XP (XP) Stock Price

XP Price

NASDAQ·CLOSED
87.12BRL+3.82 (+4.48 %)
Market closed

Over the last 8 years XP grew revenue by 38.6% annually, reaching 17.03 B BRL. Earnings per share have grown at 48.8% per year over the last 8 years. For XP, the net margin of 26.5% is up versus 25.5% a few years ago. At today's price the dividend yield works out to roughly 0.75%. The payout ratio is around 41% of earnings. The consensus 12-month price target for XP is 121.79 BRL, about 39.8% above where the stock trades today. Of 19 analysts, 16 rate the stock a buy — an overall Buy consensus. The stock trades about 12% above its 52-week low.

XP stock price

Volume
Ex-Dividend
Details

Stock Price

ⓘ

How to Read This Chart

This chart tracks the historical stock price of XP over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how XP stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing XP's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

XP Stock Price History
DateXP Price
8/21/202687.12 BRL
8/20/202683.30 BRL
8/19/202685.71 BRL
8/18/202681.51 BRL
8/14/202682.01 BRL
8/13/202681.80 BRL
8/12/202678.74 BRL
8/10/202682.74 BRL
8/7/202683.14 BRL
8/6/202684.94 BRL
8/5/202687.44 BRL
8/4/202686.22 BRL
8/3/202686.30 BRL
7/31/202686.30 BRL
7/29/202683.51 BRL
7/27/202685.08 BRL
7/24/202684.83 BRL
7/22/202687.88 BRL
6/22/202682.38 BRL
6/18/202678.75 BRL
6/17/202678.40 BRL
6/16/202679.35 BRL
6/15/202679.84 BRL
6/12/202681.82 BRL
6/11/202680.76 BRL
6/10/202677.55 BRL
6/5/202677.62 BRL
6/4/202679.21 BRL
6/3/202678.29 BRL
6/2/202681.09 BRL
6/1/202683.41 BRL
5/29/202684.10 BRL
5/28/202686.03 BRL
5/27/202686.46 BRL
5/26/202686.45 BRL
5/22/202684.38 BRL
5/21/202689.81 BRL
5/20/202688.98 BRL
5/19/202683.74 BRL
5/14/202688.20 BRL
4/22/2026101.32 BRL
4/21/2026100.77 BRL
4/20/2026103.75 BRL
4/16/2026105.35 BRL
4/15/2026103.96 BRL
4/14/2026105.81 BRL
4/13/2026102.41 BRL
4/9/2026101.50 BRL
4/8/2026100.57 BRL
4/7/202695.92 BRL
4/6/202698.14 BRL
4/2/202696.43 BRL
4/1/202696.54 BRL
3/31/202699.46 BRL
3/30/202692.91 BRL
3/27/202693.03 BRL
3/26/202697.30 BRL
3/25/2026103.04 BRL
3/24/2026101.23 BRL
3/23/2026102.67 BRL
3/20/202695.64 BRL
3/19/2026100.25 BRL
3/18/202697.01 BRL
3/17/202699.13 BRL
3/16/2026101.24 BRL
3/13/202695.43 BRL
3/12/202693.23 BRL
3/11/2026103.16 BRL
3/10/2026104.28 BRL
3/9/2026102.15 BRL
3/6/202698.35 BRL
3/5/2026103.45 BRL
3/4/2026108.15 BRL
3/3/2026106.34 BRL
3/2/2026113.04 BRL
2/27/2026111.00 BRL
