XP Inc. (XP) fair value analysis
Nasdaq · Updated 2026-10-19
XP price how computed
Valuation status
Reports in BRLXP reports its results in BRL while its shares trade in US dollars.
Forward Fair Value needs earnings and price in the same currency, so TickrTrends publishes no fair-value verdict for XP until same-currency inputs are available. Price and market cap below are in US dollars; revenue and EPS are shown in BRL.
- Last price
- $21.17
- Sector
- Financial Services
- 12-month range
- $14.94–$32.60
- Market cap
- $14.8B
- From 52-week high
- -35.1%
- Shares outstanding
- 701M
- Rank in Financial Services by quality score
- #143 of 207
Last price is the 2026-10-01 month-start close, the freshest stored price; the chart runs through 2026-10-16.
XP Inc. is a Brazilian financial services company that provides brokerage services, investment products, and financial advisory solutions to retail and institutional clients. The company operates primarily in Brazil, offering services through digital platforms and a network of independent financial advisors.
XP currently ranks #143 of 207 Financial Services stocks by quality score.
Fundamentals (4 quarters) how computed
Revenue and EPS are shown in BRL; the trailing P/E is omitted because an EPS in BRL against a US-dollar share price would mislead.
- Market cap
- $14.8B
- Revenue (TTM)
- BRL 19.3B
- Net margin
- 27.6%
- EPS (TTM)
- BRL 8.05
- Gross margin
- 66.4%
- Debt / equity
- 3.74
- Revenue growth (3-yr avg)
- 5.4%
- Shares outstanding
- 701M
Derived indicators how computed
- Quality grade
- D
- Margin trend
- Contracting
- 52-week position
- The lower-middle quarter of its range
Technicals how computed
- RSI (14-day)
- 69 · neutral
- 50-day average
- $21.01
- 200-day average
- $18.92
- Moving-average state
- 50-day above 200-day (golden cross state); price above both averages
Dividends how computed
- Paid, last 12 months
- $0.38 per share (2 payments)
- Yield on last price
- 1.79%
- Consecutive years of increases
- 0 (no streak on complete calendar years)
- Last ex-dividend date
- 2026-06-10
- Last payment date
- 2026-06-18
Earnings how computed
- Next earnings report
- 2026-11-16
- Last 8 quarters vs consensus
- 6 beat, 2 missed
- Quarter by quarter
- 2026-06 ▲ beat (+3.9%)
2026-03 ▼ miss (-1.6%)
2025-12 ▲ beat (+2.4%)
2025-09 ▲ beat (+2.1%)
2025-06 ▲ beat (+10.3%)
2025-03 ▲ beat (+5.5%)
2024-12 ▼ miss (-0.9%)
2024-09 ▲ beat (+0.5%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 12 buy · 1 hold · 0 sell (13 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $26.2
- Target vs last price
- +23.8%
What our data shows for XP
- Shares are trading in the middle of their 12-month price range of $14.94–$32.60.
- The 14-day relative strength index sits at a neutral 69.
What subscribers see
- Every published Forward Fair Value with its exact discount or premium
- The normalized P/E and quarter count behind each estimate
- Screeners and rankings across the full S&P 500 and Nasdaq universes
- XP's own verdict the week it qualifies, published automatically
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent XP news
TickrTrends' derived news-sentiment signal for XP is currently leaning positive, computed from recent coverage.
- XP Inc (XP) Stock Up 3.5% but GF Value Says Overvalued -- GF Score: 86/100 (gurufocus.com, 2026-10-19)
- Option Traders Show Bearish Sentiment on XP Inc (XP) Amid Elevated Volatility (gurufocus.com, 2026-10-15)
- XP Inc (XP) Shares Fall 3.7% -- What GF Score of 83 Tells Investors (gurufocus.com, 2026-10-13)
More XP news
- Why XP Inc. (XP) Led This Week’s Top-Performing US Stocks: What Investors Should Watch Next (insidermonkey.com, 2026-10-10)
- XP Upgraded by Itau BBA -- Price Target Announced at $27.00 (gurufocus.com, 2026-10-06)
- Is XP Inc (XP) Overvalued After 30.9% Rally? GF Value Says Overvalued (gurufocus.com, 2026-10-05)
What people are saying
Follow the XP conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — XP's Relative Strength Index moved from overbought territory into neutral zone this week, indicating a moderation in the stock's recent momentum. This shift in the RSI derived indicator suggests the Financial Services sector company has pulled back from the elevated buying pressure that characterized the previous week.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — XP's relative strength index has shifted from neutral territory into overbought zone this week, indicating that the Financial Services sector stock may have experienced significant upward momentum in recent trading. The valuation assessment for XP remains in a pending state as a complete valuation review has not yet been finalized.
- 2026-10-05 — XP's 50/200-day trend state shifted from mixed to uptrend this week, indicating a positive near-term technical development for the Financial Services sector company. The valuation assessment remains in an awaiting full valuation status, meaning comprehensive pricing analysis has not yet been completed.
- 2026-09-28 — # XP Weekly Summary XP's relative strength index moved from an overbought zone to a neutral zone this week, indicating a shift in momentum dynamics for the Financial Services company. The stock's valuation assessment remains pending completion of a full analysis.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is XP stock undervalued?
XP reports its results in BRL while its shares trade in US dollars. Forward Fair Value needs earnings and price in the same currency, so TickrTrends publishes no fair-value verdict for XP until same-currency inputs are available.
What is XP's TickrTrends verdict?
XP is currently marked 'Reports in BRL' - no verdict is published on inputs in two different currencies.
How does XP compare to other Financial Services stocks?
XP ranks #143 of 207 Financial Services stocks in TickrTrends' coverage by quality score. It carries no fair-value verdict yet, so it is not ranked by discount.
Is XP overbought or oversold?
XP's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does XP pay a dividend?
Yes. XP paid $0.38 per share over the last twelve months (2 payments), a 1.79% yield on TickrTrends' last price. The last ex-dividend date was 2026-06-10.
When does XP report earnings next?
XP's next earnings report is scheduled for 2026-11-16, per the published earnings calendar.
Does XP usually beat earnings estimates?
Over its last 8 reported quarters XP beat the consensus estimate 6 times and missed 2 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about XP?
Of 13 analysts covering XP, 12 rate it a buy, 1 a hold and 0 a sell - buy-leaning, with a consensus price target of $26.2 (+23.8% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.