Stock Scorecard
Stock Summary for XP Inc - Class A (XP) - $17.57 as of 10/3/2025 3:36:12 PM EST
Total Score
18 out of 30
Safety Score
73 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for XP
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for XP
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for XP
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for XP
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for XP (73 out of 100)
| Stock Price Rating (Max of 10) | 6 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 2 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 10 |
| Analyst Buy Ratings (Max of 5) | 5 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 10 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Financial Details for XP
Company Overview |
|
|---|---|
| Ticker | XP |
| Company Name | XP Inc - Class A |
| Country | USA |
| Description | XP Inc. is a leading financial services firm based in São Paulo, Brazil, specializing in a wide array of investment and wealth management products tailored for individual and institutional clients. With a strong emphasis on technology-driven solutions, XP has revolutionized the investment landscape in Brazil by providing a comprehensive digital platform that facilitates easy access to a diverse range of financial instruments, including equities, fixed income, and mutual funds. The company is well-positioned to capitalize on the growing demand for financial literacy and investment opportunities in Brazil’s expanding middle class. XP's commitment to innovation and customer-centric services solidifies its standing as a major player in the Brazilian financial market. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | CAPITAL MARKETS |
| Most Recent Quarter | 6/30/2025 |
| Next Earnings Date | 11/18/2025 |
Stock Price History |
|
| Last Day Price | 17.57 |
| Price 4 Years Ago | 25.90 |
| Last Day Price Updated | 10/3/2025 3:36:12 PM EST |
| Last Day Volume | 7,375,111 |
| Average Daily Volume | 7,263,586 |
| 52-Week High | 20.64 |
| 52-Week Low | 10.82 |
| Last Price to 52 Week Low | 62.38% |
Valuation Measures |
|
| Trailing PE | 10.14 |
| Industry PE | 24.65 |
| Sector PE | 24.26 |
| 5-Year Average PE | 2.91 |
| Free Cash Flow Ratio | 0.62 |
| Industry Free Cash Flow Ratio | 46.12 |
| Sector Free Cash Flow Ratio | 43.16 |
| Current Ratio Most Recent Quarter | 0.79 |
| Total Cash Per Share | 28.55 |
| Book Value Per Share Most Recent Quarter | 42.26 |
| Price to Book Ratio | 2.21 |
| Industry Price to Book Ratio | 4.46 |
| Sector Price to Book Ratio | 2.28 |
| Price to Sales Ratio Twelve Trailing Months | 0.54 |
| Industry Price to Sales Ratio Twelve Trailing Months | 6.53 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.93 |
| Analyst Buy Ratings | 6 |
| Analyst Strong Buy Ratings | 3 |
Share Statistics |
|
| Total Shares Outstanding | 423,411,000 |
| Market Capitalization | 7,439,331,270 |
| Institutional Ownership | 87.92% |
Dividends |
|
| Ex-Dividend Date | 12/10/2024 |
| Previous Dividend Amount | 0.7300 |
| Current Dividend Amount | 0.6500 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.65 |
| Trailing Annual Dividend Yield | 3.70% |
| Forward Annual Dividend Rate | 0.65 |
| Forward Annual Dividend Yield | 3.70% |
| 5-Year Dividend Payments Count | 3 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | -50.57% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | -50.57% |
| Dividend Payout Ratio | 38.01% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 21.50% |
| Annual Earnings Growth | 15.77% |
| Reported EPS 12 Trailing Months | 1.71 |
| Reported EPS Past Year | 4.75 |
| Reported EPS Prior Year | 6.67 |
| Net Income Twelve Trailing Months | 4,920,603,000 |
| Net Income Past Year | 4,513,409,000 |
| Net Income Prior Year | 3,898,702,000 |
| Quarterly Revenue Growth YOY | 6.60% |
| 5-Year Revenue Growth | 15.61% |
| Operating Margin Twelve Trailing Months | 30.50% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 12,087,514,000 |
| Total Cash Past Year | 5,610,548,000 |
| Total Cash Prior Year | 3,943,307,000 |
| Net Cash Position Most Recent Quarter | 8,585,514,000 |
| Net Cash Position Past Year | -27,682,389,000 |
| Long Term Debt Past Year | 33,292,937,000 |
| Long Term Debt Prior Year | 27,725,421,000 |
| Total Debt Most Recent Quarter | 3,502,000,000 |
| Equity to Debt Ratio Past Year | 0.38 |
| Equity to Debt Ratio Most Recent Quarter | 0.86 |
| Total Stockholder Equity Past Year | 20,043,557,000 |
| Total Stockholder Equity Prior Year | 19,449,352,000 |
| Total Stockholder Equity Most Recent Quarter | 22,263,249,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 10,357,148,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 24.46 |
| Free Cash Flow Past Year | 10,848,752,000 |
| Free Cash Flow Prior Year | 7,931,078,000 |
Options |
|
| Put/Call Ratio | 0.28 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 1.11 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 10/4/2025 12:50:45 PM EST |