XP Inc. (XP)
NASDAQ: XP · Real-Time Price · USD
18.23
+0.57 (3.23%)
Aug 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 Quarter | Current | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Aug '26 Aug 31, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 |
| 9,251 | 8,354 | 9,846 | 8,647 | 9,898 | 10,662 | 7,390 | 6,364 | 9,614 | 9,645 | 14,073 | 14,289 | 12,633 | 12,392 | 6,425 | 8,595 | 10,646 | 10,048 | 16,856 | 16,081 | 22,457 | |
Market Cap Growth (YoY) | 2.70% | -21.64% | 33.25% | 35.88% | 2.95% | 10.54% | -47.49% | -55.46% | -23.90% | -22.17% | 119.02% | 66.24% | 18.67% | 23.32% | -61.88% | -46.55% | -52.60% | -58.73% | -19.96% | -27.47% | -2.38% |
Last Close Price | 18.23 | 16.26 | 18.80 | 16.16 | 18.36 | 19.74 | 13.44 | 11.58 | 16.69 | 16.36 | 23.87 | 24.25 | 20.77 | 20.64 | 10.44 | 13.50 | 16.73 | 15.80 | 26.49 | 25.29 | 35.35 |
Price Ratios
Fiscal Quarter | Current | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Aug '26 Aug 31, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 |
PE Ratio | 9.32 | 8.14 | 9.80 | 9.21 | 10.44 | 11.81 | 8.98 | 8.72 | 11.97 | 12.52 | 17.08 | 17.78 | 17.34 | 16.67 | 9.24 | 12.70 | 15.22 | 14.24 | 21.59 | 24.96 | 38.05 |
PS Ratio | 2.57 | 2.32 | 2.83 | 2.68 | 3.07 | 3.46 | 2.56 | 2.42 | 3.30 | 3.40 | 4.66 | 4.87 | 4.71 | 4.64 | 2.53 | 3.51 | 4.39 | 4.12 | 6.46 | 7.50 | 10.94 |
PB Ratio | 1.93 | 1.74 | 2.08 | 2.02 | 2.23 | 2.61 | 2.01 | 1.96 | 2.45 | 2.68 | 3.46 | 3.56 | 3.15 | 3.24 | 1.91 | 2.67 | 3.30 | 3.23 | 5.16 | 6.21 | 9.07 |
P/FCF Ratio | 3.63 | - | 2.69 | - | 2.92 | 5.54 | - | 3.57 | 4.60 | 9.81 | - | 8.60 | - | 9.19 | 7.95 | 25.83 | - | - | -23.58 | -21.56 | - |
P/OCF Ratio | 3.57 | - | 2.65 | - | 2.89 | 5.46 | - | 3.52 | 4.56 | 9.60 | - | 8.53 | - | 9.15 | 7.88 | 25.19 | - | - | -24.44 | -22.29 | - |
Financial Efficiency
Fiscal Quarter | Current | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Aug '26 Aug 31, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 |
Debt / Equity Ratio | 6.43 | 6.43 | 6.77 | 6.31 | 7.72 | 7.75 | 7.37 | 7.94 | 6.24 | 6.73 | 6.43 | 5.47 | 4.91 | 5.36 | 4.45 | 4.44 | 4.36 | 4.44 | 4.43 | 3.99 | 3.60 |
Debt / FCF Ratio | 12.07 | - | 8.76 | - | 10.12 | 16.45 | - | 14.43 | 11.73 | 24.61 | - | 13.20 | - | 15.20 | 18.55 | 43.03 | - | - | -20.25 | -13.83 | - |
Net Debt / Equity Ratio | -5.15 | -5.15 | -4.96 | -5.01 | -3.58 | -3.32 | -3.50 | -3.19 | -3.01 | -3.14 | -2.32 | -1.99 | -1.90 | -2.29 | -2.23 | -1.79 | -1.30 | -1.16 | -1.66 | -1.57 | -2.28 |
