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XP Inc. (XP)

Unterbewertet
Financial ServicesCapital MarketsCayman Islands

Fundamental

64

Kurs

$20.67

Marktkapitalisierung

$10.65B

Teil 1 · Was das Unternehmen wert ist

Übersicht

XP Inc. engages in the provision of financial products and services in Brazil. It operates XP Platform, an open product platform that provides clients to access investment products in the market comprising brokerage securities, fixed income securities, mutual, hedge, and private equity funds; derivatives and synthetic instruments; credit cards; loan operations/collateralized credit products; pension and social security funds, and life and travel insurance products; and other investment products comprising real estate funds, and equity and debt capital markets solutions, as well as wealth management services. The company offers brokerage and issuer services to institutional and corporate clients. It also manages mutual funds focused on stocks and macro strategies distributed to retail and to institutional clients; funds and managed portfolios for high-net-worth retail clients, and proprietary treasury funds; and passive mutual funds that track market indexes, and mutual and investment funds focused on fixed income, credit, real estate, infrastructure, and other alternative strategies. In addition, the company offers securities brokerage services for institutional and retail investors; interdealer brokerage services for institutional traders; and commercial and investment banking products, such as loan operations and transactions in the foreign exchange markets and deposits, as well as develops and sells financial education courses and events online and in person to retail clients. It offers its sell products and services through its omni-channel distribution network and online portals. XP Inc. was founded in 2001 and is based in George Town, the Cayman Islands.

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Direct competitors

Who this company fights with for the same customers

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No competitor list for this company yet.

Bilanz & Liquidität

Umsatz

$8.42B

Letzte 12 Monate (bis 30.6.2026)

Nettogewinn

$5.32B

Letzte 12 Monate (bis 30.6.2026)

Freier Cashflow

-

Gesamtes Eigenkapital

$3.68B

Gesamtverbindlichkeiten

$159.54B

Current Ratio

1.49

Zinsdeckungsgrad

-

Schulden/EBITDA

-

Gewinn je Aktie

Umsatz & Nettogewinn

Freier Cashflow

Ertragsaufschlüsselung

Historische Aufstellung

Margen im Zeitverlauf

Verschuldung im Zeitverlauf

Wie schwer die Schulden wiegen

Wachstumsraster

Wachstum — Umsatz

Innerer-Wert-Schätzung

BankUnterbewertet

Innerer Wert

$60.52

Aktueller Kurs

$20.67

Sicherheitsmarge

+65.8%

Innerer-Wert-Spanne

$39.34 - $81.70

Streubreite zwischen den verwendeten Bewertungsmethoden, kein statistisch kalibriertes Konfidenzintervall.

Bewertungsmethoden

Kursziel der Analysten:$23.22
Diskontierter Cashflow (DCF):Nicht anwendbar für diesen Unternehmenstyp
Gewinnmultiplikator (P/E):$17.90
Graham-Wachstumsformel:Nicht anwendbar für diesen Unternehmenstyp
Ertragskraftwert (EPV):Nicht anwendbar für diesen Unternehmenstyp
Gerechtfertigtes P/B:$118.49
Dividendendiskontierung (Gordon):$14.17
P/FFO, Funds from Operations:Nicht anwendbar für diesen Unternehmenstyp
Gewinn im Zyklusmittel:Nicht anwendbar für diesen Unternehmenstyp
Umsatzmultiplikator:Nicht anwendbar für diesen Unternehmenstyp
Analystenkonsens:Starker Kauf (17B / 2H / 0S)
Letzte Gewinnüberraschung:-0.99%

Bewertungskennzahlen

P/E-Verhältnis

10.77

ROE

22.6%

P/B-Verhältnis

2.31

P/FCF

-

Bruttomarge

69.2%

ROIC

2.8%

Rentabilitäts-Radar

Wertschöpfung (Wettbewerbsvorteil)

ROIC

2.8%

WACC

0.7%

ROIC − WACC

+2.1 pp

Der ROIC übersteigt die Kapitalkosten: Das Unternehmen schafft Wert für die Aktionäre.