2/26/2026111.95 BRL
2/25/2026114.58 BRL
2/24/2026116.22 BRL
2/23/2026112.39 BRL
2/20/2026119.67 BRL
2/19/2026112.43 BRL
2/18/2026105.29 BRL
2/17/2026102.88 BRL
2/13/2026103.72 BRL
2/12/2026102.33 BRL
2/11/2026105.29 BRL
2/10/2026103.72 BRL
2/9/2026106.35 BRL
2/6/2026101.55 BRL
2/5/202698.05 BRL
2/4/202699.14 BRL
2/3/2026103.71 BRL
2/2/2026104.11 BRL
1/30/2026101.87 BRL
1/29/2026104.09 BRL
1/28/2026105.54 BRL
1/27/2026106.16 BRL
1/26/2026105.36 BRL
1/23/2026106.63 BRL
1/22/2026105.40 BRL
1/21/2026102.24 BRL
1/20/202698.74 BRL
1/16/202693.48 BRL
1/15/202693.70 BRL
1/14/202693.08 BRL
1/13/202691.57 BRL
1/12/202692.64 BRL
1/9/202692.14 BRL
1/8/202692.32 BRL
1/7/202690.79 BRL
1/6/202692.05 BRL
1/5/202692.61 BRL
1/2/202687.99 BRL
12/31/202589.67 BRL
12/30/202591.34 BRL
12/29/202591.64 BRL
12/26/202590.77 BRL
12/24/202590.71 BRL
12/23/202591.52 BRL
12/22/202589.63 BRL
12/19/202588.53 BRL
12/18/202588.10 BRL
12/17/202586.66 BRL
12/16/202589.95 BRL
12/15/202594.77 BRL
12/12/202594.47 BRL
12/11/202596.69 BRL
12/10/202597.46 BRL
12/9/202598.69 BRL
12/8/202599.19 BRL
12/5/202594.97 BRL
12/4/2025105.31 BRL
12/3/2025102.28 BRL
12/2/2025107.27 BRL
12/1/2025105.28 BRL
11/28/2025105.23 BRL
11/26/2025102.63 BRL
11/25/202597.38 BRL
11/24/202595.60 BRL
11/21/202593.30 BRL
11/20/202591.32 BRL
11/19/202596.04 BRL
11/18/202598.53 BRL
11/17/202596.01 BRL
11/14/202598.95 BRL
11/13/2025100.80 BRL
11/12/2025101.22 BRL
11/11/2025104.68 BRL
11/10/2025100.54 BRL
11/7/202599.81 BRL
11/6/202599.51 BRL
11/5/2025100.02 BRL
11/4/202597.46 BRL
11/3/202598.34 BRL
10/31/202598.04 BRL
10/30/202596.53 BRL
10/29/202597.35 BRL
10/28/202596.09 BRL
10/27/202594.63 BRL
10/23/202592.52 BRL
10/22/202590.27 BRL
10/21/202591.69 BRL
10/20/202594.40 BRL
10/16/202589.40 BRL
10/15/202590.32 BRL
10/14/202588.21 BRL
10/13/202587.44 BRL
10/9/202586.65 BRL
10/8/202586.84 BRL
10/7/202587.70 BRL
10/6/202591.46 BRL
10/2/202593.34 BRL
10/1/202596.82 BRL
9/30/202599.91 BRL
9/29/2025101.48 BRL
9/25/2025100.31 BRL
9/24/2025101.70 BRL
9/23/2025104.06 BRL
9/22/2025104.08 BRL
9/18/2025106.04 BRL
9/17/2025105.70 BRL
9/16/2025101.62 BRL
9/15/2025100.03 BRL
9/11/2025102.44 BRL
9/10/2025101.34 BRL
9/9/202598.72 BRL
9/8/2025100.17 BRL
9/4/202597.72 BRL
9/3/202597.13 BRL
9/2/202597.89 BRL
8/28/2025100.51 BRL
8/27/202593.00 BRL
8/26/202590.58 BRL
8/25/202590.77 BRL
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XP Revenue, EBIT, Net Income

