XP Inc. (XP) stock analysis

In our weekly check, XP Inc. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 3, red flags: 4.

Sector: Financial Services · Financial - Capital Markets

Strengths

• Easily covers interest
• Profits backed by cash
• High margins
• Strong free cash flow

Warning signs

• High debt
• Very volatile
• Low return on capital
• Margins falling
• Gross margin falling

Next earnings report: 2026-11-16

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FUTU · BMNR · CRCL · VIRT · TW · LPLA

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-10

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