Stock Scorecard
Stock Summary for XP Inc - Class A (XP) - $17.92 as of 5/22/2026 3:43:12 PM EST
Total Score
16 out of 30
Safety Score
49 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 (49 out of 100)
| Stock Price Rating (Max of 10) | 6 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 4 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 5 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 1 |
| 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) | -10 |
Latest News for for XP
Financial Details for XP
Company Overview |
|
|---|---|
| Ticker | XP |
| Company Name | XP Inc - Class A |
| Country | USA |
| Description | XP Inc. offers financial products and services in Brazil. The company is headquartered in So Paulo, Brazil. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | CAPITAL MARKETS |
| Most Recent Quarter | 3/31/2026 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 17.92 |
| Price 4 Years Ago | 13.69 |
| Last Day Price Updated | 5/22/2026 3:43:12 PM EST |
| Last Day Volume | 5,894,171 |
| Average Daily Volume | 5,223,651 |
| 52-Week High | 23.13 |
| 52-Week Low | 15.45 |
| Last Price to 52 Week Low | 15.99% |
Valuation Measures |
|
| Trailing PE | 8.49 |
| Industry PE | 14.99 |
| Sector PE | 17.97 |
| 5-Year Average PE | 3.23 |
| Free Cash Flow Ratio | 0.86 |
| Industry Free Cash Flow Ratio | 5.57 |
| Sector Free Cash Flow Ratio | 40.68 |
| Current Ratio Most Recent Quarter | 0.49 |
| Total Cash Per Share | 20.93 |
| Book Value Per Share Most Recent Quarter | 9.08 |
| Price to Book Ratio | 1.85 |
| Industry Price to Book Ratio | 3.24 |
| Sector Price to Book Ratio | 2.07 |
| Price to Sales Ratio Twelve Trailing Months | 0.48 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.35 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.88 |
| Analyst Buy Ratings | 7 |
| Analyst Strong Buy Ratings | 3 |
Share Statistics |
|
| Total Shares Outstanding | 414,925,000 |
| Market Capitalization | 7,435,456,000 |
| Institutional Ownership | 98.99% |
Dividends |
|
| Ex-Dividend Date | 6/10/2026 |
| Previous Dividend Amount | 0.1800 |
| Current Dividend Amount | 0.2000 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.18 |
| Trailing Annual Dividend Yield | 1.00% |
| Forward Annual Dividend Rate | 0.20 |
| Forward Annual Dividend Yield | 1.12% |
| 5-Year Dividend Payments Count | 5 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 11.11% |
| 3-Year Dividend Growth Rate Percentage | -44.53% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | -46.62% |
| Dividend Payout Ratio | 9.38% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 8.90% |
| Annual Earnings Growth | -2.11% |
| Reported EPS 12 Trailing Months | 1.98 |
| Reported EPS Past Year | 2.49 |
| Reported EPS Prior Year | 9.78 |
| Net Income Twelve Trailing Months | 5,167,342,414 |
| Net Income Past Year | 5,068,235,842 |
| Net Income Prior Year | 5,177,367,669 |
| Quarterly Revenue Growth YOY | 9.70% |
| 5-Year Revenue Growth | 16.24% |
| Operating Margin Twelve Trailing Months | 29.90% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 8,683,042,000 |
| Total Cash Past Year | 10,356,636,000 |
| Total Cash Prior Year | 5,610,548,000 |
| Net Cash Position Most Recent Quarter | 5,181,042,000 |
| Net Cash Position Past Year | -21,754,154,000 |
| Long Term Debt Past Year | 32,110,790,000 |
| Long Term Debt Prior Year | 33,292,937,000 |
| Total Debt Most Recent Quarter | 3,502,000,000 |
| Equity to Debt Ratio Past Year | 0.42 |
| Equity to Debt Ratio Most Recent Quarter | 0.87 |
| Total Stockholder Equity Past Year | 23,546,701,000 |
| Total Stockholder Equity Prior Year | 20,043,557,000 |
| Total Stockholder Equity Most Recent Quarter | 24,414,302,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 15,048,820,157 |
| Free Cash Flow Per Share Twelve Trailing Months | 36.27 |
| Free Cash Flow Past Year | 11,835,541,000 |
| Free Cash Flow Prior Year | 10,848,752,000 |
Options |
|
| Put/Call Ratio | 0.14 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -0.69 |
| MACD Signal | -0.50 |
| 20-Day Bollinger Lower Band | 16.26 |
| 20-Day Bollinger Middle Band | 19.19 |
| 20-Day Bollinger Upper Band | 22.11 |
| Beta | 1.19 |
| RSI | 41.02 |
| 50-Day SMA | 18.36 |
| 150-Day SMA | 18.55 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 5/23/2026 10:45:34 AM EST |