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18.61 USD
P/E
9.57
EPS
1.85
Yield
0.97%
Safety Score
77
P/B
2.04
ROE
23.72
Beta
1.26
Target Price
24.02 USD
XP Inc. logo

XP Inc.

🧾 Earnings Recap – Q3 2025

XP achieved solid growth in Q3 2025, with a notable increase in client assets and revenues, reflecting successful strategic initiatives despite ongoing market challenges.

  • Client assets (AUM and AUA) reached BRL 1.9 trillion, growing 16% year-over-year.
  • Gross revenues rose to BRL 4.9 billion, marking a 9% increase from the previous year.
  • Net income reached a record BRL 1.33 billion, up 12% year-over-year, with 23% ROE maintained.
  • Retail net new money inflows reached BRL 20 billion, indicating a rebound in client investment activity.
  • Continued advancements in technology and client servicing strategies are setting the stage for future growth.
📅
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Key Metrics
Earnings dateMay 19, 2026
P/E9.57
EPS1.85
Book Value8.67
Price to Book2.04
Debt/Equity631.20
% Insiders0.020%
Growth
Revenue Growth0.13%
Earnings Growth0.14%
Estimates
Forward P/E7.65
Forward EPS2.31
Target Mean Price24.02
Dividend
Dividend Yield0.97%
Annual dividends0.93 USD
Ex-Div. DateDec. 10, 2025
Payout9.70%

DCF Valuation

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DCF Result

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Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

XP Inc. Logo XP Inc. Analysis (XP)

Brazil Financials Official Website Stock

Is XP Inc. a good investment? XP Inc. (XP) is currently trading at 18.61 USD. Market analysts have a consensus price target of 24.02 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 9.57. This relatively low multiple may signal that XP Inc. is undervalued compared to historical market norms.

Earnings Schedule: XP Inc. is expected to release its next earnings report on May 19, 2026. The market consensus estimate for Forward EPS is 2.31.

For income investors, XP Inc. pays a dividend yield of 0.97%. With a payout ratio of 10%, the dividend appears sustainable.

Investor FAQ

Does XP Inc. pay a dividend?

Yes, it pays an annual dividend of 0.93 USD (0.97% yield).

What asset class is XP Inc.?

XP Inc. is classified as a Stock. You can compare it against 4 other assets in the "Related Symbols" list on this page.

When is the next earnings date?

The next earnings date is projected to be May 19, 2026. The company currently has a trailing EPS of 1.85.

Company Profile

XP Inc. provides financial products and services in Brazil. The company 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. It offers brokerage and issuer services to institutional and corporate clients. The company 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, it 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. The company 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.

Exchange Ticker
BER (Germany) XP9.BE
NMS (United States) XP
FRA (Germany) XP9.F
MUN (Germany) XP9.MU
Dividend Yield

0.97%

Annual Dividends

0.93 USD

Next ex. div date

Dec. 10, 2025

Payout Ratio

9.70%

Historical Dividends
Year Total Dividends
2026 0.16 USD
2025 0.18 USD
2024 0.65 USD
2023 1.31 USD

Yearly aggregated dividends

Dividends

XP Inc.
Dec 18, 2025 Paid
Dividend
0.18 USD

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