Net Debt / FCF Ratio | -9.68 | -9.68 | -6.41 | -9.98 | -4.68 | -7.05 | -6.26 | -5.80 | -5.65 | -11.49 | -37.69 | -4.79 | -6.99 | -6.50 | -9.29 | -17.31 | -18.60 | 7.16 | 7.60 | 5.46 | 6.78 |
Asset Turnover | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.06 | 0.06 | 0.06 | 0.07 | 0.06 | 0.06 | 0.06 | 0.08 | 0.08 | 0.08 | 0.10 | 0.10 | |
Quick Ratio | 1.45 | 1.45 | 1.34 | 1.31 | 1.26 | 1.25 | 1.25 | 1.21 | 1.28 | 1.37 | 1.38 | 1.34 | 1.40 | 1.38 | 1.44 | 1.31 | 1.23 | 1.34 | 1.38 | 1.32 | 1.37 |
Current Ratio | 1.49 | 1.49 | 1.39 | 1.34 | 1.29 | 1.28 | 1.28 | 1.25 | 1.30 | 1.41 | 1.40 | 1.38 | 1.45 | 1.42 | 1.49 | 1.37 | 1.29 | 1.43 | 1.43 | 1.35 | 1.40 |
Return on Equity (ROE) | 22.35% | 21.84% | 21.72% | 23.16% | 24.40% | 24.06% | 22.81% | 22.97% | 22.14% | 20.66% | 21.08% | 22.59% | 22.02% | 18.68% | 18.14% | 24.43% | 22.93% | 22.81% | 28.46% | 28.79% | |
Return on Assets (ROA) | 1.35% | 1.30% | 1.29% | 1.38% | 1.46% | 1.42% | 1.42% | 1.55% | 1.55% | 1.56% | 1.72% | 1.87% | 1.84% | 1.65% | 1.66% | 2.32% | 2.19% | 2.26% | 2.94% | 3.07% | |
Return on Invested Capital (ROIC) | 0.72% | 0.74% | 0.67% | 0.66% | 0.70% | 0.70% | 0.69% | 0.77% | 0.71% | 0.76% | 0.83% | 0.92% | 0.94% | 0.84% | 0.80% | 1.08% | 1.00% | 1.12% | 1.50% | 1.54% |
Yields
Fiscal Quarter | Current | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Aug '26 Aug 31, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 |
Earnings Yield | 11.09% | 12.28% | 10.21% | 10.85% | 9.58% | 8.47% | 11.14% | 11.47% | 8.36% | 7.99% | 5.86% | 5.62% | 5.77% | 6.00% | 10.82% | 7.88% | 6.57% | 7.02% | 4.63% | 4.01% | 2.63% |
FCF Yield | 27.56% | 30.53% | 37.23% | 24.85% | 34.25% | 18.05% | 27.76% | 28.04% | 21.72% | 10.19% | 1.78% | 11.63% | 8.62% | 10.88% | 12.57% | 3.87% | 2.12% | -5.02% | -4.24% | -4.64% | -3.71% |
Dividend Yield | 1.10% | - | 2.08% | 1.11% | 1.47% | - | - | 5.61% | 3.90% | - | - | - | 6.21% | 2.81% | - | - | - | - | - | - | - |
Payout Ratio | 19.42% | 37.21% | - | 38.17% | - | - | - | 172.60% | - | - | - | 188.52% | 145.25% | - | - | - | - | - | - | - | - |
Buyback Yield / Dilution | 2.91% | 2.85% | 2.63% | 3.74% | 1.75% | 2.84% | 3.08% | 2.31% | 1.65% | -3.75% | -3.67% | 1.80% | 3.45% | 7.83% | 6.91% | 2.40% | -0.27% | -0.78% | -0.71% | -1.85% | -2.74% |
Total Shareholder Return | 4.00% | 2.85% | 4.70% | 4.86% | 3.22% | 2.84% | 3.08% | 7.92% | 5.55% | -3.75% | -3.67% | 1.80% | 9.66% | 10.64% | 6.91% | 2.40% | -0.27% | -0.78% | -0.71% | -1.85% | -2.74% |