XP Inc. (BVMF:XPBR31)

XP Inc. Ratios and Metrics

Market cap in millions BRL. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 17, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Cap	49,884	44,697	33,520	75,401	45,257	84,645
Market Cap Growth	12.56%	33.34%	-55.54%	66.61%	-46.53%	-27.49%
Enterprise Value	-	275,122	1,238,135	882,088	-104,928	-259,837
PE Ratio	9.65	9.29	8.90	17.66	12.98	25.58
Forward PE	8.57	8.92	7.94	15.15	10.76	24.13
PEG Ratio	-	0.59	0.66	1.10	0.67	0.66
PS Ratio	2.81	0.46	0.37	0.96	0.64	1.33
PB Ratio	2.12	0.36	0.32	0.74	0.50	0.56
P/TBV Ratio	2.20	0.37	0.32	0.73	0.52	0.57
P/FCF Ratio	4.21	0.72	0.58	1.78	4.89	-3.87
P/OCF Ratio	4.14	0.71	0.57	1.76	4.77	-4.00
EV/Sales Ratio	-	2.84	13.81	11.28	-1.49	-4.09
EV/EBITDA Ratio	-	8.35	39.31	35.41	-4.90	-11.78
EV/EBIT Ratio	-	8.77	41.14	37.40	-5.17	-12.47
EV/FCF Ratio	-	4.42	21.32	20.79	-11.33	11.88
Debt / Equity Ratio	6.14	6.14	11.70	8.08	6.78	3.65
Debt / EBITDA Ratio	22.88	23.10	39.19	33.22	28.41	12.56
Debt / FCF Ratio	10.37	12.23	21.25	19.50	65.65	-12.67
Net Debt / Equity Ratio	1.86	1.86	11.42	7.88	-1.67	-2.27
Net Debt / EBITDA Ratio	6.92	6.99	38.25	32.38	-7.02	-15.62
Net Debt / FCF Ratio	3.14	3.70	20.74	19.01	-16.22	15.75
Asset Turnover	0.05	0.05	0.06	0.07	0.08	0.10
Quick Ratio	5.88	5.88	0.50	0.51	2.17	3.90
Current Ratio	6.32	6.32	0.57	0.58	2.24	4.03
Return on Equity (ROE)	23.71%	23.71%	22.86%	21.37%	22.76%	28.38%
Return on Assets (ROA)	1.52%	1.52%	1.74%	2.01%	2.42%	3.17%
Return on Invested Capital (ROIC)	1.79%	1.79%	1.78%	3.07%	12.37%	22.66%
Return on Capital Employed (ROCE)	2.11%	2.11%	3.43%	3.60%	3.65%	5.95%
Earnings Yield	10.36%	10.76%	11.24%	5.66%	7.70%	3.91%
FCF Yield	23.73%	139.38%	173.26%	56.27%	20.46%	-25.84%
Buyback Yield / Dilution	-4.06%	-22.38%	-21.25%	-6.39%	-21.11%	-7.06%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Standard template. Financial Sources.