XP Inc. Quality Score

XP scores 89 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a high-quality business on these measures. Recent figures include a -55.6% operating margin and a -5.6% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from XP's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where XP scores well and where it falls behind.

XP earns about -5.6% on its invested capital, which is weak. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to XP's margins and growth on this scorecard to judge durability.

XP runs an operating margin of about -55.6% and a net margin of about 63.1%. Revenue has grown at roughly 6.5% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.