GROWTH
Top line stable.
+3.6% YoY versus +5.2% prior. 3y CAGR +7.5%.
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All analysis on this page is for educational purposes only and does not constitute financial advice. Fair values are model-based estimates. Always do your own research.
Bottom line: XP is rated BUY by all 2 legendary models, 28% below avg fair value $22, but earns a B sector grade (62/100) in Financial Services. Whether the premium is justified depends on which lens you trust. Drill into the valuation breakdown and sector ranking for the full picture.
The Question
1 of 2 legendary models say BUY XP — but Warren Buffett disagrees.
What would legendary investors pay for XP?
These figures are not quotes or opinions from Buffett, Graham, Lynch or the other investors. They are our own estimates, computed by applying the intrinsic-value formulas each investor is known for to this company’s financials.
For educational purposes only. Not a recommendation to buy or sell securities.
Mixed — XP Inc. has 20.5% ROE but D/E 15.76.
Financial story
Mixed — XP Inc.'s 20.5% ROE is strong, but its 15.76 debt-to-equity is elevated.
How does XP compare?
See exactly where XP ranks
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Sign in to see the rankingXP sits at #10 in Financial Services with a B grade (62/100).
1 of 2 legendary investor models rate XP a BUY. Fair value estimates and full investor breakdown are in the valuation tab.
Average fair value across qualifying models: $22. See the per-investor fair-value table in the valuation tab.
XP trades at 9.2x earnings. Sector context and per-investor signals are in the valuation tab.
XP and KNSL differ on P/E, ROE, and revenue growth. See the full XP vs KNSL compare matrix.
Buffett and Lynch evaluate XP against their respective frameworks. Per-model fair value and reasoning are in the valuation tab.
XP's P/E ratio is 9.2x. 5-year P/E history is in the financials tab.
P/E 8.4x — 29% below the 5y median of 11.9x.