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  • Max

Revenue
EBIT
Net Income
Details
Date
Revenue
EBIT
Net Income
Jan 1, 2022
13.35 B BRL
3.87 B BRL
3.58 B BRL
Jan 1, 2023
14.86 B BRL
4.56 B BRL
3.90 B BRL
Jan 1, 2024
17.03 B BRL
5.75 B BRL
4.51 B BRL
Jan 1, 2025 (e)
18.31 B BRL
5.71 B BRL
5.31 B BRL
Jan 1, 2026 (e)
20.10 B BRL
6.27 B BRL
5.73 B BRL
Jan 1, 2027 (e)
22.61 B BRL
7.05 B BRL
6.51 B BRL
Jan 1, 2028 (e)
25.58 B BRL
7.98 B BRL
7.23 B BRL
Jan 1, 2029 (e)
27.99 B BRL
8.73 B BRL
8.67 B BRL

XP Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 22, 2026, 5:25 PM
 
REVENUEB BRL
REVENUE GROWTH%
EBITB BRL
EBIT MARGIN%
NET INCOMEB BRL
NET INCOME GROWTH%
DIV.BRL
DIV. GROWTH%
SHARESM
2016201720182019202020212022202320242025e2026e2027e2028e2029e2030e
1.251.912.965.138.1512.0813.3514.8617.0318.3120.3823.0826.1028.4430.88
–52.3255.1173.3658.9748.1510.5211.3414.607.5311.2813.2313.118.978.59
0.370.640.711.632.533.963.874.565.755.716.367.208.148.879.63
29.8733.4024.1031.7730.9732.8128.9730.6733.7531.1931.1931.1931.1931.1831.19
0.190.410.461.082.083.593.583.904.515.315.766.597.348.81–
–119.0511.35134.2792.2272.88-0.288.9115.7817.688.5314.3311.4320.01–
–––––––1.310.650.180.180.18–––
––––––––-50.38-72.31–––––
552.00552.00552.00552.00559.00573.00573.00544.21548.32548.32548.32548.32548.32548.32548.32
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales XP generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue XP retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare XP's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares XP has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against XP's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

XP stock margins

The XP margin analysis displays the gross margin, EBIT margin, as well as the profit margin of XP. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for XP.

  • 3 Years

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  • Max

Gross margin
EBIT margin
Profit margin
Details
Date
Gross margin
EBIT margin
Profit margin
Jan 1, 2020
0.00 %
30.97 %
25.47 %
Jan 1, 2021
0.00 %
32.81 %
29.72 %
Jan 1, 2022
0.00 %
28.97 %
26.82 %
Jan 1, 2023
0.00 %
30.67 %
26.24 %
Jan 1, 2024
0.00 %
33.75 %
26.50 %
Jan 1, 2025 (e)
0.00 %
31.19 %
29.00 %
Jan 1, 2026 (e)
0.00 %
31.19 %
28.52 %
Jan 1, 2027 (e)
0.00 %
31.19 %
28.79 %

XP Stock Revenue, EBIT, Earnings per Share

The XP earnings per share therefore indicates how much revenue XP has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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  • Max

Revenue per Share
EBIT per share
Earnings per Share
Details
Date
Revenue per Share
EBIT per share
Earnings per Share
Jan 1, 2020
14.58 BRL
4.52 BRL
3.71 BRL
Jan 1, 2021
21.08 BRL
6.92 BRL
6.26 BRL
Jan 1, 2022
23.29 BRL
6.75 BRL
6.25 BRL
Jan 1, 2023
27.31 BRL
8.38 BRL
7.16 BRL
Jan 1, 2024
31.06 BRL
10.48 BRL
8.23 BRL
Jan 1, 2025 (e)
33.40 BRL
10.42 BRL
9.69 BRL
Jan 1, 2026 (e)
36.66 BRL
11.43 BRL
10.46 BRL
Jan 1, 2027 (e)
41.24 BRL
12.86 BRL
11.87 BRL

XP business model & stock analysis

Xp Inc is a Brazilian company that was founded in Sao Paulo in 2001 and operates as a financial services provider. The company is one of Brazil's largest digital investment platforms and offers a variety of products and services to a broad target audience of investors who want to invest their money effectively. The business model of XP Inc is based on the concept of asset management. As an online platform, the company offers a comprehensive selection of investment products such as stocks, bonds, funds, ETFs, commodities, and currencies. In addition to asset management, XP also provides investment advisory, financial education, and online tools to help investors make informed decisions and optimize their portfolios. XP Inc has various business segments including investments, wealth management, fund business, asset management, and insurance. Each of these segments offers investment opportunities tailored to the different needs and goals of investors. XP Investments is the core of the company and provides direct investment and trading services. Additionally, XP also offers wealth management services to affluent clients who want to manage individual portfolios and develop strategies to achieve their investment goals. XP Fund Business is a segment that specializes in offering investment funds in various categories. These include equity funds, bond funds, commodity funds, and alternative investment funds. The funds are managed by an independent investment committee selected based on criteria such as performance, risk, and liquidity. XP Asset Management is a segment that operates as an asset manager for affluent clients and institutions. The team of experienced investment experts uses a disciplined investment strategy to create a balanced portfolio of investment products tailored to the needs of clients. XP Insurance offers a wide range of insurance products tailored to the needs of customers. These include life insurance, accident and health insurance, liability insurance, and more. XP Inc has pursued a strong growth strategy in recent years and has reached over 2 million customers with an investment volume of over 50 billion US dollars. The company has also expanded and opened branches in several countries such as the United States, Portugal, and Switzerland. Xp Inc is an innovative company that is always striving to improve and expand its services and products to meet customer expectations. With a wide range of investment products, an efficient digital platform, and excellent customer support, XP Inc is one of Brazil's top financial services companies.

