- Assessing XP (NasdaqGS:XP) Valuation After Recent Share Price Volatility
May 15, 2026
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XP stock performance snapshot
XP (NasdaqGS:XP) has drawn fresh attention after recent price moves, with the stock closing at $17.60 and showing mixed returns over the past week, month, past 3 months and year to date.
See our latest analysis for XP.
Recent trading has been choppy, with the 1 day share price return of 1.79% coming after the stock fell 17.14% over 30 days. The 3 year total shareholder return of 20.18% contrasts with a 5 year total shareholder return that is down 52.63%, suggesting shorter term momentum is soft against a mixed longer term record.
If XP's swings have you thinking about diversification, this could be a good moment to see what else is moving and check out 19 top founder-led companies
With XP trading at $17.60 and data pointing to both an intrinsic discount and a gap to analyst targets, the key question is whether you are looking at a genuine value opportunity or a stock where the market already prices in future growth.
Most Popular Narrative: 30.1% Undervalued
XP's most followed valuation narrative points to a fair value of $25.20 versus the last close at $17.60, which frames the current price as meaningfully below that central estimate.
XP's continued diversification of its product suite including early stage growth in insurance, retirement, cards, FX, global investments, and the newly launched consortium business enables deeper client cross sell and higher revenue per customer, pointing to meaningful top line expansion and improved earnings resiliency.
Read the complete narrative.
Want to see what is baked into that $25.20 fair value tag? The narrative leans heavily on revenue expansion, margin resilience and a future earnings multiple that is not especially aggressive on sector standards.
Result: Fair Value of $25.20 (UNDERVALUED)
Have a read of the narrative in full and understand what's behind the forecasts.
However, the story can change quickly if competition squeezes fees harder than expected or if regulatory shifts curb product demand and client activity.
Find out about the key risks to this XP narrative.
Next Steps
If this mix of upside potential and risk feels finely balanced, do not wait on others to decide for you. Instead, take a closer look at the 5 key rewards
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Story Continues
This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
Companies discussed in this article include XP.
Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com
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- XP Inc.A (XP) Upgraded to Buy: What Does It Mean for the Stock?
May 14, 2026
XP Inc.A (XP) could be a solid addition to your portfolio given its recent upgrade to a Zacks Rank #2 (Buy). This upgrade is essentially a reflection of an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.
The Zacks rating relies solely on a company's changing earnings picture. It tracks EPS estimates for the current and following years from the sell-side analysts covering the stock through a consensus measure -- the Zacks Consensus Estimate.
Individual investors often find it hard to make decisions based on rating upgrades by Wall Street analysts, since these are mostly driven by subjective factors that are hard to see and measure in real time. In these situations, the Zacks rating system comes in handy because of the power of a changing earnings picture in determining near-term stock price movements.
As such, the Zacks rating upgrade for XP Inc.A is essentially a positive comment on its earnings outlook that could have a favorable impact on its stock price.
Most Powerful Force Impacting Stock Prices
The change in a company's future earnings potential, as reflected in earnings estimate revisions, has proven to be strongly correlated with the near-term price movement of its stock. That's partly because of the influence of institutional investors that use earnings and earnings estimates for calculating the fair value of a company's shares. An increase or decrease in earnings estimates in their valuation models simply results in higher or lower fair value for a stock, and institutional investors typically buy or sell it. Their transaction of large amounts of shares then leads to price movement for the stock.
Fundamentally speaking, rising earnings estimates and the consequent rating upgrade for XP Inc.A imply an improvement in the company's underlying business. Investors should show their appreciation for this improving business trend by pushing the stock higher.
Harnessing the Power of Earnings Estimate Revisions
As empirical research shows a strong correlation between trends in earnings estimate revisions and near-term stock movements, tracking such revisions for making an investment decision could be truly rewarding. Here is where the tried-and-tested Zacks Rank stock-rating system plays an important role, as it effectively harnesses the power of earnings estimate revisions.
The Zacks Rank stock-rating system, which uses four factors related to earnings estimates to classify stocks into five groups, ranging from Zacks Rank #1 (Strong Buy) to Zacks Rank #5 (Strong Sell), has an impressive externally-audited track record, with Zacks Rank #1 stocks generating an average annual return of +25% since 1988. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here >>>> .
Story Continues
Earnings Estimate Revisions for XP Inc.A
For the fiscal year ending December 2026, this company is expected to earn $2.06 per share, which is unchanged compared with the year-ago reported number.
Analysts have been steadily raising their estimates for XP Inc.A. Over the past three months, the Zacks Consensus Estimate for the company has increased 6.7%.