Fundamentalanalyse-Kriterien

Bestanden (9)

  • Gross Margin 69.2%
  • P/B Ratio 2.31
  • Current Ratio
  • ROE 22.0%
  • Revenue Growth 5Y 17.7%
  • Analyst Consensus 89% Buy
  • PEG Ratio 0.48
  • Earnings Quality (OCF/NI) 2.60
  • Net Margin Trend 28.1% vs 26.4%

Nicht bestanden (6)

  • Price CAGR -8.38%
  • ROIC 2.8%
  • Debt/Equity ratio
  • DCF valuation (Unknown)
  • Earnings Surprise avg -2.3%
  • Piotroski F-Score 2/9

Nicht verfügbar (12)

  • EPS data insufficient
  • P/FCF NaN
  • Dividend Payout NaN%
  • Operating Margin NaN%
  • Positive Free Cash Flow
  • CapEx intensity
  • Interest Coverage
  • Debt/EBITDA
  • Return on Tangible Assets
  • Low reliance on intangibles
  • Price below Graham Number
  • Share Dilution (missing shares data)

Piotroski F-Score

2/9

Ernsthafte finanzielle Bedenken

score
criteria

Gewinnqualität

2.60

Hohe Qualität: Gewinne durch Cashflow gedeckt

Aktienverwässerung

-

Aktienrückkäufe. Aktionärsfreundlich

Institutionelle Beteiligungen

Für dieses Unternehmen liegen keine institutionellen Meldungen vor.

Unternehmensführung

Führungsteam

NamePositionAlter
Mr. Guilherme Dias Fernandes BenchimolFounder & Executive Chairman47
Mr. Thiago MaffraCEO & Director40
Mr. Gustavo Alejo VivianiChief Financial Officer50
Mr. Andre ParizeChief Investor Relations Officer-
Mr. Fabrício Cunha de AlmeidaGeneral Counsel43
Marco GoncalvesHead of M&A-
Gabriel Dos SantosHead of Recruitment & Selection-
Mr. Jose de Menezes Berenguer NetoCEO of Banco XP S.A. & Director59
Mr. Antonio GuimarãesInvestor Relations Officer-
Mr. Ygor Gomes AlteroEquity Research Analyst-

Teil 2 · Der Preis und der Einstiegszeitpunkt

Dieser Teil sagt nicht, ob das Unternehmen etwas taugt: Er hilft bei der Wahl des Kaufzeitpunkts, nachdem die Fundamentaldaten überzeugt haben. Enthalten: technische Analyse, Potenzial, historische Drawdowns, Gamma-Exposure.

Latest News

Recent headlines for XP, sourced from Markets Gazette.

  • 7/27/2026NEUTRAL
    XP Founder Urges Brazil to Fix Deficit as Election Debate Looms

    XP Inc. founder Guilherme Benchimol has issued a strong call for Brazil to implement a significant fiscal overhaul. He argues that such reforms are critical for reducing interest rates and fostering a more conducive environment for investment within the country. This statement comes as Brazil approaches an election debate, highlighting the intersection of political discourse and economic policy. Investors are watching closely to see if these calls for fiscal responsibility translate into concrete policy actions that could impact the broader Brazilian economic landscape and investment climate.

  • 5/19/2026NEGATIVE
    XP Posts Downbeat Q1 Earnings, Joins Akamai Technologies And Other Big Stocks Moving Lower In Tuesday's Pre-Market Session

    XP Inc. reported disappointing first-quarter earnings, missing analyst expectations and prompting a pre-market decline. The company also announced a new Chief Financial Officer, adding to the uncertainty. This news places XP among other major stocks, including Akamai Technologies, that are trading lower in Tuesday's pre-market session, with the Nasdaq futures indicating a broader market downturn. Investors are likely reassessing their positions in XP due to the weak financial performance and executive changes.

  • 2/21/2026NEUTRAL
    XP Could Soar If These 2 Things Go Right

    XP Inc., a Brazilian investment management company, appears potentially attractive to investors, but challenges remain. The article suggests the stock could soar if two specific conditions are met. While the details of these conditions are not specified, the analysis indicates that XP's future success will depend on key, yet-to-be-defined factors. For investors, this scenario calls for careful assessment of the risk/reward profile, given the uncertainty surrounding the achievement of future objectives.

via Markets Gazette