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XPXP

XP Inc.

$XP·$11B·Financial - Capital Markets·Financial Services
$29.23-2.7%YTD+24.6%1Y+78.1%
Price updated 19h ago·X counts updated 6d ago
XPXP
$XPXP Inc.
$29.23-2.70%640 posts1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $XP on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

640X posts · last 7 days
Sep 29Oct 11
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $XP's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

Neutral sentimentAI analysisGenerated by AI from underlying data6 posts analyzed · as of 2026-09-11

The $XP cashtag is XAX Boost Event on Xphere mainnet (3,000 USDT staker prize distribution, Boom Bot draws, Sui base-setup giveaways) — not XP Inc equity. Sample is crypto/gaming community; no equity signal.

Read what X is saying about $XP

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $XP — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersAcceleratingAI verdict · as of 2026-10-02

The move is getting stronger, with heavier trading behind it.

XP Inc at 76% of 52-week range — Brazilian wealth-and-brokerage platform at 9.4x P/E, 32% operating margin.

XP Inc is Brazil's leading independent financial-services platform — brokerage, wealth management, insurance, and corporate advisory. The stock is up 25% YTD, trading well above the 50-day MA on strong fundamentals that argue the current valuation is too conservative.

  • The P&L is quietly accelerating: revenue grew 14% YoY to $4.99B BRL (~$890M USD) at a 32% operating margin and EPS R$2.79 — this is a 32%-operating-margin platform compounding in a market with structural tailwinds (Brazilian rate normalization, growing retail participation).
  • At 9.4x trailing earnings and 2.6x sales, XP is cheap relative to the quality — GF Score of 78/100 and the "Moderate Buy" consensus flag an underappreciated story.
  • Insider Dos Santos (director) sold $2.4M at $19.58 — a modest trim but worth noting; the Volume at 1.4x normal with the stock in the upper third of the range is a quiet-accumulation signal.

Accelerating holds while Brazilian retail wealth growth continues and interest-rate normalization benefits XP's deposit base. A soft Nov 16 earnings print on net new assets, or any specific regulatory headwind from the CVM (Brazilian SEC equivalent), is what cools the move; a strong NNA print plus a FY27 revenue guide above R$22B is what extends the breakout.

Differs from X sentimentThe X $XP cashtag is about XAX Boost Event on Xphere mainnet (3,000 USDT staker prize distribution, Boom Bot draws, Sui base-setup giveaways) — not XP Inc the Brazilian broker, whose actual tape is driven by retail-wealth NNA that the crypto/gaming community posters never mention.

What to watch: Nov 16 earnings — net new assets growth, retail client growth, operating margin trajectory above 32%, and any CVM regulatory commentary. A soft NNA print or any CVM-related regulatory tightening is what cools the breakout.

On the calendar: 2026-11-16 — Q3 FY26 earnings

Read the AI verdict on $XP

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Brazil's largest independent investment platform offering retail brokerage, funds, fixed income, and insurance products.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Capital Markets sits in its cycle right now — and what that implies for $XP.

Financial - Capital Markets · Financial Services

No material change from last week — digital-asset platforms drive growth as retail crypto trading and stablecoin adoption (USDC via CRCL) expand.

What this means for $XP

Partial — Brazil's largest independent investment platform offering retail brokerage, funds, fixed income, and insurance products.

Top industry ETF

$IAIiShares U.S. Broker-Dealers & Securities Exchanges ETF
-1.4%YTD
+3.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
9.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
1.4%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
31.8%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
42.7%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.6Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
22.1%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
66.7%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
3.7Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 17, 2026$0.53$0.50+6.0%
Q1 2026May 18, 2026$0.47$0.49-3.6%
Q4 2025Feb 12, 2026$0.46$0.45+2.2%
Q3 2025Nov 17, 2025$0.45$0.46-1.5%
Next earningsMon, Nov 16·consensus EPS $0.53

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$5.0B+14.0%66.4%32.6%$2.79$11.1B
Q1 FY26$4.6B+6.9%65.8%30.6%$2.48$694.2M
Q4 FY25$5.1B+6.5%67.4%33.0%$2.49$-2.4B
Q3 FY25$4.6B+5.5%67.1%31.0%$2.51$12.1B

Forward consensus

5-year forecast · up to 8 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$20.4B$20.2B – $20.6B$10.70$10.24 – $11.365
FY27$22.8B$22.8B – $22.9B$12.16$11.45 – $13.177
FY28$25.8B$24.1B – $27.1B$13.50$13.23 – $13.968
FY29$28.5B$27.6B – $29.3B$16.94$16.28 – $17.586
FY30$31.2B$30.3B – $32.1B$0.00$0.00 – $0.006

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.9×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.80%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+39.1%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+54.5%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellSep 16Dos Santos Bruno Constantino AlexandreDirector123.3K sh$2.4M

See when $XP insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3New insider — initial holdingsAug 73
AI summary

Gustavo Alejo Viviani, Chief Financial Officer of XP Inc., filed an initial Form 3 statement of beneficial ownership reporting 131 Class A common shares held indirectly as Brazilian Depository Receipts (BDRs). The event date is August 3, 2026. This is a standard initial disclosure required upon becoming a Section 16 reporting person at XP Inc.

3New insider — initial holdingsAug 73
AI summary

Jose Luiz Majolo, a Director of XP Inc., filed an initial Form 3 statement of beneficial ownership with an event date of May 29, 2026. The filing reports no securities of the issuer currently owned by the reporting person. This is a standard initial disclosure required upon becoming a Section 16 director.

SC 13D/AActivist amendmentJul 7SC 13D/A
AI summary

XP Control LLC, a Cayman Islands entity, filed Amendment No. 6 to its Schedule 13D for XP Inc., disclosing beneficial ownership of 96,797,602 Class A common shares representing approximately 18.7% of XP's outstanding common stock. The shares reflect converted Class B shares as of an event date of July 6, 2026. XP Control LLC remains one of the largest significant shareholders of XP Inc.

+ 14 other (10 6-Ks · 3 13Gs · 1 20-F) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

XP (NASDAQ:XP) Sets New 52-Week High – Still a Buy?defenseworld.net·5d agoXP Inc.A (XP) Soars 30.9%: Is Further Upside Left in the Stock?zacks.com·11d agoHere Are Tuesday’s Top Wall Street Analyst Research Calls: Borg Warner, Boyd Gaming, JetBlue, Lattice Semiconductor, Lockheed Martin, Nike, Northrop Grumman, Procter & Gamble, SPX Technologies, and More247wallst.com·11d agoXP (NASDAQ:XP) Reaches New 1-Year High – Here’s Whydefenseworld.net·12d agoTraders Buy Large Volume of XP Call Options (NASDAQ:XP)defenseworld.net·14d ago

In themes

Explore the broader themes this ticker is being talked about under.

Consumer Fintech & Neobanks

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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