XP SWOT Analysis

Strengths

XP Inc has several strengths that contribute to its success:

  • Strong market presence and brand recognition
  • Diversified and innovative product offerings
  • Robust technology infrastructure
  • Extensive distribution network
  • Highly skilled and experienced management team

Weaknesses

However, XP Inc also faces certain weaknesses:

  • Reliance on a specific market segment
  • Uncertainty in regulatory environment
  • Higher operating costs compared to some competitors
  • Limited geographical presence

Opportunities

Opportunities that XP Inc can capitalize on include:

  • Expanding into new markets and customer segments
  • Continued growth of digital and online financial services
  • Increasing demand for investment and wealth management services
  • Partnerships and acquisitions to enhance product offerings

Threats

XP Inc faces several threats that may impact its performance:

  • Intense competition from traditional financial institutions and fintech startups
  • Market volatility and economic downturns
  • Changing customer preferences and expectations
  • Regulatory changes and compliance challenges

XP Employees

  • 3 Years

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  • Max

XP Employees
Details
Date
XP Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

XP Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

XP historical P/E ratio, EBIT multiple, and P/S ratio

XP annual returns

Details

Annual Return

ⓘ

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

XP shares outstanding

The number of shares of XP was 548.32 M in 2025. This indicates how many shares XP is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

  • 3 Years

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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
559.00 M Stocks
Jan 1, 2021
573.00 M Stocks
Jan 1, 2022
573.00 M Stocks
Jan 1, 2023
544.21 M Stocks
Jan 1, 2024
548.32 M Stocks
Jan 1, 2025 (e)
548.32 M Stocks
Jan 1, 2026 (e)
548.32 M Stocks
Jan 1, 2027 (e)
548.32 M Stocks

XP Dividend History

4 years of dividend payments

YearAnnual DividendYoY ChangePayments
20260.20BRLYTD—1×
Jun 10, 20260.20BRL↑ 11.1%1/1
20250.18BRL↓ 72.3%1×
Dec 10, 20250.18BRL↓ 72.3%1/1
20240.65BRL↓ 50.6%1×
20231.31BRL—2×

XP dividend history and estimates

In 2025, XP paid a dividend amounting to 0.18 BRL. Dividend means that XP distributes a portion of its profits to its owners.

  • 3 Years

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  • 25 Years

  • Max

Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2023
1.31 BRL
0.00 BRL
Jan 1, 2024
0.65 BRL
0.00 BRL
Jan 1, 2025
0.18 BRL
0.00 BRL
Jan 1, 2026 (e)
0.00 BRL
0.18 BRL
Jan 1, 2027 (e)
0.00 BRL
0.18 BRL

XP dividend payout ratio

In 2025, XP had a payout ratio of 1.86%. The payout ratio indicates the percentage of the company's profits that XP distributes as dividends.

  • 3 Years

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  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
68.17 %
Jan 1, 2021
68.17 %
Jan 1, 2022
68.17 %
Jan 1, 2023
95.34 %
Jan 1, 2024
41.00 %
Jan 1, 2025 (e)
1.86 %
Jan 1, 2026 (e)
1.72 %
Jan 1, 2027 (e)
1.52 %

Current XP forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.00 %
Buy
84.21 % (16)
Hold
15.79 % (3)
Sell
0.00 % (0)
12M Price Target
121.79
Last Price
87.12
Currency
BRL
12M Return Potential
39.78 %
LTM Return
0 %

XP Analyst Rating Actions

DateFirmActionRatingReliability
6/3/2026
UBS
UBS
MaintainedBuy50
4/2/2026
UBS
UBS
MaintainedBuy50
12/16/2025
UBS
UBS
MaintainedBuy50
10/16/2025
UBS
UBS
MaintainedBuy50
9/24/2025
Citigroup
Citigroup
MaintainedBuy43
6/10/2025
UBS
UBS
MaintainedBuy50
6/4/2025
Goldman Sachs
Goldman Sachs
UpgradeNeutralBuy51
5/21/2025
Goldman Sachs
Goldman Sachs
MaintainedNeutral51
5/21/2025
B of A Securities
B of A Securities
MaintainedNeutral66
5/13/2025
Morgan Stanley
Morgan Stanley
UpgradeEqual WeightOverweight51

