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XP Inc. (XP) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated today

XP Inc.

XPMarket cap $7.50BPrice $14.8

Country🇧🇷Brazil

SectorFinancials

IndustryCapital Markets

In Bastion Portfolios?

52W Return-9%Global Market -3%?

01Growth

Is it actually growing, and how fast?

XPXP

Revenue FY25$3.2B

GROWTHSTRONG71

Historical Revenue

Rev CAGR (3y)+10%7

Revenue Forecast

Rev CAGR (1y)+13%7

Rev CAGR (3y)+12%7

Rev CAGR (5y)+10%8

Earnings Forecast

EPS Growth Y+1+12%7

EPS Growth Y+2+12%7

EPS Growth Y+3+9%6

BOTTOM LINE

Steady Grower

A top-tier grower. Dependable mid-pace growth without extremes. A reasonable fit for balanced growth strategies, less so for pure high-growth mandates. The strongest point: revenue grew 10%/yr over the last 3 years, ahead of 60% of companies worldwide.

02Price Momentum

Is the market behind it right now?

XPXP

Total return Current−59.1%

Price return Current−61.6%

MOMENTUMVERY WEAK3

Short term

1 month return-50%1

3 month return-11%3

YTD return-9%3

Mid term

Price vs 52wHigh45%1

1 year return-19%2

Long term

3 year return-21%2

5 year return-52%1

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the multi-year record is weak.

03Value

Are you paying a fair price for it?

XPXP

P/E Current7.8x

Median15.1x

VALUEVERY STRONG97

Price Multiples

P/E Ratio (Forward)710

P/E Ratio (Forward 3y)610

P/BV1.77

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yieldna–

BOTTOM LINE

Deep Value

A genuinely cheap stock. Forward P/E, EV multiples, and book value all screen attractive versus the market. A textbook fit for pure value and smart-value strategies. The strongest point: today it trades at 7x forward earnings, cheaper than 90% of companies worldwide. The one thing to watch: free cash flow is negative.

04Quality

Is the business high-quality and durable?

XPXP

EBITDA margin FY2535.3%

Net margin FY2529.1%

QUALITYSTRONG76

Margins

EBIT Margin0%8

Net Income Margin29%9

Free Cash Flow Margin71%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE23%8

ROA1%3

Earnings Stability88

BOTTOM LINE

High-Quality Business

A genuinely high-quality business. Profitability and capital efficiency rank well above the market. A solid quality holding, with one or two softer spots to watch. The strongest point: best on free cash flow margin at 71%, better than 90% of companies worldwide.

05Key Ratings

How does this stock score across Bastion factors?

Get the full verdict and portfolio strategy on XP

Premium

$20.75/month

Billed annually at $249/year $348

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01Growth

Is it actually growing, and how fast?

XPXP

Revenue FY25$3.2B

GROWTHSTRONG71

Historical Revenue

Rev CAGR (3y)+10%7

Revenue Forecast

Rev CAGR (1y)+13%7

Rev CAGR (3y)+12%7

Rev CAGR (5y)+10%8

Earnings Forecast

EPS Growth Y+1+12%7

EPS Growth Y+2+12%7

EPS Growth Y+3+9%6

BOTTOM LINE

Steady Grower

02Price Momentum

Is the market behind it right now?

XPXP

Total return Current−59.1%

Price return Current−61.6%

MOMENTUMVERY WEAK3

Short term

1 month return-50%1

3 month return-11%3

YTD return-9%3

Mid term

Price vs 52wHigh45%1

1 year return-19%2

Long term

3 year return-21%2

5 year return-52%1

BOTTOM LINE

Falling Knife

03Value

Are you paying a fair price for it?

XPXP

P/E Current7.8x

Median15.1x

VALUEVERY STRONG97

Price Multiples

P/E Ratio (Forward)710

P/E Ratio (Forward 3y)610

P/BV1.77

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yieldna–

BOTTOM LINE

Deep Value

04Quality

Is the business high-quality and durable?

XPXP

EBITDA margin FY2535.3%

Net margin FY2529.1%

QUALITYSTRONG76

Margins

EBIT Margin0%8

Net Income Margin29%9

Free Cash Flow Margin71%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE23%8

ROA1%3

Earnings Stability88

BOTTOM LINE

High-Quality Business

05Key Ratings

How does this stock score across Bastion factors?

Get the full verdict and portfolio strategy on XP

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community