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Market Closed -
Boerse Muenchen
23:44:16 19/08/2026 +03
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5-day change | 1st Jan Change | ||
| 14.03 EUR | +2.56% |
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+0.57% | -1.47% |
| 08-18 | XP Inc. Reports Earnings Results for the Second Quarter Ended June 30, 2026 | CI |
| 08-18 | XP Inc., Q2 2026 Earnings Call, Aug 17, 2026 |
Projected Income Statement: XP Inc.
| Fiscal Period: Dezember | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 12,077 | 13,348 | 14,860 | 17,078 | 18,412 | 20,127 | 22,415 | 25,087 |
| Change | - | 10.52% | 11.33% | 14.93% | 7.81% | 9.32% | 11.36% | 11.92% |
| EBITDA 1 | 4,190 | 4,065 | 4,732 | 5,971 | 6,272 | 6,541 | 7,744 | 8,710 |
| Change | - | -2.98% | 16.41% | 26.18% | 5.04% | 4.29% | 18.39% | 12.48% |
| EBIT 1 | 3,958 | 3,859 | 4,480 | 5,706 | 5,968 | 6,123 | 7,278 | 8,190 |
| Change | - | -2.5% | 16.09% | 27.37% | 4.59% | 2.6% | 18.86% | 12.52% |
| Interest Paid 1 | -136 | -402.3 | -617 | -780 | -625.4 | -391 | -415 | -333 |
| Earnings before Tax (EBT) 1 | 4,382 | 3,445 | 3,936 | 4,986 | 5,449 | 5,933 | 7,004 | 8,013 |
| Change | - | -21.38% | 14.25% | 26.68% | 9.29% | 8.89% | 18.05% | 14.4% |
| Net income 1 | 3,589 | 3,580 | 3,899 | 4,515 | 5,169 | 5,838 | 6,220 | 7,083 |
| Change | - | -0.26% | 8.91% | 15.8% | 14.49% | 12.94% | 6.55% | 13.86% |
| Announcement Date | 2/8/22 A | 2/16/23 A | 2/27/24 A | 2/18/25 A | 2/12/26 A | - | - | - |
Forecast Balance Sheet: XP Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net Debt 1 | 28,390 | 5,141 | 5,632 | 3,555 | -10,119 | -25,210 | -22,785 | -26,656 |
| Change | - | -81.89% | 9.55% | -36.88% | -384.64% | -149.14% | 9.62% | -16.99% |
| Announcement Date | 2/8/22 A | 2/16/23 A | 2/27/24 A | 2/18/25 A | 2/12/26 A | - | - | - |
Cash Flow Forecast: XP Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| CAPEX 1 | 353 | 127 | 196.2 | 330.2 | 489.6 | 649.7 | 680.1 | 756.8 |
| Change | - | -64.03% | 54.54% | 68.28% | 48.26% | 32.7% | 4.68% | 11.28% |
| Free Cash Flow (FCF) 1 | -4,373 | 1,677 | 7,931 | 10,849 | 11,836 | 12,938 | 14,773 | 12,697 |
| Change | - | 138.34% | 372.96% | 36.79% | 9.1% | 9.31% | 14.18% | -14.05% |
| Announcement Date | 2/8/22 A | 2/16/23 A | 2/27/24 A | 2/18/25 A | 2/12/26 A | - | - | - |
Forecast Financial Ratios: XP Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||
| EBITDA Margin (%) | 34.69% | 30.45% | 31.84% | 34.96% | 34.06% | 32.5% | 34.55% | 34.72% |
| EBIT Margin (%) | 32.77% | 28.91% | 30.15% | 33.41% | 32.41% | 30.42% | 32.47% | 32.65% |
| EBT Margin (%) | 36.28% | 25.81% | 26.49% | 29.2% | 29.59% | 29.48% | 31.25% | 31.94% |
| Net margin (%) | 29.72% | 26.82% | 26.24% | 26.44% | 28.07% | 29.01% | 27.75% | 28.23% |
| FCF margin (%) | -36.21% | 12.56% | 53.37% | 63.52% | 64.28% | 64.28% | 65.91% | 50.61% |
| FCF / Net Income (%) | -121.84% | 46.84% | 203.41% | 240.28% | 228.97% | 221.62% | 237.49% | 179.27% |
Profitability | ||||||||
| ROA | 3.05% | 2.16% | 2.5% | 1.51% | 1.39% | 1.3% | 1.27% | 1.26% |
| ROE | 28.36% | 22.76% | 21.4% | 23% | 23.72% | 22.75% | 22.76% | 22.87% |
Financial Health | ||||||||
| Leverage (Debt/EBITDA) | 6.78x | 1.26x | 1.19x | 0.6x | - | - | - | - |
| Debt / Free cash flow | -6.49x | 3.07x | 0.71x | 0.33x | - | - | - | - |
Capital Intensity | ||||||||
| CAPEX / Current Assets (%) | 2.92% | 0.95% | 1.32% | 1.93% | 2.66% | 3.23% | 3.03% | 3.02% |
| CAPEX / EBITDA (%) | 8.43% | 3.12% | 4.15% | 5.53% | 7.81% | 9.93% | 8.78% | 8.69% |
| CAPEX / FCF (%) | -8.07% | 7.57% | 2.47% | 3.04% | 4.14% | 5.02% | 4.6% | 5.96% |
Items per share | ||||||||
| Cash flow per share 1 | -7.01 | 3.148 | 14.93 | 20.39 | 22.64 | 30.72 | 0.5586 | 11.82 |
| Change | - | 144.91% | 374.38% | 36.52% | 11.05% | 35.68% | -98.18% | 2,016.28% |
| Dividend per Share 1 | - | - | 6.459 | 3.774 | - | 7.51 | 7.777 | 8.547 |
| Change | - | - | - | -41.57% | - | - | 3.55% | 9.91% |
| Book Value Per Share 1 | 25.77 | 30.67 | 35.46 | 37.13 | 43.71 | 49.7 | 56.23 | 63.5 |
| Change | - | 19.04% | 15.62% | 4.7% | 17.71% | 13.72% | 13.12% | 12.94% |
| EPS 1 | 6.259 | 6.25 | 7.16 | 8.231 | 9.719 | 10.69 | 12.1 | 13.27 |
| Change | - | -0.14% | 14.56% | 14.96% | 18.07% | 9.97% | 13.24% | 9.63% |
| Nbr of stocks (in thousands) | 559,549 | 560,294 | 548,083 | 537,004 | 528,220 | 507,483 | 507,483 | 507,483 |
| Announcement Date | 2/8/22 A | 2/16/23 A | 2/27/24 A | 2/18/25 A | 2/12/26 A | - | - | - |
| 2026 * | 2027 * | |
|---|---|---|
| P/E | 8x | 7.06x |
| PBR | 1.72x | 1.52x |
| EV / Sales | 0.9x | 0.92x |
| Yield | 8.78% | 9.1% |
EPS & Dividend
Y-o-Y evolution of P/E
Year-on-year evolution of the Yield
Trader
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Quarterly revenue - Rate of surprise
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