XP
Financial ServicesXP Inc. · Financial - Capital Markets · $9B
What is XP Inc.?
XP Inc. is a leading Brazilian financial services platform offering investment, brokerage, wealth management, and banking products to retail and institutional clients across Brazil.
XP generates revenue through securities brokerage, investment banking, private pension plans, and wealth management services. Its open XP Platform connects clients to a broad range of investment products, while Xpeed provides online financial education. The company serves mass-affluent individuals, high-net-worth customers, and institutional clients.
XP Inc. was founded in 2001 and is headquartered in São Paulo, Brazil.
- Securities brokerage and capital markets services
- Wealth management for high-net-worth clients
- XP Platform — open investment product marketplace
- Xpeed online financial education portal
Is XP a Good Stock to Buy?
UQS Score rates XP as Good overall, reflecting meaningful strengths alongside notable risks.
XP's Quality pillar ranks as Strong, suggesting the business generates returns that stand out within the Financial Services sector. Valuation is rated Attractive, meaning the stock does not appear expensive relative to its fundamentals. Growth is rated Good, pointing to a constructive expansion trajectory.
The Risk pillar is rated Weak, which warrants attention — investors should weigh the company's exposure to Brazil's macroeconomic and regulatory environment.
See the exact pillar breakdown and full financial metrics by signing up for a Pro account at UQS Score. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does XP pay dividends?
Yes — XP Inc. pays a dividend.
XP Inc. pays a regular dividend, which is relatively uncommon among high-growth emerging-market financial platforms. This reflects the company's capacity to return capital while continuing to invest in platform expansion across Brazil.
When does XP report earnings?
XP Inc. reports earnings on a quarterly cadence, consistent with US-listed equities.
XP's Quality and Growth pillar ratings suggest the business has maintained a constructive earnings profile. Revenue diversification across brokerage, banking, and wealth management provides multiple drivers of results each quarter.
For the most recent quarter's results, visit XP Inc.'s investor relations page directly.
XP Price History
-41.8% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in XP Inc.?
Based on XP Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does XP Inc. do?
XP Inc. is a Brazilian financial services company offering securities brokerage, investment banking, private pension plans, wealth management, and an open investment platform called XP Platform. It also runs Xpeed, an online financial education portal for individual investors.
Does XP pay dividends?
Yes, XP Inc. pays a regular dividend. This distinguishes it from many growth-oriented emerging-market peers. Investors seeking income alongside growth exposure may find this relevant, though dividend continuity depends on business performance and Brazilian regulatory conditions.
When does XP report earnings?
XP Inc. follows a quarterly earnings reporting schedule. For exact dates and the most recent results, check XP Inc.'s official investor relations page, as our data source does not cover upcoming earnings dates.
Is XP a good stock to buy?
UQS Score rates XP as Good overall. Strong Quality and Attractive Valuation are positives, while a Weak Risk rating highlights meaningful macro and regulatory exposure in Brazil. The full pillar breakdown is available to Pro members on UQS Score.
Is XP overvalued?
XP's Valuation pillar is rated Attractive, suggesting the stock is not considered expensive relative to its fundamentals at the time of scoring. Valuation ratings can shift with market conditions, so reviewing the full analysis regularly is worthwhile.
Is XP a long-term quality investment?
As a long-term quality indicator, XP's Strong Quality and Good Growth pillars are encouraging. However, the Weak Risk rating reflects real uncertainties tied to Brazil's economic environment. Long-term investors should weigh both the platform's competitive position and the country-level risk profile.
What sector does XP belong to?
XP Inc. operates in the Financial Services sector, specifically as a diversified investment and brokerage platform focused on the Brazilian market. It competes across retail brokerage, wealth management, and investment banking segments.
What is XP's market cap bracket?
XP Inc. is classified as a large-cap company, reflecting its significant scale within Brazil's financial services landscape and its listing on a major US exchange.
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Pro Analysis
XP — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Aug 27, 2026 | 12.5 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | -49.6 |
| Aug 3, 2026 | 62.1 | 94.9 | 50.0 | 52.4 | 19.4 | 83.4 | 0.0 |
| Aug 1, 2026 | 62.1 | 94.9 | 50.0 | 52.4 | 19.4 | 83.3 | 0.0 |
| Jul 30, 2026 | 62.1 | 94.9 | 50.0 | 52.4 | 19.4 | 83.5 | -0.4 |
| Jul 28, 2026 | 62.5 | 94.9 | 50.0 | 54.0 | 19.4 | 83.5 | +0.1 |
| Jul 25, 2026 | 62.4 | 94.9 | 50.0 | 53.7 | 19.4 | 83.4 | +0.1 |
| Jul 24, 2026 | 62.3 | 94.9 | 50.0 | 53.7 | 19.4 | 82.8 | +0.1 |
| Jul 23, 2026 | 62.2 | 94.9 | 50.0 | 53.7 | 19.4 | 82.3 | 0.0 |
| Jul 22, 2026 | 62.2 | 94.9 | 50.0 | 53.3 | 19.4 | 82.4 | 0.0 |
| Jul 20, 2026 | 62.2 | 94.9 | 50.0 | 53.3 | 19.4 | 82.7 | -0.3 |
XP — Pillar Breakdown
Quality
— 0.0/100 (25%)XP Inc. currently shows below-average quality metrics, suggesting challenges with profitability.
Ability to convert revenue into operating profit.
Free cash flow relative to market value.
Growth
— 0.0/100 (20%)XP Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Analyst consensus for future revenue growth.
Risk
— 0.0/100 (15%)XP Inc. presents elevated risk with concerns around leverage or financial stability.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 0.0/100 (15%)XP Inc. appears expensively valued relative to its fundamentals and growth prospects.
Moat
— 50/100 (25%)XP Inc. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for XP.
Score Composition
Financial Data
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How is the XP UQS Score Calculated?
The UQS (Unified Quality Score) for XP Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses XP Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether XP Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.