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Upturn AI SWOT - About
XP 
Xp Inc (XP)
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Upturn Advisory Summary
08/08/2025: XP (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
12 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $23.06
1 Year Target Price $23.06
| 5 | Strong Buy |
| 5 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 56.08% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/08/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.14B USD | Price to earnings Ratio 11.03 | 1Y Target Price 23.06 |
Price to earnings Ratio 11.03 | 1Y Target Price 23.06 | ||
Volume (30-day avg) 12 | Beta 1.14 | 52 Weeks Range 10.82 - 20.64 | Updated Date 08/9/2025 |
52 Weeks Range 10.82 - 20.64 | Updated Date 08/9/2025 | ||
Dividends yield (FY) 3.75% | Basic EPS (TTM) 1.57 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.52% | Operating Margin (TTM) 30.53% |
Management Effectiveness
Return on Assets (TTM) 1.5% | Return on Equity (TTM) 22.77% |
Valuation
Trailing PE 11.03 | Forward PE 10.33 | Enterprise Value 6692208828 | Price to Sales(TTM) 0.55 |
Enterprise Value 6692208828 | Price to Sales(TTM) 0.55 | ||
Enterprise Value to Revenue 4.91 | Enterprise Value to EBITDA 5.89 | Shares Outstanding 423566016 | Shares Floating 368907881 |
Shares Outstanding 423566016 | Shares Floating 368907881 | ||
Percent Insiders - | Percent Institutions 87.91 |
Upturn AI SWOT
Xp Inc
Company Overview
History and Background
XP Inc. was founded in 2001 in Brazil. It has grown from a small independent investment brokerage to one of the largest financial services firms in Brazil. It went public on the Nasdaq in 2019.
Core Business Areas
- Retail: Provides investment products and services to individual investors, including brokerage, financial planning, and investment advice.
- Institutional: Offers services to institutional investors, such as asset management and investment banking.
- Companies: Provides services to companies, including investment banking and corporate finance.
Leadership and Structure
Guilherme Benchimol is the founder and Chairman of the Board. The company has a hierarchical organizational structure with various departments reporting to the CEO and executive team.
Top Products and Market Share
Key Offerings
- Brokerage Services: Offers online brokerage services, including trading in stocks, bonds, and other securities. It is a leading brokerage in Brazil. Competitors are Itau Unibanco and Banco Bradesco.
- Financial Advisory: Provides financial advisory services to clients, helping them with investment planning and asset allocation. Competitors are private wealth management arms of major banks.
- Investment Banking: Offers investment banking services, including underwriting and M&A advisory. Competitors are Goldman Sachs, Morgan Stanley, and JP Morgan.
Market Dynamics
Industry Overview
The financial services industry in Brazil is competitive and growing, driven by increasing wealth and financial literacy. Regulatory changes are also impacting the market.
Positioning
XP Inc. is positioned as a leading independent financial services firm in Brazil, known for its technology-driven platform and focus on customer service.
Total Addressable Market (TAM)
The TAM for financial services in Brazil is estimated to be in the hundreds of billions of dollars. XP Inc. is well-positioned to capture a significant portion of this market.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Brazil
- Technology-driven platform
- Large and growing customer base
- Diversified revenue streams
Weaknesses
- Concentration of revenue in Brazil
- Exposure to regulatory changes
- Reliance on key personnel
- Relatively high operating expenses
Opportunities
- Expansion into new markets
- Development of new products and services
- Increased adoption of digital financial services
- Strategic acquisitions
Threats
- Increased competition from traditional banks and fintech companies
- Economic downturn in Brazil
- Changes in government regulations
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- ITUB
- BBDC
- PAGS
Competitive Landscape
XP Inc. competes with traditional banks and fintech companies in Brazil. It differentiates itself through its technology-driven platform and focus on customer service.
Major Acquisitions
Antecipa
- Year: 2020
- Acquisition Price (USD millions): 107
- Strategic Rationale: Strengthen XP's offering for small and medium-sized businesses (SMBs) by offering credit solutions.
Growth Trajectory and Initiatives
Historical Growth: XP Inc. has experienced rapid growth in recent years, driven by its expanding customer base and diversified product offerings.
Future Projections: Analysts project continued growth for XP Inc., driven by the increasing demand for financial services in Brazil.
Recent Initiatives: Recent initiatives include the launch of new investment products and services, expansion into new markets, and strategic acquisitions.
Summary
XP Inc. demonstrates a competitive edge in Brazil's financial sector through its tech platform and expanding customer base. It must navigate regulatory changes and competition from traditional and fintech firms. Expansion strategies and efficient expense management are crucial for sustained growth. Despite these challenges, XP Inc is well-positioned for future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry News
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly.
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. 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 Grand Cayman, Cayman Islands.
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