XP Inc. (XP)
NASDAQ: XP · Real-Time Price · USD
17.06
-0.14 (-0.81%)
Jul 31, 2026, 4:00 PM EDT - Market closed
XP Inc. Ratios and Metrics
Market cap in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Total Valuation
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
| 8,765 | 8,492 | 6,368 | 14,325 | 8,598 | 16,081 | |
Market Cap Growth | 1.14% | 33.34% | -55.54% | 66.62% | -46.54% | -27.49% |
Enterprise Value | -14,742 | -14,542 | -10,791 | -5,047 | -3,701 | 5,277 |
Last Close Price | 17.06 | 16.37 | 11.85 | 26.07 | 15.34 | 28.74 |
Price Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 8.97 | 9.29 | 8.90 | 17.66 | 12.98 | 25.58 |
Forward PE | 7.75 | 8.92 | 7.94 | 15.15 | 10.76 | 24.13 |
PEG Ratio | 0.48 | 0.59 | 0.66 | 1.10 | 0.67 | 0.66 |
PS Ratio | 2.52 | 2.55 | 2.31 | 4.68 | 3.41 | 7.42 |
PB Ratio | 1.86 | 1.99 | 1.96 | 3.57 | 2.67 | 6.21 |
P/TBV Ratio | 0.42 | 0.42 | 0.37 | 0.84 | 0.54 | 1.21 |
P/FCF Ratio | 2.33 | 3.96 | 3.57 | 8.62 | 25.84 | - |
P/OCF Ratio | 2.30 | 3.89 | 3.52 | 8.55 | 25.20 | - |
EV Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
EV/Sales Ratio | - | -4.36 | -3.92 | -1.65 | -1.47 | 2.43 |
EV/EBITDA Ratio | - | - | - | - | - | 7.02 |
EV/EBIT Ratio | - | - | - | - | - | 7.43 |
Financial Efficiency
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Debt / Equity Ratio | 7.25 | 7.74 | 8.41 | 4.93 | 4.54 | 3.65 |
Debt / EBITDA Ratio | 28.00 | 29.12 | 28.19 | 20.26 | 19.03 | 12.56 |
Debt / FCF Ratio | 9.38 | 15.41 | 15.29 | 11.90 | 43.96 | - |
Net Debt / Equity Ratio | -5.73 | -5.39 | -5.29 | -4.83 | -3.82 | -4.17 |
Net Debt / EBITDA Ratio | -22.12 | -20.29 | -17.72 | -19.86 | -16.00 | -14.37 |
Net Debt / FCF Ratio | -7.41 | -10.73 | -9.61 | -11.66 | -36.96 | 14.49 |
Asset Turnover | 0.05 | 0.05 | 0.06 | 0.07 | 0.08 | 0.10 |
Quick Ratio | 1.89 | 2.04 | 1.73 | 1.75 | 1.75 | 1.72 |
Current Ratio | 2.08 | 2.22 | 1.88 | 1.82 | 1.82 | 1.79 |
Return on Equity (ROE) | 21.76% | 23.72% | 22.86% | 21.37% | 22.76% | 28.38% |
Return on Assets (ROA) | 1.43% | 1.52% | 1.74% | 2.01% | 2.42% | 3.17% |
Return on Capital Employed (ROCE) | 2.54% | 2.80% | 3.54% | 3.62% | 4.26% | 7.69% |
Yields
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Earnings Yield | 11.47% | 10.76% | 11.24% | 5.66% | 7.70% | 3.91% |
FCF Yield | 42.94% | 25.27% | 28.04% | 11.60% | 3.87% | - |
Dividend Yield | 1.17% | 1.04% | 5.14% | 5.19% | 0.00% | 0.00% |
Payout Ratio | 19.97% | 9.57% | 45.13% | 90.86% | 0.00% | 0.00% |
Buyback Yield / Dilution | 2.88% | 2.99% | -0.75% | 5.03% | 0.09% | -2.57% |
Total Shareholder Return | 4.05% | 4.03% | 4.38% | 10.21% | 0.09% | -2.57% |