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Xp Inc

Financial Services US XP

19.21USD
1.01(5.55%)

Last update at 2026-03-16T20:07:00Z

Day Range

18.6219.43
LowHigh

52 Week Range

16.7627.02
LowHigh

Fundamentals

  • Previous Close 18.20
  • Market Cap10326.28M
  • Volume5514675
  • P/E Ratio12.72
  • Dividend Yield7.04%
  • EBITDA3554.56M
  • Revenue TTM15142.98M
  • Revenue Per Share TTM27.89
  • Gross Profit TTM 9073.99M
  • Diluted EPS TTM1.48

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 3444.66M 3815.17M 2421.41M 1544.00M 640.73M
Minority interest -1.16100M -3.04400M 3.00M 2.56M 6.93M
Net income 3579.05M 3589.42M 2076.43M 1089.00M 465.33M
Selling general administrative 3766.73M 4692.70M 3013.60M 1891.00M 1176.81M
Selling and marketing expenses 138.72M 227.48M 134.91M 155.00M 96.08M
Gross profit 472.13M 2766.36M 2371.13M 1990.00M 1113.30M
Reconciled depreciation 205.88M 231.73M 143.26M 90.71M 52.79M
Ebit -3411.88000M -1890.14800M -505.00500M 5.29M -150.03300M
Ebitda -3206.00300M -1658.41800M -361.74400M 96.00M -97.24500M
Depreciation and amortization 205.88M 231.73M 143.26M 90.71M 52.79M
Non operating income net other - - - 0.00000M 0.00000M
Operating income -3411.88000M -1890.14800M -505.00500M 5.29M -150.03300M
Other operating expenses 9923.91M 8086.51M 5527.88M 3499.00M 2430.47M
Interest expense 402.30M 135.73M 52.67M 84.00M 72.31M
Tax provision -135.55500M 222.71M 339.92M 454.62M 175.40M
Interest income 15.44M 7.60M 5.52M 84.40M 72.31M
Net interest income -386.86700M -128.12800M -47.15000M -84.40000M -72.31000M
Extraordinary items - - - 0.00000M 0.00000M
Non recurring - - - 0.00000M 0.00000M
Other items - - - 0.00000M 0.00000M
Income tax expense -135.55500M 222.71M 339.92M 455.00M 175.40M
Total revenue 6508.76M 6196.47M 5016.49M 3596.00M 2280.44M
Total operating expenses 3887.28M 4656.40M 2882.52M 1893.00M 1263.34M
Cost of revenue 6036.62M 3430.11M 2645.36M 1606.00M 1167.13M
Total other income expense net 6856.54M 5705.32M 2926.42M 1538.71M 790.76M
Discontinued operations - - - 0.00000M 0.00000M
Net income from continuing ops 3580.21M 3592.46M 2081.49M 1089.48M 465.33M
Net income applicable to common shares 3579.05M 3592.00M 2076.43M 1080.48M 461.44M
Preferred stock and other adjustments - - - 0.00000M 0.00000M
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 249040.68M 192034.61M 139340.40M 96029.16M 43623.00M
Intangible assets 668.64M 248.96M 278.23M 239.20M 170.95M
Earning assets - - - - -
Other current assets -33421.64600M 932.32M 3982.75M 1393.54M 89.68M
Total liab 229589.83M 174992.40M 124920.77M 85131.55M 36467.00M
Total stockholder equity 19449.35M 17035.74M 14416.84M 10894.61M 7153.00M
Deferred long term liab - - - - 0.00000M
Other current liab 28918.53M 64267.96M 23278.03M 21817.29M 9115.00M
Common stock 0.03M 0.02M 0.02M 0.02M 0.02M
Capital stock 0.03M 0.02M 0.02M 0.02M 0.02M
Retained earnings - - - - 0.00000M
Other liab - 56918.80M 64100.00M 17192.69M 4580.88M
Good will 1833.41M 595.22M 542.75M 474.37M 382.50M
Other assets 249040.68M 6161.35M 1538.00M 7189.16M 2.00M
Cash 3943.31M 3553.13M 2485.64M 1954.79M 110.00M
Cash and equivalents - - - - -
Total current liabilities 126331.92M 98541.32M 75405.63M 54952.04M 25365.00M
Current deferred revenue 39628.79M - 24978.74M 435.85M 345.00M
Net debt 57858.54M 31968.72M 25724.49M 30712.34M 17000.00M
Short term debt 56836.38M 33655.97M 26281.35M 31839.34M 15638.00M
Short long term debt 35539.93M 33655.97M 27942.41M 51.66M 116.45M
Short long term debt total 61801.85M 35521.85M 28210.13M 32667.13M 17110.00M
Other stockholder equity 6300.00M -1986.76200M -171.93900M 4073.41M 210.00M
Property plant equipment - 569.38M 599.00M 387.17M 369.94M
Total current assets 99724.16M 67855.94M 53648.45M 27991.24M 4026.00M
Long term investments 117455.04M 107386.60M 71788.17M 58816.00M 34220.64M
Net tangible assets - 16191.55M 13595.00M 10181.05M 6599.94M
Short term investments 46995.27M 40540.91M 33738.03M 20090.61M 3121.00M
Net receivables 29478.34M 22829.59M 13442.03M 4552.31M 705.00M
Long term debt - 1865.88M 1928.78M 827.78M 1356.26M
Inventory - - - - 0.00000M
Accounts payable 948.22M 617.39M 867.53M 859.55M 267.00M
Total permanent equity - - - - 0.00000M
Noncontrolling interest in consolidated entity - - - - 0.00000M
Temporary equity redeemable noncontrolling interests - - - - 0.00000M
Accumulated other comprehensive income 13149.33M 19022.47M 14588.75M 10894.59M 6943.00M
Additional paid in capital - - - - 0.00000M
Common stock total equity - - - 0.02M 0.02M
Preferred stock total equity - - - - 0.00000M
Retained earnings total equity - - - - 0.00000M
Treasury stock - - - - 0.00000M
Accumulated amortization - - - - 0.00000M
Non currrent assets other -55545.73900M 13766.62M 11211.26M 7616.14M 4168.00M
Deferred long term asset charges - - - - 0.00000M
Non current assets total 149316.52M 124178.67M 85691.95M 68037.92M 39595.00M
Capital lease obligations - - - - 0.00000M
Long term debt total - - - - 984.71M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -371.28000M -1150.72700M -582.01000M -161.44800M -147.07900M
Change to liabilities -308.82400M -133.57600M 564.32M 132.24M 63.00M
Total cashflows from investing activities -371.28000M -1150.72700M -582.01000M -161.44800M -147.07900M
Net borrowings 1612.79M 5507.72M -617.58500M 264.85M 35.74M
Total cash from financing activities -200.30200M 6639.26M 788.71M 4234.00M 380.09M
Change to operating activities -1608.94000M -8757.27800M -1583.66900M -5008.67900M -938.88600M
Net income 3444.66M 3815.17M 2421.41M 1544.11M 640.73M
Change in cash 1215.62M 1091.47M 1772.59M 260.93M -208.63000M
Begin period cash flow 3751.86M 2660.39M 887.80M 626.86M 835.49M
End period cash flow 4967.48M 3751.86M 2660.39M 887.80M 626.86M
Total cash from operating activities 1803.88M -4020.32900M 1510.73M 1527.00M -456.74700M
Issuance of capital stock 0.00000M 1134.80M 1411.28M - -
Depreciation 205.88M 231.73M 143.26M 90.71M 52.79M
Other cashflows from investing activities - - - 0.00000M -10.41300M
Dividends paid - 0.00000M 0.00000M -500.00000M 325.00M
Change to inventory - -696.52300M 20295.33M 6401.03M 0.00000M
Change to account receivables -157.05600M 37.16M -46.24700M -243.89300M -92.80900M
Sale purchase of stock -1814.82300M - - 4482.00M 673.29M
Other cashflows from financing activities 1892.24M 5758.66M -4.98500M 4869.15M 1394.72M
Change to netincome 185.10M 733.61M 174.24M 144.37M -6.74300M
Capital expenditures 126.97M 353.01M 291.53M 161.45M 136.67M
Change receivables - - - 0.00000M 0.00000M
Cash flows other operating - - - 0.00000M 0.00000M
Exchange rate changes - - - 0.00000M 0.00000M
Cash and cash equivalents changes - - - 0.00000M 0.00000M
Change in working capital -2166.14600M -8575.08500M -883.20100M -5129.56100M -964.23200M
Stock based compensation 584.77M 561.46M 232.79M 5.37M -
Other non cash items -265.27400M 179.17M 55.29M 83.69M -186.03100M
Free cash flow 1676.91M -4373.34200M 1219.20M 1365.55M -593.41300M

