Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
XP 
Xp Inc (XP)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/01/2025: XP (1-star) is a SELL. SELL since 2 days. Profits (-1.79%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 12.37% | Avg. Invested days 33 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.60B USD | Price to earnings Ratio 9.9 | 1Y Target Price 18.24 |
Price to earnings Ratio 9.9 | 1Y Target Price 18.24 | ||
Volume (30-day avg) 8180184 | Beta 1.61 | 52 Weeks Range 10.82 - 24.30 | Updated Date 04/1/2025 |
52 Weeks Range 10.82 - 24.30 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 4.73% | Basic EPS (TTM) 1.43 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.77% | Operating Margin (TTM) 31.45% |
Management Effectiveness
Return on Assets (TTM) 1.51% | Return on Equity (TTM) 22.86% |
Valuation
Trailing PE 9.9 | Forward PE 8.94 | Enterprise Value 7335420926 | Price to Sales(TTM) 0.47 |
Enterprise Value 7335420926 | Price to Sales(TTM) 0.47 | ||
Enterprise Value to Revenue 5.52 | Enterprise Value to EBITDA 6.8 | Shares Outstanding 434048000 | Shares Floating 360412269 |
Shares Outstanding 434048000 | Shares Floating 360412269 | ||
Percent Insiders 7.9 | Percent Institutions 88.87 |
Analyst Ratings
Rating 3.8 | Target Price 21.94 | Buy 2 | Strong Buy 3 |
Buy 2 | Strong Buy 3 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Xp Inc
Company Overview
History and Background
XP Inc. is a Brazilian financial services company founded in 2001. Initially a broker-dealer, it expanded to offer a wide range of investment products and services. It went public on the Nasdaq in 2019.
Core Business Areas
- Retail Brokerage: Provides an investment platform and services to individual investors, offering access to equities, fixed income, funds, and other financial products.
- Institutional Services: Offers brokerage and investment banking services to institutional clients, including asset managers, hedge funds, and corporations.
- Investment Banking: Provides advisory and underwriting services for mergers and acquisitions, debt and equity offerings, and other corporate finance transactions.
- Asset Management: Manages investment funds across various asset classes, catering to both retail and institutional investors.
Leadership and Structure
XP Inc. has a CEO (currently Thiago Maffra) and a board of directors. The company operates with a decentralized structure, empowering its different business units.
Top Products and Market Share
Key Offerings
- Investment Platform: XP's flagship platform provides access to a wide range of investment products. While exact market share data fluctuates, XP is a leading brokerage in Brazil, estimated to have over 3.6 million active clients. Competitors include Nu Invest, Itau Corretora, and BTG Pactual digital.
- Fixed Income Products: Offers a variety of fixed income instruments, including government bonds, corporate bonds, and inflation-linked securities. Market share varies across different fixed income products. Competitors include other Brazilian banks and brokerage firms.
- Investment Funds: Manages a diverse portfolio of investment funds across various asset classes. Market share data is fragmented across fund categories. Competitors include large asset managers like BlackRock, Vanguard, and local Brazilian firms.
Market Dynamics
Industry Overview
The Brazilian financial services industry is undergoing significant transformation, driven by increasing digitalization, growing investor awareness, and regulatory changes. The market is highly competitive, with both traditional banks and fintech companies vying for market share.
Positioning
XP Inc. is positioned as a leading independent financial services platform in Brazil, offering a comprehensive suite of products and services. Its competitive advantages include its large distribution network, its diversified product offering, and its strong brand recognition.
Total Addressable Market (TAM)
The TAM for financial services in Brazil is estimated to be hundreds of billions of dollars. XP is positioned to capture a significant share of this market by expanding its product offerings, growing its client base, and leveraging its technology platform.
Upturn SWOT Analysis
Strengths
- Large distribution network
- Diversified product offering
- Strong brand recognition
- Technology platform
- High growth potential
Weaknesses
- Exposure to macroeconomic volatility in Brazil
- Regulatory risks
- Reliance on key personnel
- Potential for increased competition
- Concentration of revenue from brokerage services
Opportunities
- Expanding into new markets
- Developing new products and services
- Acquiring complementary businesses
- Leveraging technology to improve efficiency
- Increasing investor awareness
Threats
- Economic slowdown in Brazil
- Increased competition from traditional banks and fintech companies
- Changes in regulations
- Cybersecurity risks
- Geopolitical risks
Competitors and Market Share
Key Competitors
- ITUB4.SA
- BTG PACTUAL
- SANB11.SA
Competitive Landscape
XP Inc. faces intense competition from traditional banks and fintech companies. XP's advantages include its independent platform, its wide range of products and services, and its strong brand. However, traditional banks have larger balance sheets and established customer relationships.
Major Acquisitions
Rico
- Year: 2016
- Acquisition Price (USD millions):
- Strategic Rationale: Expanded XP Inc.'s retail investor base and product offerings.
Clear Corretora
- Year: 2014
- Acquisition Price (USD millions):
- Strategic Rationale: Strengthened XP Inc.'s position in the online brokerage market.
Growth Trajectory and Initiatives
Historical Growth: XP Inc. has experienced rapid growth in recent years, driven by increasing investor interest in financial markets and the company's ability to attract new clients. However, real-time data is required.
Future Projections: Analysts project continued growth for XP Inc., driven by the increasing digitalization of financial services and the company's expansion into new markets. However, real-time data is required.
Recent Initiatives: XP Inc. has recently launched new products and services, expanded its distribution network, and made strategic acquisitions to support its growth.
Summary
XP Inc. is a leading financial services platform in Brazil with a strong brand and a diversified product offering. While they are experiencing rapid growth, the company faces economic and regulatory risks. They are well-positioned to capitalize on the increasing digitalization of financial services. Competition is intense, and XP must continue to innovate to maintain its market share and watch out for macro-economic environment in Brazil.
Similar Companies
- ITUB4.SA
- BTG PACTUAL
- SANB11.SA
- MELI
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- Publicly available information
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on your own research and due diligence.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Xp Inc
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2019-12-11 | CEO - | ||
Sector Financial Services | Industry Capital Markets | Full time employees - | Website https://www.xpinc.com |
Full time employees - | Website https://www.xpinc.com | ||
XP Inc. provides 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 Grand Cayman, Cayman Islands.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.