XP Inc. (XP) Stock Score, Valuation & Financial Research
XP Inc. is in the Financial Services sector and Financial - Capital Markets industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 60/100.
Quick answer for XP
XP Inc. currently has a Wall Street Score of 60/100. The stored market price is $19.76. Its financial score is 31/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What XP Inc. does
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 treas
XP financial snapshot
- Wall Street Score:
- 60/100
- Current price:
- $19.76
- Market capitalization:
- $10.34B
- Revenue:
- $3.67B
- Net income:
- $1.02B
- Free cash flow:
- $2.33B
- Cash:
- $1.71B
- Total debt:
- $17.63B
- EPS:
- 1.93
- P/E ratio:
- 10.2x
- Financial score:
- 31/100
- Valuation score:
- 97/100
- Revenue score:
- 38/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $2.33B, showing positive cash generation.
- The balance sheet shows $1.71B of cash versus $17.63B of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 31/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research XP
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
Learn how to analyze a stock · Read the Wall Street Score methodology · Browse other stocks
Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.