Xp Inc (XP) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Xp Inc stock (XP) is currently trading at $19.69. Xp Inc PE ratio is 10.50. Xp Inc PS ratio (Price-to-Sales) is 0.56. Analyst consensus price target for XP is $24.10. WallStSmart rates XP as Moderate Buy.
- XP PE ratio analysis and historical PE chart
- XP PS ratio (Price-to-Sales) history and trend
- XP intrinsic value — DCF, Graham Number, EPV models
- XP stock price prediction 2025 2026 2027 2028 2029 2030
- XP fair value vs current price
- XP insider transactions and insider buying
- Is XP undervalued or overvalued?
- Xp Inc financial analysis — revenue, earnings, cash flow
- XP Piotroski F-Score and Altman Z-Score
- XP analyst price target and Smart Rating
Xp Inc
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XP Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Xp Inc (XP)
XP trades at a significant discount to its Graham intrinsic value of $53.73, offering a 62% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Xp Inc (XP) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, operating margin, price/sales. Overall metrics suggest strong investment potential with favorable risk/reward.
Xp Inc (XP) Key Strengths (6)
Keeps $32 of every $100 in revenue after operating costs
Paying less than $1 for every $1 of annual revenue
Keeps $29 of every $100 in revenue as net profit
103.06% of shares held by major funds and institutions
Every $100 of equity generates $24 in profit
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Xp Inc (XP) Areas to Watch (3)
Fairly priced relative to book value
Solid revenue growth at 13.30% per year
Solid earnings growth at 14.10%
Supporting Valuation Data
Xp Inc (XP) Detailed Analysis Report
Overall Assessment
This company scores 74/100 in our Smart Analysis, earning a B grade. Out of 9 metrics analyzed, 6 register as strengths (avg 9.3/10) while 3 fall into concern territory (avg 6.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Sales, Profit Margin. Valuation metrics including Price/Sales (0.56) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 23.70%, Operating Margin at 31.50%, Profit Margin at 29.10%.
The Bear Case
The primary concerns are Price/Book, Revenue Growth, EPS Growth. Some valuation metrics including Price/Book (2.11) suggest expensive pricing. Growth concerns include Revenue Growth at 13.30%, EPS Growth at 14.10%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Book improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 23.70% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 13.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Sales makes a compelling case at current levels. The key risk is Price/Book, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
XP Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
XP's Price-to-Sales ratio of 0.56x trades at a deep discount to its historical average of 1.45x (16th percentile). The current valuation is 88% below its historical high of 4.68x set in Dec 2019, and 47% above its historical low of 0.38x in Dec 2024. Over the past 12 months, the PS ratio has expanded from ~0.5x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Xp Inc (XP) · FINANCIAL SERVICES › CAPITAL MARKETS
The Big Picture
Xp Inc is a mature, profitable business with steady cash generation. Revenue reached 17.8B with 13% growth year-over-year. Profit margins are strong at 29.1%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 23.7% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 29.1% and operating margin of 31.5% demonstrate strong pricing power and operational efficiency.
Free cash flow is -2.4B, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Sector dynamics: monitor CAPITAL MARKETS industry trends, competitive moves, and regulatory changes that could impact Xp Inc.
Bottom Line
Xp Inc is a well-established business delivering consistent profitability with 29.1% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Xp Inc(XP)
NASDAQ
FINANCIAL SERVICES
CAPITAL MARKETS
USA
XP Inc. offers financial products and services in Brazil. The company is headquartered in So Paulo, Brazil.