XP Inc. XP
Composite 55/100; the shares have moved about 49% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Growth ranks 39/100 — a slight mark against it.
Valuation ranks 89/100 — a strong point in its favour. Quality ranks 53/100 — a slight point in its favour.
Growth ranks 39/100 — a slight mark against it. Balance-sheet strength ranks 44/100 — a slight mark against it. Income ranks 44/100 — a slight mark against it.
What the company does XP Inc. operates Brazil’s largest open financial-product platform, offering brokerage, mutual funds, credit cards, insurance, and wealth management to retail and institutional clients.
Key financials XP posts ROE 22.9%, net margin 28.8%, revenue growth 9.7%, and EPS growth 8.9%. Profitability is strong, but leverage is high (Debt/Equity 6.77) and liquidity modest (Current ratio 1.39).
Stock health Sidera’s overall score is 54.2 (average quality, attractively valued), with Valuation 81.1 but Momentum 37.7 and Strength 41.3. Profitability metrics are solid, but Altman Z -0.02 signals elevated bankruptcy risk.
Price vs fair value The stock trades at a discount to both our fair-value estimate and analyst target. - Valuation percentile 81.1/100 indicates deep undervaluation vs peers (Valuation). - Forward P/E 9.53 and P/E 8.50 are low versus historical averages (Valuation). - ROE 22.9% supports a premium multiple, yet the market prices in a discount (Quality). - Momentum score 37.7 and RSI 57.20 suggest limited near-term upside (Momentum). - Debt/Equity 6.77 and Altman Z -0.02 may justify a lower multiple (Strength).
Looking forward Forward P/E 9.53 and strong ROE imply potential rerating if growth sustains and leverage stabilizes. Risks include macro sensitivity and execution in a competitive Brazilian market.
This is not investment advice. Sideravia provides automated, data-driven analysis for information and education only. Nothing on this page is a personal recommendation or an invitation to buy or sell any security, and it does not consider your objectives or financial situation. Assessments are generated by rules applied uniformly to every covered stock — how our scores work.
Data as of 2026-09-03, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.