XP Inc - Class A XP Stock Analysis
- Nasdaq
- Stock
- Market open · no trades yet today
$14.95 down $0.23, 1.48% on Nov 5
Last price · Previous close $15.17
- Market cap
- At the last price
- P/E ratio
- 7.79On last 12 months’ EPS
- Diluted EPS
- $1.92Last 12 months
- Dividend yield
- 2.54%Last 12 months
Price chart
$14.95down $0.23, 1.48%Thu, Nov 5 session
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Price data
Trading
- Previous close$15.17Nov 4
- Volume13.83MNov 4 session
Shares traded on all US exchanges in the last completed session. Live intraday volume covers IEX only, so it is left out.
- Avg. volume20.67MLast 21 sessions
The average daily shares traded over the last 21 trading sessions, about one calendar month.
- 52-week range: $13.78 to $32.73; now $14.95
The lowest and highest trades over the past 52 weeks, adjusted for splits. The marker shows the latest price.
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
Performance
Past performance, measured to the last price. Total return includes reinvested dividends.Price change only, without dividends. Compared with the S&P 500, using SPY.
XP trailed the S&P 500 in all 6 periods.
| Period | XP and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | XP: down 46.9% S&P 500: down 5.4% | XP trailed the S&P 500 by 41.5 percentage points Trailed |
| 3M | XP: down 12.0% S&P 500: down 4.5% | XP trailed the S&P 500 by 7.5 percentage points Trailed |
| YTD | XP: down 7.5% S&P 500: up 8.3% | XP trailed the S&P 500 by 15.8 percentage points Trailed |
| 1Y | XP: down 17.4% S&P 500: up 9.3% | XP trailed the S&P 500 by 26.7 percentage points Trailed |
| Long term | ||
| 3Y | XP: down 22.7% S&P 500: up 74.8% −8.2% vs +20.5% a year | XP trailed the S&P 500 by 97.5 percentage points Trailed |
| 5Y | XP: down 51.5% S&P 500: up 67.3% −13.5% vs +10.8% a year | XP trailed the S&P 500 by 118.8 percentage points Trailed |
$10,000 invested in XP 5 years ago (Nov 5, 2021) would be worth about $4,853 as of , with dividends reinvested. The same amount in the S&P 500 would be worth about $16,730.
XP trailed the S&P 500 in all 6 periods.
| Period | XP and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | XP: down 46.9% S&P 500: down 5.4% | XP trailed the S&P 500 by 41.5 percentage points Trailed |
| 3M | XP: down 12.0% S&P 500: down 4.8% | XP trailed the S&P 500 by 7.2 percentage points Trailed |
| YTD | XP: down 8.7% S&P 500: up 7.5% | XP trailed the S&P 500 by 16.2 percentage points Trailed |
| 1Y | XP: down 19.3% S&P 500: up 8.2% | XP trailed the S&P 500 by 27.5 percentage points Trailed |
| Long term | ||
| 3Y | XP: down 30.4% S&P 500: up 68.6% −11.4% vs +19.0% a year | XP trailed the S&P 500 by 99.0 percentage points Trailed |
| 5Y | XP: down 57.3% S&P 500: up 56.4% −15.6% vs +9.4% a year | XP trailed the S&P 500 by 113.7 percentage points Trailed |
$10,000 invested in XP 5 years ago (Nov 5, 2021) would be worth about $4,272 as of , not counting dividends. The same amount in the S&P 500 would be worth about $15,645.
All-time high
$51.17
Closing high on . Now 70.8% below that record.
Split-adjusted daily closes since Dec 11, 2019.
Stock splits
XP hasn’t split since its price history begins in 2019.
Valuation
Financials
Reported results, not forecasts. From company filings via Tiingo; the latest report is Q2 FY26, the quarter ended Jun 30, 2026. “Last 12 months” means the four quarters from Jul 1, 2025 to Jun 30, 2026, and balance-sheet figures are as of Jun 30, 2026.