Bottom Line
Unlike the overly optimistic Wall Street analysts whose rating systems tend to be weighted toward favorable recommendations, the Zacks rating system maintains an equal proportion of "buy" and "sell" ratings for its entire universe of more than 4,000 stocks at any point in time. Irrespective of market conditions, only the top 5% of the Zacks-covered stocks get a "Strong Buy" rating and the next 15% get a "Buy" rating. So, the placement of a stock in the top 20% of the Zacks-covered stocks indicates its superior earnings estimate revision feature, making it a solid candidate for producing market-beating returns in the near term.
You can learn more about the Zacks Rank here >>>
The upgrade of XP Inc.A to a Zacks Rank #2 positions it in the top 20% of the Zacks-covered stocks in terms of estimate revisions, implying that the stock might move higher in the near term.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
XP Inc. (XP) : Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
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- XP or GBOOY: Which Is the Better Value Stock Right Now?
May 14, 2026
Investors interested in Financial - Miscellaneous Services stocks are likely familiar with XP Inc.A (XP) and Grupo Financiero Banorte SAB de CV (GBOOY). But which of these two companies is the best option for those looking for undervalued stocks? Let's take a closer look.
The best way to find great value stocks is to pair a strong Zacks Rank with an impressive grade in the Value category of our Style Scores system. The Zacks Rank favors stocks with strong earnings estimate revision trends, and our Style Scores highlight companies with specific traits.
XP Inc.A has a Zacks Rank of #2 (Buy), while Grupo Financiero Banorte SAB de CV has a Zacks Rank of #3 (Hold) right now. This means that XP's earnings estimate revision activity has been more impressive, so investors should feel comfortable with its improving analyst outlook. But this is just one factor that value investors are interested in.
Value investors also try to analyze a wide range of traditional figures and metrics to help determine whether a company is undervalued at its current share price levels.
The Style Score Value grade factors in a variety of key fundamental metrics, including the popular P/E ratio, P/S ratio, earnings yield, cash flow per share, and a number of other key stats that are commonly used by value investors.
XP currently has a forward P/E ratio of 8.41, while GBOOY has a forward P/E of 8.66. We also note that XP has a PEG ratio of 0.55. This popular metric is similar to the widely-known P/E ratio, with the difference being that the PEG ratio also takes into account the company's expected earnings growth rate. GBOOY currently has a PEG ratio of 1.05.
Another notable valuation metric for XP is its P/B ratio of 2.2. The P/B ratio is used to compare a stock's market value with its book value, which is defined as total assets minus total liabilities. For comparison, GBOOY has a P/B of 2.25.
Based on these metrics and many more, XP holds a Value grade of A, while GBOOY has a Value grade of C.
XP sticks out from GBOOY in both our Zacks Rank and Style Scores models, so value investors will likely feel that XP is the better option right now.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
XP Inc. (XP) : Free Stock Analysis Report
Grupo Financiero Banorte SAB de CV (GBOOY) : Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
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- Should Value Investors Buy XP (XP) Stock?
May 14, 2026
Here at Zacks, we focus on our proven ranking system, which places an emphasis on earnings estimates and estimate revisions, to find winning stocks. But we also understand that investors develop their own strategies, so we are constantly looking at the latest trends in value, growth, and momentum to find strong companies for our readers.
Of these, value investing is easily one of the most popular ways to find great stocks in any market environment. Value investors use tried-and-true metrics and fundamental analysis to find companies that they believe are undervalued at their current share price levels.
In addition to the Zacks Rank, investors looking for stocks with specific traits can utilize our Style Scores system. Of course, value investors will be most interested in the system's "Value" category. Stocks with "A" grades for Value and high Zacks Ranks are among the best value stocks available at any given moment.
One company to watch right now is XP (XP). XP is currently sporting a Zacks Rank #2 (Buy) and an A for Value.
Another notable valuation metric for XP is its P/B ratio of 2.7. The P/B ratio is used to compare a stock's market value with its book value, which is defined as total assets minus total liabilities. This stock's P/B looks attractive against its industry's average P/B of 3.12. Over the past 12 months, XP's P/B has been as high as 3.08 and as low as 1.60, with a median of 2.34.
Finally, investors should note that XP has a P/CF ratio of 11.68. This figure highlights a company's operating cash flow and can be used to find firms that are undervalued when considering their impressive cash outlook. This stock's P/CF looks attractive against its industry's average P/CF of 17.69. Over the past 52 weeks, XP's P/CF has been as high as 12.54 and as low as 6.71, with a median of 9.85.
These figures are just a handful of the metrics value investors tend to look at, but they help show that XP is likely being undervalued right now. Considering this, as well as the strength of its earnings outlook, XP feels like a great value stock at the moment.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
XP Inc. (XP) : Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
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- XP Inc.A (XP) Upgraded to Buy: What Does It Mean for the Stock?
