XP- XP Inc.
Financial Services · Capital Markets
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
BuyWall Street consensus from 11 analysts
12-Month Price Target
$23.19
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $19.53
Graham Number
√(22.5 × EPS × Book Value)
$20.12
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$11.89
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
8/10
80% score
Pays dividends
3Y hist.3+ years of dividend history
Dividend consistency (5Y+)
3 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
22.6%Return on equity - measures how efficiently capital is used
Positive profit margin
28.5%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
+10.6%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+8.6%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
642.49×Low financial leverage reduces risk of distress
Current ratio above 1
1.49×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$109M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
1.02%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Nov 16, 2026
62
days
EPS (TTM)
$1.98
P/E (TTM)
9.9
Fwd P/E
8.2
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
1.02%
5Y Avg Annual
$0.4680
Last Payment
$0.2000
Ex-Date
06/10/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest06/10/2026 | 06/18/2026 | $0.2000 | 4.10% |
12/10/2025 | 12/18/2025 | $0.1800 | 3.69% |
12/10/2024 | 12/18/2024 | $0.6500 | 13.31% |
12/12/2023 | 12/20/2023 | $0.7300 | 14.95% |
09/11/2023 | 09/19/2023 | $0.5800 | 11.88% |
Magic Number
Shares needed to self-fund your next purchase
$19.53
Price
$0.2000
Last div. (yearly)
98
shares
Own 98 XP shares ($1,913.94) and each yearly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$1,913.94
New shares / year
+1 shares
Dividend Calculator
1.02% yieldEstimate XP dividend income at the current rate.
Per year
$102.41
Per month
$8.53
≈ 512 shares at $0.2/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
XP vs Peers, Indexes & Commodities
?Click a card below to plot it on the chart
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Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
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About XP Inc.
XP Inc. engages in the provision of financial products and services in Brazil. It operates XP Platform, an open product platform that provides clients to access investment products in the market comprising brokerage securities, fixed income securities, mutual, hedge, and private equity funds; derivatives and synthetic instruments; credit cards; loan operations/collateralized credit products; pension and social security funds, and life and travel insurance products; and other investment products comprising real estate funds, and equity and debt capital markets solutions, as well as wealth management services. The company offers brokerage and issuer services to institutional and corporate clients. It also manages mutual funds focused on stocks and macro strategies distributed to retail and to institutional clients; funds and managed portfolios for high-net-worth retail clients, and proprietary treasury funds; and passive mutual funds that track market indexes, and mutual and investment funds focused on fixed income, credit, real estate, infrastructure, and other alternative strategies. In addition, the company offers securities brokerage services for institutional and retail investors; interdealer brokerage services for institutional traders; and commercial and investment banking products, such as loan operations and transactions in the foreign exchange markets and deposits, as well as develops and sells financial education courses and events online and in person to retail clients. It offers its sell products and services through its omni-channel distribution network and online portals. XP Inc. was founded in 2001 and is based in George Town, the Cayman Islands.
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XP Inc. (XP) stock trades at $19.53, down 0.33% on the day. With a market capitalization of $9.91 billion, XP is a mid-cap financial services stock. It trades at a price-to-earnings (P/E) ratio of 9.9, a forward P/E of 8.2 and earnings per share (EPS) of $1.98. Over the most recent period the company reported 11% year-over-year revenue growth and a net profit margin of 28.5%. Below you'll find XP's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
XP - Frequently Asked Questions
Is XP Inc. (XP) a good stock to buy in 2026?
XP Inc. (XP) shows strengths such as revenue growth of 11%, a strong 29% net margin and a 23% return on equity, while risks include high leverage (debt/equity of 642.5). Whether XP is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is XP's stock price today?
XP Inc. (XP) trades at $19.53, down 0.33% on the session. Prices on this page update throughout the trading day.
Does XP pay a dividend?
Yes. XP Inc. pays an annual dividend of $0.20 per share, a dividend yield of 1.02%. The most recent ex-dividend date was June 10, 2026. Its payout ratio is about 20% of earnings.
Is XP overvalued?
With a P/E ratio of 9.9×, XP trades at a relatively modest valuation for the financial services sector. See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is XP's market cap?
XP Inc. (XP) has a market capitalization of $9.91 billion, classifying it as a mid-cap stock in the Financial Services sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.