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XPXP

XP Inc.

$XP·$10B·Financial - Capital Markets·Financial Services
$19.11-4.4%YTD+19.3%1Y+7.9%
Price updated 8m ago·X counts updated 2d ago
XPXP
$XPXP Inc.
$19.11-4.40%225 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.

225X posts · last 7 days
Aug 26Sep 7
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, louder than 69% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data8 posts analyzed · as of 2026-09-08

Chatter is entirely the Sui $XP + $BOOM Boom Bot NFT raffle and Xphere Vault Boosting Event distributing 160K $XP with a 3K USDT grant. Community engagement is high with public verifiable on-chain draws.

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
Free, forever. No credit card.

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 2026-09-08

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

Brazilian broker at 9x earnings with a 43% FCF yield — the emerging-market financial that keeps compounding.

XP Inc is Brazil's leading independent broker and wealth-management platform — the local Charles Schwab, effectively. The stock has been a de-rated compounder for years, and the underlying business keeps delivering while the multiple stays cheap.

Where the setup sits:

  • The economics are exceptional: 67% gross margin, 32% operating margin, and 43% free-cash-flow yield at 9x earnings — those are the ratios of a genuine platform business, priced as if Brazil-macro will always weigh on the multiple.
  • The tape is finally starting to work: 61% of the 52-week range, +18% above the 50-day, on above-average volume — moving alongside INTR (Nubank rival) and other Brazilian financials, which is what a Brazil-macro-tailwind cohort trade looks like.
  • The one caveat is leverage: debt-to-equity 3.7x is high, but manageable given the fee-based platform revenue structure — not a going-concern issue, just something to watch if rates or credit go the wrong way.

The trajectory holds while Brazilian financial-services inflows continue and the multiple has room to expand toward global-peer levels. A Brazilian-rate spike or a real-currency shock is the specific reset risk; continued platform inflows extend the trend.

Agrees with X sentimentAgree with the bull framing on the XP-INTR-Brazilian-financials cohort trade and the OTM call flow. The gaming-token $XP promotional thread is unrelated noise; the equity story stands on the fundamentals plus the cohort tailwind.

What to watch: Watch quarterly AUM inflows, Brazil-macro (rates and BRL), and platform revenue growth. A break above the 52-week high on volume confirms the leg; a Brazilian rate or currency shock is the reset.

brazilian platformhigh fcf yieldem financials cohort

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
Free, forever. No credit card.

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 — equity market strength keeps the IPO backlog open and sponsor exits accelerating, lifting advisory and trading revenue across traditional brokers (GS, MS, SCHW). The digital-asset cohort rides crypto volume as a concurrent but separate amplifier.

What this means for $XP

Direct beneficiary — Brazil's largest investment platform captures higher retail brokerage commission and fund management fees as improved equity sentiment drives inflows and trading activity.

Top industry ETF

$IAIiShares U.S. Broker-Dealers & Securities Exchanges ETF
+7.4%YTD
+11.2%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.1.4×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.62%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.+18.1%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.+10.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 412.9M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.6% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.105-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

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.

3/ANew insider — initial holdingsMar 183/A
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
+ 24 other (10 6-Ks · 10 3s · 3 13Gs · 1 20-F) in window

Recent news

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

Here Are Monday’s Top Wall Street Analyst Research Calls: AGCO Corporation, Deere & Co., Edison International, Lumentum Holdings, PG&E, Sempra Energy, STAG Industrial, Ticketplus, and More247wallst.com·9d agoWall Street Analysts Think XP Inc.A (XP) Could Surge 39.2%: Read This Before Placing a Betzacks.com·16d agoXP or BX: Which Is the Better Value Stock Right Now?zacks.com·21d agoAre Investors Undervaluing XP (XP) Right Now?zacks.com·21d agoXP Inc. Q2: Better, But Not Way Better (Upgrade)seekingalpha.com·23d 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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