May 14, 2026 · zacks.com
XP Inc.A (XP) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
- XP or GBOOY: Which Is the Better Value Stock Right Now?
May 14, 2026 · zacks.com
Investors interested in Financial - Miscellaneous Services stocks are likely familiar with XP Inc.A (XP) and Grupo Financiero Banorte SAB de CV (GBOOY). But which of these two companies is the best option for those looking for undervalued stocks?
- Should Value Investors Buy XP (XP) Stock?
May 14, 2026 · zacks.com
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
- Valor Econômico to Host Brazil-USA Summit in New York, Presented by XP Inc.
May 12, 2026
Event Held as XP Celebrates 25 Years of Transforming Brazil's Investment Landscape
NEW YORK, May 12, 2026 /PRNewswire/ -- XP Inc. (Nasdaq: XP), a leading financial services platform, will serve as presenting sponsor of Valor Econômico's third edition of the "Brazil–USA Summit" on May 13, 2026, at The St. Regis Hotel. The event brings together political, business and institutional leaders to discuss key issues shaping the relationship between Brazil and the United States.
Held during New York's Brazil Week, the summit serves as a platform for dialogue between decision-makers from both countries, fostering scenario analysis, strategic debate and institutional connections around the opportunities and challenges shaping bilateral economic relations.
Confirmed speakers include Eduardo Leite, Governor of the State of Rio Grande do Sul; Bernie Moreno, U.S. Senator (R-Ohio); Pablo Goldberg, Head of Research at BlackRock; Alexandre Bettamio, Chair of Investment Banking at Bank of America; José Berenguer, CEO of Banco XP; and Guilherme Benchimol, Founder and Chairman of the Board of XP Inc.
The Summit takes place as XP marks its 25th anniversary, reflecting the company's evolution from an early disruptor focused on democratizing access to investments into one of Brazil's leading financial platforms. After helping expand investment opportunities for millions of Brazilians over the past two and a half decades, XP is now entering a new phase focused on strengthening client relationships, advancing financial education and continuing to shape the evolution of Brazil's investment industry.
As part of this long-term vision, XP continues to invest in service excellence, personalization at scale and the expansion of its international footprint. In line with this strategy, the company is strengthening connections between Brazilian and global capital markets through initiatives such as its new Miami office and forums that bring together investors, policymakers and business leaders from both countries.
For more on the Summit, visit: Brazil–USA Summit
About XP Inc.
XP Inc. is a leading financial services platform in Brazil. XP Inc. serves more than 4.7 million clients and manages BRL 1.8 trillion in assets. The company has helped transform Brazil's financial market through its network of investment advisors, with more than 18,200 professionals. For more information, visitXP Inc.
Media Contact:
Eduardo Barker
QB & Company
eb@qbco.ioCision
View original content:https://www.prnewswire.com/news-releases/valor-economico-to-host-brazilusa-summit-in-new-york-presented-by-xp-inc-302769052.html
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- Valor Econômico to Host Brazil-USA Summit in New York, Presented by XP Inc.
May 12, 2026 · prnewswire.com
Event Held as XP Celebrates 25 Years of Transforming Brazil's Investment Landscape NEW YORK, May 12, 2026 /PRNewswire/ -- XP Inc. (Nasdaq: XP), a leading financial services platform, will serve as presenting sponsor of Valor Econômico's third edition of the "Brazil–USA Summit" on May 13, 2026, at The St. Regis Hotel. The event brings together political, business and institutional leaders to discuss key issues shaping the relationship between Brazil and the United States.
- VALOR ECONÔMICO TO HOST BRAZIL-USA SUMMIT IN NEW YORK, PRESENTED BY XP INC.
May 12, 2026
EVENT HELD AS XP CELEBRATES 25 YEARS OF TRANSFORMING BRAZIL'S INVESTMENT LANDSCAPE NEW YORK, MAY 12, 2026 /PRNEWSWIRE/ -- XP INC. (NASDAQ: XP), A LEADING FINANCIAL SERVICES PLATFORM, WILL SERVE AS PRESENTING SPONSOR OF VALOR ECONÔMICO'S THIRD EDITION OF THE "BRAZIL–USA SUMMIT" ON MAY 13, 2026, AT THE ST. REGIS HOTEL. THE EVENT BRINGS TOGETHER POLITICAL, BUSINESS AND INSTITUTIONAL LEADERS TO DISCUSS KEY ISSUES SHAPING THE RELATIONSHIP BETWEEN BRAZIL AND THE UNITED STATES.
