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XP Inc. (XP)

Financial Services | Capital Markets | George Town, Cayman Islands | NasdaqGS
16.37 USD -0.55 (-3.251%) ⇩ (July 13, 2026, 4 p.m. EDT)
After hours: 16.31 -0.06 (-0.060%) ⇩ (July 13, 2026, 5:26 p.m. EDT)

Short-term:★★☆☆☆Long-term:★★☆☆☆Dividends:★★⯪☆☆
Hot Take | July 11, 2026, 5:19 a.m. EDT

The long-term outlook remains fundamentally compromised despite the attractive valuation metrics. While the company trades at a low P/E and offers a modest yield, the price history tells a stark story of structural deterioration: a 61% drawdown over five years capped by two consecutive years of negative annual returns. This multi-year decline overrides the current profitability, suggesting the market has permanently reassessed the business quality. The recent news of a CFO succession and missed earnings estimates adds fresh uncertainty to an already fragile trajectory. On the short end, the technicals are weak, trading below key moving averages, and the options market is screaming caution with a heavy bias toward downside protection. The dividend yield is insufficient to offset the capital destruction risk inherent in a stock that has lost more than half its value in just five years.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.135433
AutoETS0.135623
AutoARIMA0.135625
MSTL0.136182

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 40%
H-stat 5.00
Ljung-Box p 0.000
Jarque-Bera p 0.081
Excess Kurtosis -0.07
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-06-09
Last Dividend Date 2026-06-09
Debt to Equity Ratio 677.346
Revenue per Share 34.747
Market Cap 8,458,010,112
Trailing P/E 8.80
Forward P/E 6.97
Beta 1.12
Profit Margins 28.85%
Website https://www.xpinc.com

As of July 11, 2026, 5:19 a.m. EDT: Speculators are positioning for continued weakness with heavy put volume relative to calls across nearly all expirations. The open interest is skewed significantly toward lower strikes (OTM puts), while call activity is concentrated at strikes well above the current price, indicating a lack of near-term bullish conviction. The massive IV spike on deep out-of-the-money calls suggests fear of a sharp drop rather than a rally.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
1.34% 2.35%
Dividend History
Date Dividend Yield %
2026-06-10 0.20 1.338688
2025-12-10 0.18 1.007839
2024-12-10 0.65 5.027069
2023-12-12 0.73 3.253119
2023-09-11 0.58 2.326514
Additional Data
dividendRate 0.2
dividendYield 1.18
exDividendDate 2026-06-10
trailingAnnualDividendRate 2.035
trailingAnnualDividendYield 0.12027187
lastDividendValue 0.2
lastDividendDate 2026-06-10
dividendDate 2026-06-18

Info Dump

Attribute Value
52 Week Change -0.05790645
Address1 20, Genesis Close
All Time High 53.08
All Time Low 10.3
Ask 16.33
Ask Size 1
Average Analyst Rating 1.7 - Buy
Average Daily Volume10 Day 7,396,910
Average Daily Volume3 Month 5,847,936
Average Volume 5,847,936
Average Volume10Days 7,396,910
Beta 1.122
Bid 15.4
Bid Size 2
Book Value 9.08312
City George Town
Country Cayman Islands
Crypto Tradeable 0
Currency USD
Current Price 16.37
Current Ratio 1.39
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 16.91
Day Low 16.285
Debt To Equity 677.346
Display Name XP
Dividend Date 1,781,740,800
Dividend Rate 0.2
Dividend Yield 1.18
Earnings Call Timestamp End 1,779,138,000
Earnings Call Timestamp Start 1,779,138,000
Earnings Growth 0.089
Earnings Quarterly Growth 0.06
Earnings Timestamp 1,779,134,400
Earnings Timestamp End 1,786,996,800
Earnings Timestamp Start 1,786,996,800
Ebitda Margins 0.0
Enterprise To Revenue -6.281
Enterprise Value -114,168,152,064
Eps Current Year 10.65591
Eps Forward 2.3480816
Eps Trailing Twelve Months 1.86
Esg Populated 0
Ex Dividend Date 1,781,049,600
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 16.7972
Fifty Day Average Change -0.4271984
Fifty Day Average Change Percent -0.025432717
Fifty Two Week Change Percent -5.7906446
Fifty Two Week High 23.13
Fifty Two Week High Change -6.7599983
Fifty Two Week High Change Percent -0.29226106
Fifty Two Week Low 14.8
Fifty Two Week Low Change 1.5700006
Fifty Two Week Low Change Percent 0.10608112
Fifty Two Week Range 14.8 - 23.13
Financial Currency BRL
First Trade Date Milliseconds 1,576,074,600,000
Float Shares 413,000,937
Forward Eps 2.3480816
Forward P E 6.971649
Full Exchange Name NasdaqGS
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.6907
Gross Profits 12,555,014,144
Has Pre Post Market Data 1
Held Percent Insiders 0.00491
Held Percent Institutions 1.00414
Implied Shares Outstanding 516,677,430
Industry Capital Markets
Industry Disp Capital Markets
Industry Key capital-markets
Ipo Expected Date 2,021-10-04
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,781,049,600
Last Dividend Value 0.2
Last Fiscal Year End 1,767,139,200
Long Business Summary 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.
Long Name XP Inc.
Market us_market
Market Cap 8,458,010,112
Market State PREPRE
Max Age 86,400
Message Board Id finmb_280872908
Most Recent Quarter 1,774,915,200
Net Income To Common 5,243,992,064
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 8,737,015,340
Number Of Analyst Opinions 13
Open 16.84
Operating Cashflow 19,368,022,016
Operating Margins 0.29952
Payout Ratio 0.0991
Post Market Change -0.060001373
Post Market Change Percent -0.3665325
Post Market Price 16.31
Post Market Time 1,783,977,994
Previous Close 16.92
Price Eps Current Year 1.5362369
Price Hint 2
Price To Book 1.8022442
Price To Sales Trailing12 Months 0.46530616
Profit Margins 0.28849
Quick Ratio 1.344
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 1.69231
Region US
Regular Market Change -0.549999
Regular Market Change Percent -3.25059
Regular Market Day High 16.91
Regular Market Day Low 16.285
Regular Market Day Range 16.285 - 16.91
Regular Market Open 16.84
Regular Market Previous Close 16.92
Regular Market Price 16.37
Regular Market Time 1,783,972,801
Regular Market Volume 3,689,848
Return On Assets 0.013739999
Return On Equity 0.22944
Revenue Growth 0.097
Revenue Per Share 34.747
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 414,924,961
Shares Percent Shares Out 0.041100003
Shares Short 21,224,722
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 19,188,544
Short Name XP Inc.
Short Percent Of Float 0.0514
Short Ratio 3.66
Source Interval 15
Symbol XP
Target High Price 26.417425
Target Low Price 19.172037
Target Mean Price 23.794418
Target Median Price 24.185184
Total Cash 290,114,437,120
Total Cash Per Share 561.5
Total Debt 167,479,836,672
Total Revenue 18,177,300,480
Tradeable 0
Trailing Annual Dividend Rate 2.035
Trailing Annual Dividend Yield 0.12027187
Trailing Eps 1.86
Trailing P E 8.801076
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 18.192375
Two Hundred Day Average Change -1.8223743
Two Hundred Day Average Change Percent -0.10017242
Type Disp Equity
Volume 3,689,848
Website https://www.xpinc.com
Zip KY1-1208