XP
XP Inc.Financial Services · $10.6B market cap
Verdict
Share price
$21.50
close of Oct 3, 2026
Fair value
$37.98
Sticker Price
Payback Price
$15.19
buy price
XP is Undervalued: at $21.50 it trades 43% below its fair value of $37.98. Its buy price (Payback Price) is $15.19, 29% below today's price. Business quality is strong: 4 of 5 key numbers clear the 10% bar.
How we valued it
Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.
Business quality
4 of 5 clear the 10% bar. What are the Big Five?
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About XP Inc.
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…
Financial - Capital Markets
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works