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

XP Earnings Calls

2025

XP Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
8/18/20262.70BRL-5.01 BBRL-2026 Q2
5/18/20262.64BRL-5.04 BBRL-2026 Q1
2/24/20262.59BRL-4.93 BBRL-2025 Q4
11/17/20252.50BRL-4.77 BBRL-2025 Q3
8/18/20252.42BRL-4.67 BBRL-2025 Q2
11/19/20242.25BRL-4.49 BBRL-2024 Q3
5/13/20242.25BRL-4.26 BBRL-2024 Q1
2/14/20242.09BRL-4.42 BBRL-2023 Q4
11/6/20232.16BRL-4.48 BBRL-2023 Q3
8/7/20231.92BRL-4.28 BBRL-2023 Q2

EESG©

Eulerpool ESG Scorecard© for the XP stock

71/100
99
Environment
99
Social
16
Governance
E

Environment

20
Scope 1 - Direct Emissions1,410.08
Scope 2 - Indirect emissions from purchased energy522.27
Scope 3 - Indirect emissions within the value chain4,448.53
Total CO₂ emissions1,932.35
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees34.378
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees—
White Management Share—
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

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XP shareholder structure

% Name
8.48286%
BLACKROCK, INC.
BLACKROCK, INC.
5.96855%
DODGE & COX
DODGE & COX
3.77502%
ARGA INVESTMENT MANAGEMENT, LP
ARGA INVESTMENT MANAGEMENT, LP
3.75076%
GENERAL ATLANTIC, L.P.
GENERAL ATLANTIC, L.P.
3.48397%
CAPITAL WORLD INVESTORS
CAPITAL WORLD INVESTORS
2.24888%
MASSACHUSETTS FINANCIAL SERVICES CO /MA/
MASSACHUSETTS FINANCIAL SERVICES CO /MA/
...

XP Beneficial Ownership Filings (SEC 13D/G)

Free Float
78.9%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
18.70%
XP Control LLC
XP Control LLC
SEC ↗
18.70%
Guilherme Dias Fernandes Benchimol
Guilherme Dias Fernandes Benchimol
SEC ↗
12.90%
Itaúsa S.A.
Itaúsa S.A.
SEC ↗
11.40%
ITB Holding Brasil Participações Ltda.
ITB Holding Brasil Participações Ltda.
SEC ↗
11.40%
Itaú Unibanco Holding S.A.
Itaú Unibanco Holding S.A.
SEC ↗
10.00%
(1) BlackRock, Inc.
(1) BlackRock, Inc.
SEC ↗
8.30%
BlackRock, Inc.
BlackRock, Inc.
SEC ↗
8.00%
94-1441976
94-1441976
SEC ↗
7.90%
Dodge & Cox
Dodge & Cox
SEC ↗
7.10%
95-1411037
95-1411037
SEC ↗

XP Executives and Management Board

12 members · avg. age 50 · 8 % women

Management

TM

Mr. Thiago Maffra (40)

Chief Executive Officer

–
VF

Mr. Victor Farinassi (35)

Chief Financial Officer

–
FA

Mr. Fabricio de Almeida (42)

General Counsel · since 2019

–

Board of Directors

GB

Mr. Guilherme Benchimol (48)

Independent Chairman of the Board · since 2001

–
BB

Mr. Bernardo Botelho (49)

Independent Director

–
GL

Mr. Gabriel da Rocha Leal (43)

Independent Director

–
BS

Mr. Bruno dos Santos (49)

Independent Director · since 2019

–
OH

Mr. Oscar Herrero (53)

Independent Director

–
ML

Mr. Martin Lifchitz (53)

Independent Director

–

Frequently asked questions about XP

The main competitors of Xp Inc in the market are Brokerage firms such as Itau Unibanco Holding SA, Banco Bradesco SA, and Banco BTG Pactual SA. These firms also operate in the financial services industry and offer similar products and services to individual and institutional clients. Xp Inc competes with these companies in terms of client acquisition, product offerings, customer service, and market share.

The business model of Xp Inc is primarily focused on providing financial services and investment solutions to individuals in Brazil. Xp Inc operates as a technology-driven financial services platform, offering a wide range of products including brokerage, investment banking, asset management, credit solutions, insurance, and educational resources. By leveraging its digital platform and vast distribution network, Xp Inc aims to democratize access to financial services and empower individuals to make informed investment decisions. With a strong emphasis on customer-centricity and technological innovation, Xp Inc has established itself as a leading player in the Brazilian financial market.

Xp Inc is primarily active in the financial services industry.