Revenue and net income
Last 12 months, with the change from the 12 months before
- Revenue
- $3.62Bup 17.0%
- Net income
- $1.01Bup 16.0%
- Diluted EPS
- $1.92up 19.4%
Data table
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| Q3 FY24 (Sep 30, 2024) | $789.54M | $216.81M | $0.40 |
| Q4 FY24 (Dec 31, 2024) | $718.44M | $190.97M | $0.35 |
| Q1 FY25 (Mar 31, 2025) | $762.46M | $216.83M | $0.40 |
| Q2 FY25 (Jun 30, 2025) | $820.53M | $242.90M | $0.45 |
| Q3 FY25 (Sep 30, 2025) | $876.23M | $248.10M | $0.46 |
| Q4 FY25 (Dec 31, 2025) | $901.74M | $236.62M | $0.46 |
| Q1 FY26 (Mar 31, 2026) | $900.12M | $252.21M | $0.48 |
| Q2 FY26 (Jun 30, 2026) | $938.00M | $269.20M | $0.52 |
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| FY21 (Dec 31, 2021) | $2.17B | $644.42M | $1.12 |
| FY22 (Dec 31, 2022) | $2.52B | $676.57M | $1.18 |
| FY23 (Dec 31, 2023) | $3.06B | $803.86M | $1.48 |
| FY24 (Dec 31, 2024) | $2.76B | $730.33M | $1.33 |
| FY25 (Dec 31, 2025) | $3.36B | $944.08M | $1.77 |
Margins
- Gross 70.0%
- Operating 31.7%
- Net 27.8%
The percentages above the chart cover the last 12 months; the lines show each quarter. What margins tell you
Cash flow
- $2.70BLast 12 months
Cash from operations minus capital spending: the cash left after the business maintains and grows its assets.
FCF = Operating cash flow − Capital spendingFree cash flow - Operating cash flow$2.74BLast 12 months
- Capital spending$44.27MLast 12 months
- 74.6%Last 12 months
Free cash flow as a share of revenue, both over the last 12 months.
Shareholder returns
- $373.23MLast 12 months
Cash spent repurchasing shares, net of shares issued. Buybacks shrink the share count, so each remaining share owns more of the company.
- Dividends paidNot reportedLast 12 months
Balance sheet
- Not reportedAs of Jun 30, 2026
Cash plus short- and long-term marketable securities on the Jun 30, 2026 balance sheet.
- Total debt$46.27BAs of Jun 30, 2026
- 9.63As of Jun 30, 2026
Total debt divided by shareholders’ equity on the Jun 30, 2026 balance sheet: a measure of financial leverage.
D/E = Total debt ÷ Shareholders’ equityDebt-to-equity ratio
Financial strength
- 22.0%Last 12 months
Over the last 12 months, XP’s net income was 22.0% of its shareholders’ equity (averaged over the last four quarter-ends). It describes the past year, not an expected return.
ROE = Net income (last 12 months) ÷ Average equityReturn on equity - 1.3%Last 12 months
Over the last 12 months, XP’s net income was 1.3% of its total assets (averaged over the last four quarter-ends): what the business earned on everything it owns.
ROA = Net income (last 12 months) ÷ Average total assets
Dividends
Cash dividends per share by ex-dividend year, adjusted for splits.
Dividends per share
Data table
| Year | Per share |
|---|---|
| 2016 | $0.000 |
| 2017 | $0.000 |
| 2018 | $0.000 |
| 2019 | $0.000 |
| 2020 | $0.000 |
| 2021 | $0.000 |
| 2022 | $0.000 |
| 2023 | $1.31 |
| 2024 | $0.65 |
| 2025 | $0.18 |
| 2026 (to date) | $0.20 |
Dividend details
- $0.38Per share, last 12 months
Cash dividends per share with ex-dividend dates in the last 12 months.
- Dividend yield2.54%Last 12 months
- $0.20Ex-dividend
The most recent payment per share. Shares bought on or after the ex-dividend date don’t receive it.
