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XP Inc. XP | NASDAQ

$31.38 -$1.22 | -3.74%

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|2026-10-12

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Company Overview:

Market Cap: $15.92B

Trailing PE: 3.1x

FWD PE *: 2.7x

Payout Ratio (TTM): 19.1%

52-Week Range: $14.80 - $32.73

* Forward PE is based on street estimates.

6.8 Year XP Performance Metrics:

Total Return (with DRIP): 2.9% (0.41% CAGR)

Total Return (no DRIP): -2.1% (-0.32% CAGR)

Share Price: -8.9% (-1.37% CAGR)

Yield on Cost (with DRIP): 0.66%

Total Invested: $10,000

Total Value (with DRIP): $10,285

Total Return $ (with DRIP): $285

Dividend Increase: -69.2% (-34.90% CAGR)

Dividend Yield (FWD): 0.64% ($0.20)

XP 6.8-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

XP Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

XP Price CAGR:1Y: 96.49%2Y: 32.00%5Y: -2.16%10Y: -1.36%

XP Dividend Charts

XP - Dividends

XP Dividend CAGR:1Y: 11.11%2Y: -44.53%5Y: -32.35%10Y: -32.35%

XP - Dividend Payout Ratio

XP Dividend Payout Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

XP - Dividend to Free Cash Flow Ratio

XP Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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XP Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

XP - Revenue

XP Revenue CAGR:1Y: 178.33%2Y: 60.10%5Y: 23.18%10Y: 0.00%

XP - Earnings Per Share (EPS)

XP EPS CAGR:1Y: 11.31%2Y: 16.18%5Y: 10.95%10Y: 0.00%

XP - Net Income

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XP Net Income CAGR:1Y: 7.71%2Y: 12.87%5Y: 8.87%10Y: 0.00%

XP - EBITDA

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XP EBITDA CAGR:1Y: 0.00%2Y: 3.57%5Y: 0.00%10Y: 0.00%

XP - Free Cash Flow

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XP Free Cash Flow CAGR:1Y: 139.13%2Y: 36.83%5Y: 0.00%10Y: 0.00%

XP - Free Cash Flow / Share

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XP Free Cash Flow / Share CAGR:1Y: 145.83%2Y: 41.80%5Y: 0.00%10Y: 0.00%

XP - Operating Income

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XP Operating Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

XP - Gross Profit

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XP Gross Profit CAGR:1Y: 1,359.87%2Y: 105.01%5Y: 0.00%10Y: 0.00%

XP - Shares Outstanding

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XP Shares Outstanding CAGR:1Y: -2.85%2Y: -2.85%5Y: -1.88%10Y: 0.00%

XP - Share Buybacks

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XP Share Buybacks CAGR:1Y: 97.67%2Y: -18.40%5Y: 0.00%10Y: 0.00%

XP - Stock-Based Comp

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XP Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

XP - Expenses

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XP Expenses CAGR:1Y: -63.51%2Y: -28.87%5Y: -18.51%10Y: 0.00%

XP - Revenue vs Net Income

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XP - EPS vs FCF / Share

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XP - EPS vs PE Ratio

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XP - FCF vs FCF / Share

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XP - FCF vs Stock Based Comp

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XP - Cash & Debt

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Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

XP - REVENUE: Actual + Estimates

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XP Actual Revenue CAGR:1Y: 178.33%2Y: 60.10%5Y: 23.18%10Y: 0.00%

XP - EPS: Actual + Estimates

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XP Actual EPS CAGR:1Y: 11.31%2Y: 16.18%5Y: 10.95%10Y: 0.00%

XP - NET INCOME: Actual + Estimates

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XP Actual Net Income CAGR:1Y: 7.71%2Y: 12.87%5Y: 8.87%10Y: 0.00%

XP - EBITDA: Actual + Estimates

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XP Actual EBITDA CAGR:1Y: 0.00%2Y: 3.57%5Y: 0.00%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

XP - Net Profit Margin

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XP Net Profit Margin CAGR:1Y: -2.03%2Y: -29.50%5Y: -11.62%10Y: 0.00%

XP - Gross Profit Margin

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XP Gross Profit Margin CAGR:1Y: -1.64%2Y: 28.05%5Y: 0.00%10Y: 0.00%

XP - Price to Earnings

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XP Price to Earnings CAGR:1Y: -31.35%2Y: -20.02%5Y: -25.36%10Y: 0.00%

XP - Price To Sales Ratio

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XP Price To Sales Ratio CAGR:1Y: -34.62%2Y: -43.43%5Y: -33.95%10Y: 0.00%

XP - Return on Capital Employed

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XP Return on Capital Employed CAGR:1Y: -34.07%2Y: 0.00%5Y: 0.00%10Y: 0.00%

XP - Return on Invested Capital

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XP Return on Invested Capital CAGR:1Y: -34.15%2Y: 0.00%5Y: 0.00%10Y: 0.00%

XP Dividends Info:

Annual Dividend: $0.2

Forward Yield: 0.64%

Ex-Dividend Date: 2026-06-10

Lifetime Dividends / Share: $2.34

XP Dividend History: Dates, Payments & Yield list

Below is a schedule of all XP dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
06/10/2026	06/12/2026	$0.200	1.34%	1.25%	$16.02
12/10/2025	12/12/2025	$0.180	1.01%	1.03%	$17.49
12/10/2024	12/12/2024	$0.650	5.03%	4.95%	$13.12
12/12/2023	12/14/2023	$0.730	3.25%	2.88%	$25.34
09/11/2023	09/13/2023	$0.585	2.35%	2.26%	$25.86

Projected Future Returns & Dividends for XP

Based on past 6.8-year performance, here are XP growth metrics:

Share price CAGR of -1.37%
Dividend CAGR of -32.35%

Using XP CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	XP (DRIP)	XP - No DRIP
Current Price	$31.38	$31.38
Start Shares	318.67	318.67
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	324.87	318.67
Dividends Payment	$0.01	$0.01
Annual Dividends	$3	$3
Yield on cost	0.03%	0.03%
Share Price	$28.11	$28.11
Total Dividends	$190	$188
Final Value	$9,131	$9,145

Estimated Future Value + Dividends - XP

NOTE: Above numbers are our estimate based on XP's Dividend and Price CAGR over past 6.8 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

XP Inc. (XP) had its IPO on 2019-12-11, and is traded on NASDAQ stock exchange.

XP Inc. provides financial products and services in Brazil. The company 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. It offers brokerage and issuer services to institutional and corporate clients. The company 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, it 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. The company 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.

XP website: https://www.xpinc.com

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DCF Model — XP

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $31.38

—

Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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