XP Inc.
XPFinancial ServicesNASDAQCapital Markets
Scan Results
Daily timeframeXP Inc. engages in the provision of financial products and services in Brazil. With a market capitalization of $8.76B, it sits in mid-cap territory. 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.
Market Cap
$8.76B
Beta
1.19
P/E (TTM)
8.61
P/E (Fwd)
6.94
EPS (TTM)
$1.97
EPS (Fwd)
$2.45
ROE
22.9%
ROA
1.4%
Cash
$290.11B
Total Debt
$167.48B
Free CF
—
52W Change
-12.4%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $290.11B in cash comfortably exceeding the $167.48B debt load. A net cash position generally provides financial flexibility during uncertain economic periods. ROE of 22.9% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.4% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $5.94B (2022) to $7.97B (2025), reflecting a 34% increase over the period.
Investors considering XP Inc. should weigh the typical risks associated with XP's sector, size, and financial profile against their own risk tolerance and investment objectives. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence XP Inc.'s trajectory.