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Market Closed -
Nasdaq
16:00:00 2026-10-14 EDT
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5-day change | 1st Jan Change | ||
| 30.49 USD | -2.84% |
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+3.25% | +86.26% |
| 09-18 | XP Insider Sold Shares Worth $2,413,865, According to a Recent SEC Filing | MT |
| 09-14 | Brazil derivatives exchange A5X raises $70 million in new funding round | RE |
Projected Income Statement: XP Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 12,077 | 13,348 | 14,860 | 17,078 | 18,412 | 20,088 | 22,562 | 25,314 |
| Change | - | 10.52% | 11.33% | 14.93% | 7.81% | 9.11% | 12.31% | 12.2% |
| EBITDA 1 | 4,190 | 4,065 | 4,732 | 5,971 | 6,272 | 6,788 | 7,780 | 8,816 |
| Change | - | -2.98% | 16.41% | 26.18% | 5.04% | 8.22% | 14.63% | 13.31% |
| EBIT 1 | 3,958 | 3,859 | 4,480 | 5,706 | 5,968 | 6,455 | 7,477 | 8,494 |
| Change | - | -2.5% | 16.09% | 27.37% | 4.59% | 8.16% | 15.83% | 13.6% |
| Interest Paid 1 | -136 | -402.3 | -617 | -780 | -625.4 | -418 | -424.5 | -333 |
| Earnings before Tax (EBT) 1 | 4,382 | 3,445 | 3,936 | 4,986 | 5,449 | 6,123 | 7,265 | 8,351 |
| Change | - | -21.38% | 14.25% | 26.68% | 9.29% | 12.37% | 18.65% | 14.95% |
| Net income 1 | 3,589 | 3,580 | 3,899 | 4,515 | 5,169 | 5,711 | 6,485 | 7,405 |
| Change | - | -0.26% | 8.91% | 15.8% | 14.49% | 10.49% | 13.55% | 14.18% |
| Announcement Date | 2/8/22 | 2/16/23 | 2/27/24 | 2/18/25 | 2/12/26 | - | - | - |
Forecast Balance Sheet: XP Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net Debt 1 | 28,390 | 5,141 | 5,632 | 3,555 | -10,119 | -23,571 | -23,997 | -23,223 |
| Change | - | -81.89% | 9.55% | -36.88% | -384.64% | -132.94% | -1.81% | 3.23% |
| Announcement Date | 2/8/22 | 2/16/23 | 2/27/24 | 2/18/25 | 2/12/26 | - | - | - |
Cash Flow Forecast: XP Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| CAPEX 1 | 353 | 127 | 196.2 | 330.2 | 489.6 | 755.8 | 651.6 | 740.1 |
| Change | - | -64.03% | 54.54% | 68.28% | 48.26% | 54.39% | -13.79% | 13.59% |
| Free Cash Flow (FCF) 1 | -4,373 | 1,677 | 7,931 | 10,849 | 11,836 | 6,923 | 15,469 | 11,791 |
| Change | - | 138.34% | 372.96% | 36.79% | 9.1% | -41.51% | 123.44% | -23.78% |
| Announcement Date | 2/8/22 | 2/16/23 | 2/27/24 | 2/18/25 | 2/12/26 | - | - | - |
Forecast Financial Ratios: XP Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||
| EBITDA Margin (%) | 34.69% | 30.45% | 31.84% | 34.96% | 34.06% | 33.79% | 34.48% | 34.83% |
| EBIT Margin (%) | 32.77% | 28.91% | 30.15% | 33.41% | 32.41% | 32.13% | 33.14% | 33.55% |
| EBT Margin (%) | 36.28% | 25.81% | 26.49% | 29.2% | 29.59% | 30.48% | 32.2% | 32.99% |
| Net margin (%) | 29.72% | 26.82% | 26.24% | 26.44% | 28.07% | 28.43% | 28.74% | 29.25% |
| FCF margin (%) | -36.21% | 12.56% | 53.37% | 63.52% | 64.28% | 34.46% | 68.56% | 46.58% |
| FCF / Net Income (%) | -121.84% | 46.84% | 203.41% | 240.28% | 228.97% | 121.22% | 238.53% | 159.24% |
Profitability | ||||||||
| ROA | 3.05% | 2.16% | 2.5% | 1.51% | 1.39% | 1.34% | 1.34% | 1.33% |
| ROE | 28.36% | 22.76% | 21.4% | 23% | 23.72% | 23.16% | 23.83% | 24.15% |
Financial Health | ||||||||
| Leverage (Debt/EBITDA) | 6.78x | 1.26x | 1.19x | 0.6x | - | - | - | - |
| Debt / Free cash flow | -6.49x | 3.07x | 0.71x | 0.33x | - | - | - | - |
Capital Intensity | ||||||||
| CAPEX / Current Assets (%) | 2.92% | 0.95% | 1.32% | 1.93% | 2.66% | 3.76% | 2.89% | 2.92% |
| CAPEX / EBITDA (%) | 8.43% | 3.12% | 4.15% | 5.53% | 7.81% | 11.14% | 8.37% | 8.4% |
| CAPEX / FCF (%) | -8.07% | 7.57% | 2.47% | 3.04% | 4.14% | 10.92% | 4.21% | 6.28% |
Items per share | ||||||||
| Cash flow per share 1 | -7.01 | 3.148 | 14.93 | 20.39 | 22.64 | 30.89 | 0.2946 | 11.68 |
| Change | - | 144.91% | 374.38% | 36.52% | 11.05% | 36.43% | -99.05% | 3,863.95% |
| Dividend per Share 1 | - | - | 6.459 | 3.774 | - | 7.567 | 8.278 | 8.722 |
| Change | - | - | - | -41.57% | - | - | 9.39% | 5.37% |
| Book Value Per Share 1 | 25.77 | 30.67 | 35.46 | 37.13 | 43.71 | 49.25 | 55.18 | 62.55 |
| Change | - | 19.04% | 15.62% | 4.7% | 17.71% | 12.69% | 12.05% | 13.34% |
| EPS 1 | 6.259 | 6.25 | 7.16 | 8.231 | 9.719 | 10.93 | 12.48 | 14.01 |
| Change | - | -0.14% | 14.56% | 14.96% | 18.07% | 12.47% | 14.21% | 12.24% |
| Nbr of stocks (in thousands) | 559,549 | 560,294 | 548,083 | 537,004 | 528,220 | 507,483 | 507,483 | 507,483 |
| Announcement Date | 2/8/22 | 2/16/23 | 2/27/24 | 2/18/25 | 2/12/26 | - | - | - |
| 2026 * | 2027 * | |
|---|---|---|
| P/E | 14x | 12.3x |
| PBR | 3.12x | 2.78x |
| EV / Sales | 2.71x | 2.39x |
| Yield | 4.93% | 5.39% |
EPS & Dividend
Y-o-Y evolution of P/E
Year-on-year evolution of the Yield
Trader
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Quarterly revenue - Rate of surprise
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