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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| XP | +38.73% | -45.79% | -11.52% | -36% |
| S&P | +16.91% | +77.79% | +12.19% | +117% |
XP, Inc. engages in the operation of technology-driven financial services platform. The firm provides customers with two principal types of offerings, financial advisory services for retail clients in Brazil, high-net-worth clients, international clients and corporate and institutional clients, and an open financial product platform providing access to over 800 investment products including equity and fixed income securities, mutual and hedge funds, structured products, life insurance, pension plans, real-estate investment funds (REITs) and others from XP, its partners and competitors. he company was founded by Guilherme Dias Fernandes Benchimol in 2001 and is headquartered in Vila Olimpia, Brazil.
This Brazilian investment management company looks like a potentially attractive holding, but challenges remain.
| Q4 2025 | YOY Change | |
|---|---|---|
| Revenue | $924.33M | 20.3% |
| Gross Profit | $637.51M | 18.1% |
| Gross Margin | 68.97% | -1.3% |
| Market Cap | $8.63B | 34.8% |
| Market Cap / Employee | $1.16M | 0.0% |
| Employees | 7.4K | 0.0% |
| Net Income | $237.57M | 17.4% |
| EBITDA | $335.83M | 25.5% |
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| Q4 2025 | YOY Change | |
|---|---|---|
| Net Cash | $1.89B | 108.1% |
| Inventory | 0 | 0.0% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $614.43M | -35.1% |
| Short Term Debt | $14.96B | 2.8% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.44% | -0.1% |
| Return On Invested Capital | 17.70% | 1.3% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $4.45B | 349.1% |
| Operating Free Cash Flow | $4.46B | 348.5% |
| Metric | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 8.79 | 12.54 | 11.24 | 9.31 | 21.72% |
| Price to Book | 2.28 | 2.92 | 2.43 | 1.94 | 19.35% |
| Price to Sales | 2.35 | 3.47 | 3.16 | 2.04 | 2.76% |
| Price to Tangible Book Value | 2.63 | 3.34 | 2.76 | 2.19 | 18.36% |
| Price to Free Cash Flow TTM | 0.86 | 0.91 | 1.72 | 1.80 | 58.36% |
| Enterprise Value to EBITDA | 77.94 | 93.56 | 95.30 | 66.04 | -15.89% |
| Free Cash Flow Yield | 116.1% | 109.5% | 58.1% | 55.6% | -36.85% |
| Return on Equity | 21.7% | 22.4% | 21.2% | 24.6% | 6.18% |
| Total Debt | $14.25B | $17.14B | $19.06B | $15.57B | 0.46% |
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