XP Inc. Class A Common Stock represents ownership in XP Inc., a technology-driven financial services company focused on Brazil. XP Inc. provides an open investment platform that gives clients access to brokerage services, fixed income products, mutual funds, hedge funds, private equity, derivatives, structured products, insurance, pension offerings, credit cards, loans, and wealth management services. The company also serves retail, high-net-worth, corporate, and institutional clients through financial advisory services and capital markets solutions. Its business is centered on broad financial distribution and product access, making it a significant participant in Brazil’s investment and financial services market. XP Inc. is headquartered in São Paulo, Brazil, and operates as a diversified platform across investing, advisory, lending, and insurance-related services.
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
BRL 8.42B
▲ +460.2% YoY
Net Income (TTM)
BRL 5.31B
▲ +497.8% YoY
Net Margin
63.09%
P/E
8.27
Balance Sheet
Total Assets
BRL 396.53B
Equity
BRL 23.55B
Total Debt
BRL 104.22B
Cash & Equiv.
BRL 73.11B
3Y CAGR: +10.3%
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Peers
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Held by ETFs
XP is in 74 US ETFs. The largest of them, with XP's weight in each:
XP (XP) in four numbers
Questions about XP
Is XP (XP) overvalued?
At R$82.91, XP's price is 45% below the R$150.80 a share fair value that Intrinsiqq's calculator gets from its book value. It trades at 8.27 times earnings and 3.38 times free cash flow. The growth behind that figure is yours to set on the Intrinsic Value tab. See how to tell if a stock is overvalued.
What is XP's fair value?
Intrinsiqq's calculator puts XP's fair value at R$150.80 a share. It grows book value per share 12.8% a year for 5 years, applies an exit P/B of 2.9, and works back at a 10% yearly return. A 25% margin of safety gives a buy-below price of R$113.10. Every input can be changed on the Intrinsic Value tab.
Is XP a high-quality business?
XP scores 89 out of 100 on Intrinsiqq's quality score, which makes it a high-quality business on these measures. The score blends 8 checks computed from company filings. Its best check is book value growth at 15.0%, and its weakest is capital adequacy at 5.9%. The Quality tab shows every check against its target.
Does XP (XP) pay a dividend, and how much?
Yes. XP (XP) pays a dividend: BRL 0.38 per share over the last twelve months, a dividend yield of 0.46% at the latest close. Its dividend per share has shrunk at 46.2% a year over the last 2 years. The payout takes about 3.8% of earnings. The Dividends tab has the full payment history and the safety score.
Source: company filings. Price: last close 4 Nov 2026. How this is calculated. Sector medians are approximate S&P 500 benchmarks and update periodically. Analysis, not investment advice.
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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