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XP Inc.

XP • Financial - Capital Markets
$19.86
▼ -0.14 (-0.70%)
Current price
EarningsLatest report: Jun 30, 2026
FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$8.29B
Growth
59.0%
Cash Flow
4/5
Trend
Mostly stable
Evidence
Stable or improving margins · 27.8%Positive revenue growth · 10.5%Positive free cash flow · 22.44Consistent free cash flow · 4/5Reasonable earnings multiple · 9.33
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 19, 2026, 12:07 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$19.86
Change-0.70%
Market Cap$8.29B
52W Range14.80 - 23.13
Beta1.10
Gross Margin67.36%
Oper. Margin32.42%
Profit Margin27.79%
Debt/Eq3.62
Current Ratio0.56
Quick Ratio0.56
Revenue 5Y59.04%

Investment DNA

How strong this company looks for long-term investors

81
out of 100
Business Quality
Margins, moat, returns
85/100
Financial Strength
Debt, cash, stability
36/100
Growth Potential
Revenue and expansion
95/100
Price Attractiveness
Cheap or expensive today
81/100
Why this score▼
Stable or improving margins · 27.8%Positive revenue growth · 10.5%Positive free cash flow · 22.44Consistent free cash flow · 4/5Reasonable earnings multiple · 9.33High debt level · 3.62

Analyst view

Analyst sentiment and price target

Analyst sentiment
No vote count available
Bullish
0
Hold
0
Bearish
0
Price Target
2026-08-19
Low
$19.00
Mean
$24.57
Median
$24.00
High
$33.00

Company Overview

IPO: 12/11/2019
Industry: Financial - Capital Markets
P/B i: 2.01
Debt / Equity i: 3.62
Operating Margin: 32.42%
Net Margin: 27.79%
ROE i: -
ROIC: -

Financial Health

Score7 / 20
Debt / Equity: 3.62
Current Ratio: 0.56
Quick Ratio: 0.56
Status: Weak

Warnings

  • High debt level
  • Weak Liquidity
  • Weak quick ratio

Insider Transactions

Recent executive and insider activity

⚠ 1 high-volume insider sell detected
Viviani Gustavo Alejo
Transaction: 08/03/2026
OTHER
Change
0
Price
Not reported
Filing
08/07/2026
Type
OTHER
Majolo Jose Luiz
Transaction: 05/29/2026
OTHER
Change
0
Price
Not reported
Filing
08/07/2026
Type
OTHER
Escobari Martin
Transaction: 03/18/2026
OTHER
Change
0
Price
Not reported
Filing
03/18/2026
Type
OTHER