XP Inc. (XP)
Financials · investment services & brokerage · NASDAQ
XP Inc. is the dominant independent financial platform in Brazil, transforming the country's investment landscape through a technology-enabled open ecosystem.
What XP Inc. does
XP Inc. is a leading technology-driven financial services platform in Brazil. The company operates an open financial product ecosystem that provides access to a wide range of investment products, insurance, and banking services for retail and institutional clients.
Themes: fintech, wealth management, brazilian financial sector, investment platforms, digital brokerage
Fundamentals
- Price$16.81 as of 2026-08-21 close
- Market cap$8.0B as of 2026-08-24
- 1-year return+4.0% 2025-08-21 close $16.17 → 2026-08-21 close $16.81
- P/E7.90 as of 2026-08-24
- Net margin+28.0% as of 2026-08-24
- ROE+22.3% as of 2026-08-24
- Debt / equity3.67 as of 2026-08-24
- Revenue growth (YoY)+8.1% as of 2026-08-24
- Revenue CAGR (3y)+6.2% SEC XBRL
- Beta1.04 as of 2026-08-24
- Last reported earningsn/a no confirmed date — as a foreign private issuer it reports on Form 6-K, which carries no earnings item code
Dividend: yield +1.0%; pays a dividend.
How XP compares in its sector
- price-to-earnings ratiobottom 25% 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitytop 25% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldbottom 25% 453 covered Financials peers, as of 2026-08-24
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
XP is not currently in any published Top 10 list. Its scores are below.
Long-term score
Not scored for the long-term list: no shareholder return data.
Short-term score
39.7 #1414 of 1,704 scored · #249 of 277 in Financials
Volume and participation 74th: trading volume is about normal versus its 30-day average; momentum 47th: its RSI momentum gauge is in neutral territory; weakest is catalysts 3rd: the analyst consensus rating has softened toward "sell" since the prior reading.
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
Dividend coverage (FY2024)
Covered by reported results. In FY2024, XP's dividend was covered by reported results (earnings payout 45%, free-cash-flow payout 18%). This describes past coverage, not a forecast.
- Earnings payout45% dividends / net income
- Free-cash-flow payout18% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2024 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How XP Inc. looks technically
XP Inc. (XP) is trading 7.1% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 49 trading days ago — a "death cross", a bearish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 12, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 55, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 1 trading day ago (its momentum flipped positive). It made a new 20-day low about 8 trading days ago. It is 27.3% below its highest point of the past year.
Trend
7
| Distance from the 200-day | it is trading 7.1% below its 200-day average, the long-term trend line — a long-term downtrend | -7.1% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $16.29 | $16.29 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $18.09 | $18.09 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 9 calendar days ago — the swings before that are what the structure reading is measured on | 9 sessions |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 49 trading days ago — a "death cross", a bearish long-term signal | 49 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 12, below the 25 that marks a real trend) | 11.8 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 55, neither overbought (above 70) nor oversold (below 30) | 55.4 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($15.39 to $17.45) — its "stochastic" reading is 69 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 69.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 1 trading day ago (its momentum flipped positive) | 1 session |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $23.13 | $23.13 |
|---|---|---|
| From the 52-week high | it is 27.3% below its 52-week high (its highest price of the past year) | -27.3% |
| Above the 52-week low | it is 13.6% above its 52-week low (its lowest price of the past year) | +13.6% |
| Below the 52-week high | it is 27.3% below its highest point of the past year | 27.3% |
| Since a 20-day breakout | it made a new 20-day low about 8 trading days ago | 8 sessions |
| Since a 55-day breakout | it made a new 55-day low about 51 trading days ago | 51 sessions |
| All-time high | its highest closing price on record is $53.08 (set on 2021-09-02) | $53.08 |
| Given back of the 52-week move | over the past year its closes ranged ($15.26 to $22.95), and it has recovered roughly a quarter of its fall from last year’s high — 20% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $20.01 to $20.26. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 20.2% |
| From the all-time high | it is 68.3% below its all-time high | -68.3% |
| Nearest price level | it is sitting right on a resistance level at $16.89 — a price it turned at four times since 2024-10-09, most recently on 2026-06-15. Since 2024-08-21 it has 4 such levels below the current price and 6 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.5% |
| All-time low | its lowest closing price on record is $10.30 (set on 2023-03-15) | $10.30 |
| Above the all-time low | it is 63.2% above its all-time low | +63.2% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 32nd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.6074 between its high and its low — about 3.6% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.6074 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $15.28 and $17.49 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $15.28 – $16.38 – $17.49 |
