XP Inc.(XP) Stock Research - Grey Stern Research

XP Inc. (XP) Stock Analysis

$14.86 (1.43%)

XP Financial Performance


Use the table below to view XP Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q4 - 2024

Metric Value Ranking among Peers
Price $14.74 -
52 Week Low $10.82 -
52 Week High $26.07 -
Market Cap $8.0 Billion 6/14
Gross Margin 100% 1/14
Profit Margin 28% 5/14
EBITDA margin 0% 8/14
Q4 - 2024 Revenue $871.4 Million 4/14
Q4 - 2024 Earnings $242.3 Million 5/14
Q4 - 2024 Free Cash Flow $778.8 Million 1/14
Trailing 4 Quarters Revenue $3.0 Billion 5/14
Trailing 4 Quarters Earnings $926.8 Million 3/14
Quarterly Earnings Growth 13% 12/14
Annual Earnings Growth 5% 14/14
Quarterly Revenue Growth 3% 8/14
Annual Revenue Growth 53% 2/14
Cash On Hand $1.2 Billion 4/14
Short Term Debt $0 7/14
Long Term Debt $5.6 Billion 1/14

XP Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare XP Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 8.59 13/14
PS 12.91 1/14
PB 1.93 10/14
PC 6.91 8/14
Liabilities to Equity 16.33 1/14
ROA 0.00 13/14
ROE 0.05 13/14
Current Ratio 1.06 13/14
Quick Ratio 0.02 14/14
Long Term Debt to Equity 1.36 2/14
Debt to Equity 1.36 2/14
Burn Rate 6.60 2/14
Cash to Cap 0.14 7/14
CCR 3.21 4/14
EV to EBITDA -1.00 8/14
EV to Revenue -1.00 10/14

Company Details

XP Inc. provides financial products and services in Brazil. It offers securities brokerage, private pension plans, commercial, and investment banking products, such as loan operations and transactions in the foreign exchange markets and deposits; product structuring and capital markets services for corporate clients and issuers of fixed income products; advisory services for mass-affluent and institutional clients; and wealth management services for high-net-worth customers and institutional clients. The company also offers Xpeed, an online financial education portal that offers seminars, classes, and learning tools to help teach individuals on topics, such as basics of investing, techniques, and investment strategies, as well as insurance brokerage services. In addition, it operates XP Platform, an open product platform that provides clients to access investment products in the market, including equity and fixed income securities, mutual and hedge funds, private equity, structured products, credit cards, loan operations, life insurance, pension plans, real-estate investment funds, and others. The company was founded in 2001 and is based in São Paulo, Brazil.

CEO: Mr. Guilherme Benchimol

Website: https://www.xpinc.com

Address: Av. Chedid Jafet, 75 Sao Paulo, SP

Exchange: NASDAQ Global Select

Industry: Capital Markets

XP Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to XP Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
Evercore Inc. EVR $8.3 Billion
LPL Financial Holdings Inc. LPLA $25.3 Billion
Lazard Ltd LAZ $4.2 Billion
Moelis & Company MC $4.4 Billion
Stifel Financial Corp. SF $10.3 Billion
Greenhill & Co., Inc. GHL $282.0 Million
Interactive Brokers Group, Inc. IBKR $73.5 Billion
MarketAxess Holdings Inc. MKTX $8.1 Billion
PJT Partners Inc. PJT $5.6 Billion
Marathon Digital Holdings, Inc. MARA $4.8 Billion
UP Fintech Holding Limited TIGR $1.5 Billion
Piper Sandler Companies PIPR $4.7 Billion
Bit Digital, Inc. BTBT $345.4 Million
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
XP Income Statements
Quarter Year Revenue Earnings
Q4 2024 R$ 4.2 Billion R$1.2 Billion
Q3 2024 R$ 1.9 Billion R$1.2 Billion
Q1 2024 R$ 4.1 Billion R$1.0 Billion
Q2 2024 R$ 4.3 Billion R$1.1 Billion
Q4 2023 R$ 4.1 Billion R$1.0 Billion
Q3 2023 R$ 1.8 Billion R$1.1 Billion
Q2 2023 R$ 1.5 Billion R$975.4 Million
Q1 2023 R$ 1.3 Billion R$795.0 Million

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XP Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q4 2024 R$5.6 Billion R$347.5 Billion R$27.3 Billion R$20.0 Billion
Q3 2024 R$4.6 Billion R$316.4 Billion R$51.1 Billion R$21.4 Billion
Q2 2024 R$5.6 Billion R$297.1 Billion R$76.5 Billion R$20.0 Billion
Q1 2024 R$3.9 Billion R$278.9 Billion R$74.8 Billion R$20.4 Billion
Q4 2023 R$3.9 Billion R$249.0 Billion R$61.8 Billion R$19.5 Billion
Q3 2023 R$3.8 Billion R$233.4 Billion R$40.8 Billion R$20.0 Billion
Q2 2023 R$2.9 Billion R$230.8 Billion R$34.6 Billion R$18.4 Billion
Q1 2023 R$3.1 Billion R$194.4 Billion R$27.7 Billion R$17.0 Billion

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XP Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q4 2024 R$3.8 Billion -R$27.2 Million R$1.5 Billion
Q3 2024 R$4.6 Billion -R$120.7 Million R$3.3 Billion
Q1 2024 R$3.5 Billion -R$46.7 Million -R$4.7 Million
Q2 2024 R$16.9 Billion -R$76.7 Million R$1.7 Billion
Q4 2023 R$11.1 Billion R$53.6 Million R$121.6 Million
Q3 2023 -R$1.4 Billion -R$200.1 Million -R$859.3 Million
Q2 2023 R$1.8 Billion -R$39.4 Million -R$32.9 Million
Q1 2023 R$3.4 Billion -R$10.3 Million R$2.6 Billion

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