Nama's AI scorecard currently rates XP Hold (5.5 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is XP's P/E ratio?

XP trades at a trailing price-to-earnings ratio of 8.1.

When does XP report earnings?

XP's next scheduled report is on Nov 16, 2026. Analysts expect EPS of $0.51.

What is the XP price target?

The median analyst price target from 13 analysts is $21.58, with a range of $14.88 – $36.00.

Is XP Shariah compliant?

Nama's AAOIFI-style screen reads XP as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Does XP pay a dividend?

Yes — XP's dividend yield is 1.3%.

Nama Insights

XP (XP)

Financial Services · Capital Markets · NASDAQ

XP (XP) is a Financial Services company in the Capital Markets industry. It has a market capitalization of $7.68B and a trailing price-to-earnings ratio of 8.1. Over the most recent reported fiscal year, revenue grew 7.3%. Nama's AI scorecard rates it Hold, 5.5 out of 10. On 12-month momentum it ranks in the rising band of its market.

AI scorecard

Hold · 5.5/10

The sections balance. As of Nov 7, 2026.

Momentum

Rising · +58.4% over 12 months ex. last

Second-best fifth of its market on the past year's move.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-58.4%

How far the last close sits under the highest price of the past five years.

Market cap	$7.68B
Trailing P/E	8.1
Price / book	1.7
Price / sales	2.2
FCF yield	—
Dividend yield	1.3%
Gross margin	27.6%
Operating margin	-55.6%
Net margin	63.1%
Revenue growth (YoY)	+7.3%
Revenue growth (3-yr annual)	+10.3%
EPS growth (YoY)	+18.0%
FCF/share growth (YoY)	—
Beta	1.0
Exchange	NASDAQ
Sector	Financial Services
Industry	Capital Markets

XP earnings

Next report: Nov 16, 2026 (Q3 2026, EPS estimate $0.51). Beat the EPS estimate in 3 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q2 2026	Aug 16, 2026	$0.49	$0.48	+1.9%	$361.86M
Q1 2026	May 18, 2026	$0.46	$0.47	-1.6%	$355.15M
Q4 2025	Feb 12, 2026	$0.47	$0.46	+2.4%	$446.98M
Q3 2025	Nov 17, 2025	$0.45	$0.44	+2.1%	$384.23M

XP analyst price target

Median target $21.58 from 13 analysts, ranging $14.88 – $36.00.

Capital Markets peers

Ticker	Company	Market cap	P/E
MS	Morgan Stanley	$283.95B	14.4
GS	Goldman Sachs Group	$249.73B	12.4
SCHW	Charles Schwab	$158.22B	14.9
IBKR	Interactive Brokers Group	$129.18B	29.1
HOOD	Robinhood Markets	$72.86B	34.7
TW	Tradeweb Markets	$27.59B	32.4
NMR	Nomura	$27.53B	10.7
LPLA	LPL Financial	$23.01B	13.1

Explore live XP data on Nama Insights →

Recent Congressional trades

XP trades disclosed by members of the US House and Senate under the STOCK Act. See the full Congress trades board →

Member	Chamber	Trade	Amount	Disclosed
Josh Gottheimer	House	Sell	$1,001 - $15,000	Jul 9, 2024

XP FAQ

Is XP a buy?: Nama's AI scorecard currently rates XP Hold (5.5 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is XP's P/E ratio?: XP trades at a trailing price-to-earnings ratio of 8.1.
When does XP report earnings?: XP's next scheduled report is on Nov 16, 2026. Analysts expect EPS of $0.51.
What is the XP price target?: The median analyst price target from 13 analysts is $21.58, with a range of $14.88 – $36.00.
Is XP Shariah compliant?: Nama's AAOIFI-style screen reads XP as Not Shariah Compliant. At least one of the three ratios or the industry test failed.
Does XP pay a dividend?: Yes — XP's dividend yield is 1.3%.