XP XP
Company Profile ↓Company Overview
XP (XP) is a publicly traded company listed on with a market capitalization of $8.85B. The valuation, growth and price-trend signals below summarize what matters most to investors and traders evaluating the stock.
Why Investors Should Care
Generates a return on equity of 22.0%, reflecting efficient use of shareholder capital.
Net profit has compounded at 13.0% per year over the last five years.
Revenue has grown at a 10.3% CAGR over the past five years.
Trades at an undemanding P/E of 1.8.
Maintains a net profit margin of 64.9%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $7.97B (+7.3% YoY); net profit $5.17B.
- Trailing 12 Months Year-on-year growth — revenue +7.3%, earnings +14.5%.
- 5-Year Trend Long-term compounding — revenue CAGR 10.3%, profit CAGR 13.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 10.28% |
| 1 Year: | 7.30% |
Compounded Profit Growth
| 5 Years: | 13.04% |
| 1 Year: | 14.54% |
Stock Price Performance
| 1 Year: | +6.73% |
| 6 Months: | -13.98% |
| 3 Months: | -9.81% |
| 1 Month: | +5.44% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMABelow
- RSI (14)55.39 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 22.0%.
- Excellent profit margin of 64.9%.
- Compounding revenue at 10.3% over 5 years.
- Profit CAGR of 13.0% over 5 years.
- Generates positive free cash flow.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Revenue | - | 1.65B | 1.79B | 2.09B | 2.43B | 1.93B |
| Cost of Revenue | - | 1.28B | 1.57B | 1.67B | 1.20B | 1.44B |
| Gross Profit | - | 366.00M | 227.22M | 420.91M | 1.23B | 491.00M |
| Operating Expenses | - | 1.63B | 1.43B | 1.56B | 2.14B | 1.80B |
| Operating Income | - | -1.26B | -1.20B | -1.14B | -907.29M | -1.31B |
| EBITDA | - | 1.51B | 1.57B | 1.55B | 1.75B | 1.45B |
| Interest Expense | - | 177.00M | 175.84M | 141.98M | 130.38M | 103.00M |
| Pretax Income | - | 1.26B | 1.32B | 1.33B | 1.54B | 1.34B |
| Tax Provision | - | 27.00M | -3.51M | 495.00K | 255.62M | 26.00M |
| Net Income | - | 1.24B | 1.32B | 1.32B | 1.30B | 1.32B |
| Diluted EPS | - | 2.32 | 2.46 | 2.47 | - | 2.55 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 5.94B | 6.53B | 7.42B | 7.97B |
| Cost of Revenue | - | 4.89B | 4.98B | 5.60B | 6.02B |
| Gross Profit | - | 1.05B | 1.56B | 1.82B | 1.95B |
| Operating Expenses | - | 4.61B | 5.42B | 5.74B | 6.47B |
| Operating Income | - | -3.56B | -3.86B | -3.92B | -4.52B |
| EBITDA | - | 4.05B | 4.81B | 6.03B | 6.38B |
| Interest Expense | - | 402.30M | 617.48M | 779.52M | 625.40M |
| Pretax Income | - | 3.44B | 3.94B | 4.99B | 5.45B |
| Tax Provision | - | -135.56M | 36.96M | 471.13M | 279.26M |
| Net Income | - | 3.58B | 3.90B | 4.51B | 5.17B |
| Diluted EPS | - | 6.25 | 7.16 | 8.23 | 9.72 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Total Assets | 192.03B | 249.04B | 347.46B | 396.53B |
| Current Assets | 76.12B | 119.51B | 158.06B | 148.95B |
| Cash & Equivalents | 3.55B | 3.94B | 5.61B | 10.36B |
| Inventory | - | - | - | - |
| Receivables | 522.12M | 579.50M | 684.84M | 1.13B |
| Total Liabilities | 174.99B | 229.59B | 327.41B | 372.98B |
| Current Liabilities | 105.40B | 124.10B | 196.14B | 209.53B |
| Long Term Debt | 1.87B | 27.73B | 33.29B | 29.57B |
| Total Debt | 33.66B | 68.56B | 115.13B | 104.22B |
| Total Equity | 17.04B | 19.45B | 20.04B | 23.55B |
| Shares Outstanding | 559.46M | 548.44M | 538.75M | 518.83M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 1.80B | 8.13B | 11.18B | 12.04B |
| Investing Cash Flow | - | -371.28M | 538.81M | -1.67B | -715.97M |
| Financing Cash Flow | - | -200.30M | -4.39B | -5.78B | -4.93B |
| Capital Expenditure | - | -126.97M | -196.22M | -330.21M | -489.57M |
| Free Cash Flow | - | 1.68B | 7.93B | 10.85B | 11.56B |
| Net Change in Cash | - | 1.23B | 4.27B | 3.73B | 6.40B |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | 17.6% | 23.8% | 24.5% | 24.5% |
| Operating Margin % | - | -60.0% | -59.2% | -52.7% | -56.7% |
| Net Margin % | - | 60.2% | 59.7% | 60.8% | 64.9% |
| ROE % | - | 21.0% | 20.0% | 22.5% | 22.0% |
| ROCE % | - | -4.1% | -3.1% | -2.6% | -2.4% |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for XP
XP — Frequently Asked Questions
What is the current share price of XP?
As of 2026-08-02 19:16 PDT, XP trades at $17.06 on NASDAQ/NYSE. Its 52-week range is $14.94 to $22.66.
What is the market capitalisation of XP?
XP has a market capitalisation of $8.85B on NASDAQ/NYSE.
What is the P/E ratio of XP?
XP trades at a trailing price-to-earnings (P/E) ratio of 1.76. Its price-to-book (P/B) ratio is 0.38.
What is the return on equity (ROE) of XP?
XP has a return on equity (ROE) of 21.96%. Its return on capital employed (ROCE) is 3.25%.
Is XP a good stock to buy?
This page provides a data-driven analysis of XP, including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.