XP Inc is a well-established financial technology company founded in 2001 in Brazil. With a strong focus on democratizing investments, XP Inc has rapidly grown to become one of the largest brokerage firms in Latin America. Providing a wide range of financial services, including investment advisory, asset management, and banking solutions, XP Inc has positioned itself as a trusted partner for individuals seeking to grow their wealth. Boasting a robust technology platform and a team of experienced professionals, Xp Inc continues to innovate and expand its offerings to meet the evolving needs of its clients in the ever-changing financial landscape.

Xp Inc, a leading stock company, has achieved significant milestones throughout its journey. The company has successfully expanded its presence in the market, offering a wide range of services and products. Xp Inc has consistently recorded strong financial performance, displaying impressive revenue growth and profitability. With a focus on technological innovation, Xp Inc has provided efficient trading platforms and cutting-edge tools for investors. Additionally, the company has received several prestigious industry awards, acknowledging its excellence in the field. Xp Inc continues to propel forward, leveraging its expertise and commitment to delivering top-notch services to its clients.

Xp Inc is primarily present in Brazil and operates through its subsidiaries in various regions across the country. With its headquarters in São Paulo, Xp Inc has established a strong presence in the Brazilian financial market, offering a wide range of financial services, including investment advisory, asset management, and brokerage services. As a leading financial company in Brazil, Xp Inc has expanded its reach across different cities and regions, serving both individual and institutional clients. With its reputation for innovative products and services, Xp Inc continues to play a significant role in the Brazilian financial industry.

XP Inc represents a strong set of values and corporate philosophy. The company emphasizes a client-centric approach, providing a comprehensive and personalized experience to investors. XP Inc's core values include integrity, excellence, and agility. They prioritize transparency, ensuring ethical and responsible practices in all business operations. With a focus on innovation and technology, XP Inc strives to constantly improve and adapt to the evolving financial landscape. By offering a wide range of investment products and services, XP Inc aims to empower individuals and institutions to achieve their financial goals.

Analysts currently set an average price target of 123.90 BRL for the XP stock (median: 121.79 BRL), implying +42.2 % versus the latest price. The consensus is based on 19 analyst ratings.

XP Analyst Price Targets 2026

19 analysts currently rate the XP stock: 16 recommend buying, 3 holding and 0 selling. For 2026, analysts expect XP to generate revenue of 20.10 B BRL and earnings per share of 10.46 BRL.

XP Analyst Price Targets 2026

Converted at the current exchange rate, the XP share trades at 14.40 EUR (87.12 BRL).

The XP share (XP) is listed on 4 stock exchanges, including: NASDAQ (XP), Frankfurt (XP9.F), München (XP9.MU), Düsseldorf (XP9.DU).

Xp Inc. is a Brazilian company specializing in financial services, particularly investments. They offer a wide range of products and services including investment funds, asset management, and online stock trading. Their key focus is on managing investment portfolios and maximizing returns. Xp Inc. also has a network of independent financial advisors throughout Brazil, providing personalized investment solutions. Additionally, they have expanded into the FinTech sector with the acquisition of CardMax, a digital bank offering exclusive credit cards and mobile banking services. Overall, Xp Inc. is well-positioned to benefit from the growth of the Brazilian financial services market and is expected to maintain its position as a leading player in the industry.

The expected revenue of XP is 20.10 B BRL. This figure is based on current financial data and reflects the company's business performance.

The expected profit of XP is 5.73 B BRL. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of XP is currently 8.33. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the XP stock.

The price-to-sales ratio (P/S) of XP is currently 2.38. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the XP stock.

The Eulerpool Quality Score for XP is 4/10.

The ISIN of XP is KYG982391099. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of XP is A2PWSC. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of XP is XP. The ticker symbol is used to trade XP shares on the stock exchange.

Over the past 12 months, XP paid a dividend of 0.65 BRL . This corresponds to a dividend yield of about 0.75 %. For the coming 12 months, XP is expected to pay a dividend of 0.18 BRL.

The current dividend yield of XP is 0.75 %.

XP pays a dividend, distributed in the months of , , , .

XP paid dividends every year for the past 3 years.

For the upcoming 12 months, dividends amounting to 0.18 BRL are expected. This corresponds to a dividend yield of 0.21 %.

XP is assigned to the 'Finance' sector.

To receive the latest dividend of XP from amounting to 0.2 BRL, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, XP distributed 0.65 BRL as dividends.

The dividends of XP are distributed in BRL.

All fundamentals and in-depth analysis of XP

Our stock analysis for XP stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of XP. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

XP Stock
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