- FrequencyAnnual2 payments in the last 12 months
- 19.8%Last 12 months
The share of earnings paid out as dividends over the last 12 months. Lower ratios leave more room to reinvest or raise the dividend.
Payout = Dividends per share ÷ Diluted EPS (both last 12 months)Payout ratio calculator
About XP Inc - Class A
XP Inc
- Sector
- Financial Services
- Industry
- Capital Markets
- Headquarters
- Brazil
- SEC filings
- EDGAR (opens in a new tab)
- Exchange
- Nasdaq
- Asset type
- Common stock
- Price history since
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XP stock FAQ
What is XP stock’s price today?
XP (XP) traded at $14.95 as of , down $0.23 (1.48%) from the previous close of $15.17. Over the past 52 weeks it has traded between $13.78 and $32.73.
If you invested $1,000 in XP 5 years ago, how much would you have now?
With dividends reinvested, $1,000 invested in XP on would be worth about $485 as of , a total return of −51.5%. The same $1,000 would be worth $826 if invested one year ago. Past performance doesn’t predict future returns.
What is XP’s P/E ratio?
XP trades at 7.8 times its diluted earnings over the four quarters to ($1.92 per share), at the last price on . (How the P/E ratio works.)
How much revenue does XP make?
XP reported $3.6 billion of revenue over the four quarters to , up 17.0% from the twelve months before. In its latest quarter (Q2 FY26, ended ) revenue was $938.0 million, up 14.3% from a year earlier.
Is XP profitable?
Yes. XP earned $1.0 billion of net income over the four quarters to , a net margin of 27.8%, and its operating margin was 31.7% (what margins tell you).
What are XP’s earnings per share?
XP’s diluted earnings per share were $1.92 over the four quarters to , compared with $1.61 in the twelve months before. The latest quarter (Q2 FY26) brought $0.52 per share, against $0.45 a year earlier (how EPS works).
Does XP pay a dividend?
Yes. XP pays a annual dividend. The most recent was $0.20 per share, with an ex-dividend date of . Over the last twelve months it paid $0.38 per share, a 2.54% yield at the last price on (how dividend yield works).
Based on the last 12 months’ payments ($0.38 per share), and if the next 12 months match the last 12, 100 shares would receive about $38 over 12 months, and $1,000 over 12 months would take about 2,632 shares, roughly $39,335 at the last price on . Dividends can change.
What is XP’s 52-week high and low?
Over the past 52 weeks XP has traded as low as $13.78 and as high as $32.73. At $14.95 as of , it is 54.3% below that high and 8.5% above the low.
What is XP’s all-time high?
XP’s highest closing price was $51.17 on , adjusted for stock splits. At $14.95 as of , it is 70.8% below that record.
Has XP stock ever split?
No. XP hasn’t split since its price history begins in 2019.
How has XP stock performed?
Including dividends and measured to the last price on , XP has returned −7.5% so far this year and −17.4% over the past year, and −51.5% over five years (−13.5% a year). Over the same periods the S&P 500, measured by SPY, returned +8.3%, +9.3% and +67.3%. Past performance doesn’t predict future returns.
What sector and industry is XP in?
XP is in the Financial Services sector and the Capital Markets industry, and is headquartered in Brazil.
What exchange does XP trade on?
XP trades on the Nasdaq under the ticker symbol XP. Its price history on this dashboard begins on .
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
About this data. Data sourced by Tiingo (opens in a new tab). The live price is Tiingo’s real-time price, based on IEX trades and quotes; intraday charts show IEX trades, and volume figures are consolidated totals for completed sessions. Prices are split-adjusted, and total returns assume dividends are reinvested. Financials come from company filings and can lag new reports. Times are Eastern.
This page is for education, not investment advice. Past performance doesn't predict future returns. Logos provided by Logo.dev (opens in a new tab).
The Interactive Brokers word and logo are trademarks of Interactive Brokers LLC (or its subsidiaries) in the US and/or elsewhere. All rights reserved.