Peer Comparison

Sector: Financial Services Industry: Capital Markets

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
XP
Xp Inc		 1.01 5.55% 19.21 12.72 12.97 0.90 3.34 1.26 1.71
MS
Morgan Stanley		 0.83 0.54% 155.70 16.50 13.76 2.80 1.65
CGXYY
China Galaxy Securities Co Ltd ADR		 - -% 31.98 144.44 86.21 4.25 7.96
SCHW
Charles Schwab Corp		 0.57 0.61% 93.63 22.86 17.39 6.14 4.28
GS
Goldman Sachs Group Inc		 12.56 1.61% 794.77 18.44 10.60 2.83 1.16

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Profile

XP Inc. provides 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 Grand Cayman, Cayman Islands.

Xp Inc

20, Genesis Close, Grand Cayman, Cayman Islands, KY-1-1208

Key Executives

Name Title Year Born
Mr. Guilherme Dias Fernandes Benchimol Founder & Exec. Chairman 1978
Mr. Thiago Maffra Chief Exec. Officer 1985
Mr. Bruno Constantino Alexandre dos Santos CFO & Director 1975
André Martins Head of Investor Relations NA
Mr. Fabrício Cunha de Almeida Gen. Counsel & Director 1982
Marco Goncalves Head of M&A NA
Gabriel Dos Santos Head of Recruitment & Selection NA
Mr. Jose de Menezes Berenguer Neto Chief Exec. Officer of Banco XP S.A. 1966
Antonio Guimarães Investor Relations Officer NA
Mr. Ygor Gomes Altero Equity Research Analyst NA

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