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XP Inc. (XP)

Financial Services | Capital Markets | George Town, Cayman Islands | NasdaqGS
17.66 USD -0.02 (-0.113%) ⇩ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 17.66

Short-term:★★⯪☆☆Long-term:★★⯪☆☆Dividends:★★⯪☆☆
Hot Take | Aug. 22, 2026, 4:47 a.m. EDT

The investment case for XP Inc. is currently defined by a stark disconnect between its attractive valuation metrics and its deteriorating price trajectory. Fundamentally, the company presents a compelling bargain with a forward P/E of roughly 7.2x, robust operating margins above 30%, and a healthy payout ratio of roughly 20%. However, the market has punished the stock heavily, with a cumulative decline of over 62% over the last five years. Crucially, the most recent annual performance shows two consecutive years of negative returns, signaling that the market views the current fundamentals as insufficient to reverse the downtrend. While the dividend yield of 1.25% provides a modest cushion, it is not enough to offset the capital destruction seen in the trailing price action. The options market reflects this uncertainty, with heavy speculation on a potential double-digit percentage spike rather than steady appreciation. Until the multi-year decline is halted and replaced by a string of positive annual returns, the risk of further downside outweighs the value appeal.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.042530
AutoTheta0.046309
AutoETS0.046568
AutoARIMA0.046571

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 39%
H-stat 15.15
Ljung-Box p 0.000
Jarque-Bera p 0.262
Excess Kurtosis -1.07
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-06-09
Last Dividend Date 2026-06-09
Debt to Equity Ratio 642.491
Revenue per Share 35.86
Market Cap 8,961,442,816
Trailing P/E 8.96
Forward P/E 7.50
Beta 1.10
Profit Margins 28.54%
Website https://www.xpinc.com

As of Aug. 22, 2026, 4:47 a.m. EDT: Speculators are positioning for significant volatility rather than a clear directional move. Call volume is heavily skewed toward out-of-the-money strikes (21, 30, 35) for distant expirations, suggesting a 'long gamma' bet on a massive gap-up event. Conversely, put volume is concentrated near the money and slightly out-of-the-money for near-term expirations, creating a defensive floor around current prices. The disparity between the massive call volume at 21+ and the modest put volume suggests traders are pricing in a binary outcome where a crash is less likely than a speculative surge, though the implied volatility remains elevated across the board.


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 1.13
exDividendDate 2026-06-10
trailingAnnualDividendRate 2.028
trailingAnnualDividendYield 0.11470589
lastDividendValue 0.2
lastDividendDate 2026-06-10
dividendDate 2026-06-18

Info Dump

Attribute Value
52 Week Change -0.011185706
Address1 20, Genesis Close
All Time High 53.08
All Time Low 10.3
Ask 17.7
Ask Size 5
Average Analyst Rating 1.5 - Strong Buy
Average Daily Volume10 Day 5,598,060
Average Daily Volume3 Month 5,235,077
Average Volume 5,235,077
Average Volume10Days 5,598,060
Beta 1.096
Bid 17.63
Bid Size 3
Book Value 9.08312
City George Town
Country Cayman Islands
Crypto Tradeable 0
Currency USD
Current Price 17.66
Current Ratio 1.491
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 17.815
Day Low 17.255
Debt To Equity 642.491
Display Name XP
Dividend Date 1,781,740,800
Dividend Rate 0.2
Dividend Yield 1.13
Earnings Call Timestamp End 1,787,000,400
Earnings Call Timestamp Start 1,787,000,400
Earnings Growth 0.086
Earnings Quarterly Growth 0.055
Earnings Timestamp 1,786,996,800
Earnings Timestamp End 1,794,859,200
Earnings Timestamp Start 1,794,859,200
Ebitda Margins 0.0
Enterprise To Revenue -6.382
Enterprise Value -118,911,483,904
Eps Current Year 10.78509
Eps Forward 2.3552673
Eps Trailing Twelve Months 1.97
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 16.4386
Fifty Day Average Change 1.2213993
Fifty Day Average Change Percent 0.074300684
Fifty Two Week Change Percent -1.1185706
Fifty Two Week High 23.13
Fifty Two Week High Change -5.4699993
Fifty Two Week High Change Percent -0.23648939
Fifty Two Week Low 14.8
Fifty Two Week Low Change 2.8599997
Fifty Two Week Low Change Percent 0.19324322
Fifty Two Week Range 14.8 - 23.13
Financial Currency BRL
First Trade Date Milliseconds 1,576,074,600,000
Float Shares 403,180,082
Forward Eps 2.3552673
Forward P E 7.4980874
Full Exchange Name NasdaqGS
Fullday Change -0.0200005
Fullday Change Percent -0.113125
Fullday Price 17.66
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.69201
Gross Profits 12,892,719,104
Has Pre Post Market Data 1
Held Percent Insiders 0.0073400005
Held Percent Institutions 0.82848
Implied Shares Outstanding 507,442,979
Industry Capital Markets
Industry Disp Capital Markets
Industry Key capital-markets
Ipo Expected Date 2,021-10-04
Is Earnings Date Estimate 0
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 8,961,442,816
Market State CLOSED
Max Age 86,400
Message Board Id finmb_280872908
Most Recent Quarter 1,782,777,600
Net Income To Common 5,316,803,072
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 8,971,591,867
Number Of Analyst Opinions 10
Open 17.8
Operating Cashflow 13,448,451,072
Operating Margins 0.31178
Payout Ratio 0.1998
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 17.66
Post Market Time 1,787,959,806
Previous Close 17.68
Price Eps Current Year 1.6374457
Price Hint 2
Price To Book 1.9442657
Price To Sales Trailing12 Months 0.4809994
Profit Margins 0.28538
Quick Ratio 1.449
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key strong_buy
Recommendation Mean 1.5
Region US
Regular Market Change -0.0200005
Regular Market Change Percent -0.113125
Regular Market Day High 17.815
Regular Market Day Low 17.24
Regular Market Day Range 17.24 - 17.815
Regular Market Open 17.8
Regular Market Previous Close 17.68
Regular Market Price 17.66
Regular Market Time 1,787,947,200
Regular Market Volume 4,169,799
Return On Assets 0.01359
Return On Equity 0.22563
Revenue Growth 0.106
Revenue Per Share 35.86
Sand P52 Week Change 0.20504117
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 405,690,510
Shares Percent Shares Out 0.036199998
Shares Short 18,354,326
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 19,513,929
Short Name XP Inc.
Short Percent Of Float 0.045500003
Short Ratio 4.88
Source Interval 15
Symbol XP
Target High Price 25.719831
Target Low Price 18.919392
Target Mean Price 22.340801
Target Median Price 22.902372
Total Cash 287,425,691,648
Total Cash Per Share 566.375
Total Debt 159,541,297,152
Total Revenue 18,630,881,280
Tradeable 0
Trailing Annual Dividend Rate 2.028
Trailing Annual Dividend Yield 0.11470589
Trailing Eps 1.97
Trailing P E 8.964467
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 18.0288
Two Hundred Day Average Change -0.3687992
Two Hundred Day Average Change Percent -0.020456117
Type Disp Equity
Volume 4,169,799
Website https://www.xpinc.com
Zip KY1-1208