| Typical daily range (% of price) | its price moves about 3.6% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.6% |
| Stretch from the 200-day average | it is trading 2.1 daily ranges below its 200-day average price (7.1% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 2.1 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.62× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 6.7% since the prior reading | -6.7% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating has softened toward "sell" since the prior reading | 0.46 toward sell |
Candlestick patterns
1
| Since a bearish engulfing | 1 session ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 1 session ago |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-08-21 1.1% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close | +1.1% |
|---|---|---|
| Open gap | it gapped 2.5% above the previous close 2 sessions ago and has not traded back through the level it left behind at 15.84 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +2.5% |
| Gap filled | a 2.2% gap up opened on 2026-07-30 has been "filled" 10 sessions ago — price traded back through the level the gap left behind, and it took 6 sessions to close | 10 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 2.6 percentage points (the stock lost 0.2% while the market gained 2.3%) | -2.6% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 9.3 percentage points (the stock lost 6.2% while the market gained 3.1%) | -9.3% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 37.8 percentage points (the stock lost 26.8% while the market gained 11.1%) | -37.8% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 16.5 percentage points (the stock gained 4.0% while the market gained 20.5%) | -16.5% |
Signal agreement
2
| Bullish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bullish state: MACD momentum is positive — these describe past price behaviour, not a forecast | 1 of 9 |
|---|---|---|
| Bearish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, lagging the market over 6 months — these describe past price behaviour, not a forecast | 3 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 7.6% of the share price. | 0.0% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 8% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $18.26 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | -7.9% |
|---|
Price levels it has turned at before
XP last closed at $16.81 on 2026-08-21. Since 2024-08-21 it has turned at 4 prices below its last close and 6 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $16.89 | Resistance | 0.5% above the last close | turned there four times · 2024-10-09 to 2026-06-15 |
| $16.27 | Support | 3.2% below the last close | turned there four times · 2025-04-29 to 2026-07-29 |
| $17.40 | Resistance | 3.5% above the last close | turned there five times · 2024-09-23 to 2026-07-22 |
| $17.73 | Resistance | 5.5% above the last close | turned there twice · 2024-09-10 to 2025-08-15 |
| $15.55 | Support | 7.5% below the last close | turned there six times · 2025-02-20 to 2026-08-12 |
| $13.56 | Support | 19.4% below the last close | turned there twice · 2025-03-04 to 2025-03-12 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Pulled back from the 12-month high · MACD just crossed bullish (12/26/9) · trendless / choppy (low ADX) · Analyst price target recently CUT · lagging the market | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.00 mean, 1=Strong Buy…5=Strong Sell) — 6 analysts
- Mean price target$21.53 range $18.94 – $23.92; median $21.50
Analyst estimates, as of 2026-08-18. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for XP
- Consensus EPS estimateBRL 2.74 next reporting period, as of 2026-08-18
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["dependence on the Brazilian macroeconomic environment","intense competition in the financial services sector","regulatory risks in Brazil's capital markets"]
Short interest (FINRA)
XP had 19,619,983 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for XP because its US listing is a depositary receipt and we have not yet read how many ordinary shares each receipt represents, so the share base cannot be converted. The reported figures above are unaffected.
- Reported short interest (shares) 19,619,983
- Prior settlement (shares) 19,513,929
- Reported change 0.54%
- Days to cover (reported) 5.98
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- BTG Pactual (BPAC11)
- Itaú Unibanco (ITUB)
- Bradesco (BBD)
- Santander Brasil (SANB11)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
XP Inc. is found in…
XP ranks in…
Frequently asked questions
What does XP Inc. (XP) do?
XP Inc. is a leading technology-driven financial services platform in Brazil. The company operates an open financial product ecosystem that provides access to a wide range of investment products, insurance, and banking services for retail and institutional clients.
What sector is XP Inc. (XP) in?
XP Inc. (XP) is classified in the Financials sector. Its industry is investment services & brokerage. It trades on NASDAQ.
Does XP pay a dividend?
Yes — XP Inc. (XP) pays a dividend, with an indicated yield of about 0.98% (market data, as of 2026-08-24). Informational only — not financial advice.
Who are XP Inc.'s (XP) competitors?
Notable peers of XP Inc. (XP) include BTG Pactual, Itaú Unibanco, Bradesco and Santander Brasil. This peer set is informational only — not financial advice.
Is XP Inc. (XP) overbought or oversold right now?
XP Inc. (XP) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 55, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on XP come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.