valuation score rates it 50/100 (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 XP Inc. Class A Common Stock report earnings?
No confirmed earnings date is currently scheduled for XP. The Earnings section lists recent reports and updates as dates are announced.
What sector does XP Inc. Class A Common Stock operate in?
XP Inc. Class A Common Stock operates in the Other sector. The Related Stocks section lists sector peers for comparison.
What does XP Inc. Class A Common Stock do?
XP Inc is a Cayman Island-based technology-driven financial services platform.
About XP Inc. Class A Common Stock (XP) Stock
XP Inc. Class A Common Stock (XP) is a US-listed stock operating in the Other sector. As of the latest update, XP Inc. Class A Common Stock is trading at $20.64, up 1.83% on the day with a market capitalization of $10.5 billion. The financial health score for XP is 25/100, 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 XP stock.
XP Stock Analysis & Key Metrics
On PreMarketPrice, you can track XP Inc. Class A Common Stock (XP) across multiple dimensions:
- Pre-market price & movement: Real-time XP 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 XP with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for XP Inc. Class A Common Stock across multiple reporting periods.
- Financial health score: A composite score of 25/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for XP.
- Sector peers: Compare XP against 10 other other stocks on key financial metrics.
Is XP a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate XP Inc. Class A Common Stock (XP) as an investment. The financial health score of 25/100 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.XP Inc. Class A Common Stock (XP) 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.