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About XP
XP Inc is a Cayman Island-based technology-driven financial services platform. 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.
Ticker
$XP
Sector
Primary listing
Employees
-
Headquarters
Grand Cayman, Cayman Islands
Website
XP Metrics
BasicAdvanced
$9.8B
10.89
$1.71
1.11
$0.65
3.49%
Price and volume
Market cap
$9.8B
Beta
1.11
52-week high
$20.64
52-week low
$10.82
Average daily volume
6.2M
Dividend rate
$0.65
Financial strength
Current ratio
1.279
Quick ratio
1.936
Long term debt to equity
62.735
Total debt to equity
774.535
Dividend payout ratio (TTM)
41.40%
Profitability
Gross margin (TTM)
69.01%
Net profit margin (TTM)
29.28%
Operating margin (TTM)
30.32%
Effective tax rate (TTM)
3.33%
Management effectiveness
Return on assets (TTM)
1.47%
Return on equity (TTM)
23.32%
Valuation
Price to earnings (TTM)
10.894
Price to revenue (TTM)
3.17
Price to book
0.45
Price to tangible book (TTM)
0.51
Price to free cash flow (TTM)
5.173
Free cash flow yield (TTM)
19.33%
Free cash flow per share (TTM)
3.598
Dividend yield (TTM)
3.49%
Growth
Revenue change (TTM)
6.65%
Earnings per share change (TTM)
18.83%
3-year revenue growth (CAGR)
9.65%
3-year earnings per share growth (CAGR)
12.66%
What the Analysts think about XP
Analyst ratings (Buy, Hold, Sell) for XP stock.
Bulls say / Bears say
XP is suing Grizzly Research to recover more than $100 million in claimed damages and to counter short-seller accusations, an effort that may restore investor confidence in its stock price.
Brazil’s finance ministry has increased its 2025 GDP growth estimate to 2.5% from 2.4%, signaling a stronger economy that could boost XP’s client asset inflows.
Brazil’s economy grew 2.9% year-over-year in the first quarter of 2025, supported by strong agriculture and investment, creating a positive macro backdrop for XP’s financial services business.
Brazil’s central bank has increased the minimum capital requirement to 9.1 billion reais. This move places a greater capital burden on XP and could limit its capacity to fund expansion.
Proposals tied to Brazil’s fiscal measures could impose higher taxes on fintech and payment companies. If implemented, this would raise XP’s tax costs and pressure its profit margins.
Brazil’s Selic interest rate stands at 14.75%, the highest in 20 years, making monetary conditions tighter and potentially slowing trading activity and net inflows on XP’s platform.
Data summarised monthly by Lightyear AI. Last updated on 7 Nov 2025.
XP Financial Performance
Revenues and expenses
XP Earnings Performance
Company profitability
XP News
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Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for XP stock?
XP (XP) has a market cap of $9.8B as of November 09, 2025.
What is the P/E ratio for XP stock?
The price to earnings (P/E) ratio for XP (XP) stock is 10.89 as of November 09, 2025.
Does XP stock pay dividends?
Yes, the XP (XP) stock pays dividends to shareholders. As of November 09, 2025, the dividend rate is $0.65 and the yield is 3.49%. XP has a payout ratio of 41.4% on a trailing twelve-month basis.
When is the next XP dividend payment date?
The next XP (XP) dividend payment date is unconfirmed.
What is the beta indicator for XP?
XP (XP) has a beta rating of 1.11. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.