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Upturn AI SWOT - About
XP 
Xp Inc (XP)
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Upturn Advisory Summary
06/18/2025: XP (3-star) is a STRONG-BUY. BUY since 37 days. Profits (22.46%). Updated daily EoD!
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
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Year Target Price $21.48
Year Target Price $21.48
| 5 | Strong Buy |
| 5 | Buy |
| 2 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 69.67% | Avg. Invested days 38 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/18/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.38B USD | Price to earnings Ratio 12.63 | 1Y Target Price 22.15 |
Price to earnings Ratio 12.63 | 1Y Target Price 22.15 | ||
Volume (30-day avg) - | Beta 1.17 | 52 Weeks Range 10.82 - 20.64 | Updated Date 06/30/2025 |
52 Weeks Range 10.82 - 20.64 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.30% | Basic EPS (TTM) 1.56 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.52% | Operating Margin (TTM) 30.39% |
Management Effectiveness
Return on Assets (TTM) 1.5% | Return on Equity (TTM) 22.77% |
Valuation
Trailing PE 12.63 | Forward PE 11.71 | Enterprise Value 7954416147 | Price to Sales(TTM) 0.63 |
Enterprise Value 7954416147 | Price to Sales(TTM) 0.63 | ||
Enterprise Value to Revenue 5.85 | Enterprise Value to EBITDA 7.02 | Shares Outstanding 423566016 | Shares Floating 368907881 |
Shares Outstanding 423566016 | Shares Floating 368907881 | ||
Percent Insiders - | Percent Institutions 89.9 |
Analyst Ratings
Rating 4.25 | Target Price 21.48 | Buy 5 | Strong Buy 5 |
Buy 5 | Strong Buy 5 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Xp Inc
Company Overview
History and Background
XP Inc. was founded in 2001 in Brazil by Guilherme Benchimol and Marcelo Maisonnave. Originally an independent financial advisor firm, it evolved into a comprehensive investment platform offering a wide range of financial services. It went public on the Nasdaq in December 2019.
Core Business Areas
- Retail Brokerage: XP offers investment services, including trading, research, and financial advisory, to individual investors. The platform provides access to various investment products such as stocks, bonds, mutual funds, and derivatives.
- Institutional Brokerage: XP provides brokerage services to institutional investors, including asset managers, hedge funds, and pension funds.
- Investment Banking: XP provides investment banking services, including underwriting, mergers and acquisitions advisory, and restructuring services.
- Asset Management: XP offers asset management services through its various funds and mandates, catering to both retail and institutional clients.
- Insurance: XP offers insurance products to its customer base
- Credit: XP offers credit products to its customer base
Leadership and Structure
XP Inc. is led by CEO Thiago Maffra. The company has a hierarchical organizational structure with various departments responsible for different business areas.
Top Products and Market Share
Key Offerings
- Investment Platform: XP's core investment platform provides access to various asset classes. XP has a large user base in Brazil. Competitors include NuInvest, BTG Pactual, and Itau00fa Corretora.
- Financial Advisory: XP offers financial advisory services to help clients manage their investments. Competitors include other brokerage firms and independent financial advisors.
Market Dynamics
Industry Overview
The financial services industry is highly competitive, with increasing demand for digital investment platforms and personalized financial advice.
Positioning
XP Inc. is a leading investment platform in Brazil, known for its wide range of investment products and services. XP Inc is expanding into other segments of financial services to become a one stop shop for their customer base
Total Addressable Market (TAM)
The global financial services market is estimated to be in the trillions of dollars. XP Inc. is focused on capturing a larger share of the Brazilian market and expanding into other Latin American countries. As a leader in the Brazilian market, they are well positioned to continue to gain market share.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Brazil
- Wide range of investment products and services
- Large user base
- Experienced management team
Weaknesses
- Concentrated market in Brazil
- Regulatory risks
- Dependence on market conditions
Opportunities
- Expansion into other Latin American countries
- Growth in the digital investment market
- Increase in financial literacy
Threats
- Increased competition
- Economic downturns
- Changes in regulations
Competitors and Market Share
Key Competitors
- ITUB
- BTG
- MELI
Competitive Landscape
XP Inc. competes with both traditional financial institutions and new digital investment platforms. XP's competitive advantage lies in its wide range of products and services, strong brand recognition, and large user base.
Major Acquisitions
Antecipa
- Year: 2020
- Acquisition Price (USD millions): 30
- Strategic Rationale: Strengthen XP Inc's product offerings for SMEs.
Growth Trajectory and Initiatives
Historical Growth: XP Inc has experienced significant growth in revenue and user base over the past few years.
Future Projections: Analyst estimates project continued growth for XP Inc, driven by expansion into new markets and increased demand for digital investment services.
Recent Initiatives: XP Inc. has been focusing on expanding its product offerings, investing in technology, and entering new markets such as insurance and credit.
Summary
XP Inc. is a leading financial services platform in Brazil, offering a wide range of investment products and services. Its strong brand and large user base contribute to its success. Key opportunities include expansion into other Latin American countries and growth in the digital investment market. Challenges include increased competition and regulatory risks. XP is well-positioned for future growth through strategic initiatives and innovation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry News
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor.
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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