XPFinancial Services · Capital MarketsThe 13 Wall Street analysts covering XP, Inc. hold a median 12-month price target of $22 — +42.4% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 81 of 100 as at 3 Nov 2026 — inside the top quartile. Here, the model and the Street point the same way.
Consensus tells you what everyone already believes. The model scores XP, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Value (94): The shares cost little relative to the profits and assets behind them — which can mean the market is too gloomy, or that the business really is in trouble.
Accruals (17): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.
Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.
The bullish and bearish analyst opinions on XP, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
The green dot is the last close — the median target sits +42.4% from it.
Of the 20 most recent actions, 3 moved their price target up and 2 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 27 Oct 2026 | Citigroup | Downgrade | Neutral | $25 → $15 |
| 8 Oct 2026 | UBS | Maintains | Buy | $25 → $37 |
| 8 Oct 2026 | UBS | Maintains | Buy | — |
| 6 Oct 2026 | Itau BBA | Upgrade | Outperform | $27 |
| 6 Oct 2026 | Itau BBA | Upgrade | Outperform | — |
| 6 Oct 2026 | JP Morgan | Maintains | Overweight | $26 → $38 |
| 6 Oct 2026 | JP Morgan | Maintains | Overweight | — |
| 29 Sept 2026 | Citigroup | Maintains | Buy | — |
| 29 Sept 2026 | Citigroup | Maintains | Buy | $23 → $25 |
| 31 Aug 2026 | Itau BBA | Upgrade | Outperform | $22 |
| 31 Aug 2026 | Itau BBA | Upgrade | Outperform | — |
| 3 June 2026 | UBS | Maintains | Buy | $28 → $25 |
| 3 June 2026 | UBS | Maintains | Buy | — |
| 2 Apr 2026 | UBS | Maintains | Buy | — |
| 20 Jan 2026 | Jefferies | Initiates | Buy | — |
| 16 Dec 2025 | UBS | Maintains | Buy | — |
| 16 Oct 2025 | UBS | Maintains | Buy | — |
| 24 Sept 2025 | Citigroup | Maintains | Buy | — |
| 10 June 2025 | UBS | Maintains | Buy | — |
| 4 June 2025 | Goldman Sachs | Upgrade | Buy | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
XP appears in the Radar on the weeks it earns a place.
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Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 4 Nov 2026, XP, Inc. returned −14.4% against +12.9% for the S&P 500, dividends included.
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Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 62% of US stocks
Cheaper than 85% of US stocks
Cheaper than 52% of US stocks
Cheaper than 52% of US stocks
Higher than 54% of US stocks
Higher than 43% of US stocks
Higher than 25% of US stocks
Higher than 88% of US stocks
Higher than 88% of US stocks
Higher than 83% of US stocks
Higher than 54% of US stocks
Higher than 94% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
XP, Inc. has a market value of $7.4B and an enterprise value of −$22.2B.
Free cash flow in the twelve months to 30 June 2026: $12.8B.
XP, Inc. spent $2.0B on share buybacks in the twelve months to 30 June 2026.
Trailing P/E: 7.6×; forward P/E: 5.9× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 5.50%, paying out 20% of earnings.
XP, Inc. employs 6,834 people.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own XP, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →
MarketWatch highlighted 11 stocks it described as bargain-priced, citing low price/earnings valuations and projections for very high revenue growth through 2028. The supplied excerpt does not identify whether XP is among them.
Why it matters — XP watchers may want to check the full article to see whether XP is included in the group of stocks discussed.
Shares of Brazilian companies, including XP and AmBev, slumped after leftist President Lula’s surprise victory in Sunday’s runoff election. The headline describes Brazil’s path forward as unworkable after the election result.
Why it matters — The reported slump in XP shares makes the election’s market reaction relevant to investors following the company.
XP Inc. shares rose 30.9% in the prior session on higher-than-average trading volume. The excerpt notes that the latest trend in earnings estimate revisions may not support further near-term gains.
Why it matters — XP watchers may note both the sharp move and the caution that earnings estimate revisions could weigh on continued momentum.
Investors Business Daily published a list of five top-performing stocks to buy now or place on a watchlist, emphasising the difficulty of choosing the right stock without a solid strategy. The article highlights these five stocks as current buying or monitoring candidates.
Why it matters — XP watchers may care whether XP Inc. appears among the stocks featured in the list, as inclusion could signal positive recognition within the investing community.
Zacks reports that the mean of analysts' price targets for XP Inc. suggests 39.2% upside in the stock, while noting that this metric has not proven particularly reliable. Strong agreement among analysts in raising earnings estimates, however, does indicate upside for the company.
Why it matters — XP watchers would care because analyst price targets and earnings-estimate revisions are signals that could point to upside for the stock.
The 13 Wall Street analysts covering XP, Inc. have a median 12-month price target of $22, with estimates ranging from $15 to $36. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 13 analysts covering XP, Inc., 9 rate it a Buy, 4 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks XP, Inc. 81 out of 100 across roughly 4,600 US stocks as at 3 Nov 2026. None of this is personal advice — it does not consider your circumstances.
As at 3 Nov 2026, XP, Inc. ranks 81 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Value (94 of 100).
No one can know that. What the data says: the median 12-month target from 13 analysts implies +42.4% from the last close, and Ticker Nerd's factor model ranks XP, Inc. 81 out of 100 as at 3 Nov 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
No analyst covering XP, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for XP are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $15 to $36 over the next 12 months.
XP, Inc. returned -14.4% over the 12 months to 4 Nov 2026, with dividends reinvested. Past performance does not indicate future returns.
XP Inc. Class A Common Stock represents ownership in XP Inc., a technology-driven financial services company focused on Brazil.
The most recent item we track (Market Watch, 28 Oct 2026): "11 bargain-priced stocks of companies that have huge growth potential over the next two years". MarketWatch highlighted 11 stocks it described as bargain-priced, citing low price/earnings valuations and projections for very high revenue growth through 2028. The supplied excerpt does not identify whether XP is among them.
XP Inc. Class A Common Stock represents ownership in XP Inc., a technology-driven financial services company focused on Brazil. XP Inc. provides an open investment platform that gives clients access to brokerage services, fixed income products, mutual funds, hedge funds, private equity, derivatives, structured products, insurance, pension offerings, credit cards, loans, and wealth management services. The company also serves retail, high-net-worth, corporate, and institutional clients through financial advisory services and capital markets solutions. Its business is centered on broad financial distribution and product access, making it a significant participant in Brazil’s investment and financial services market. XP Inc. is headquartered in São Paulo, Brazil, and operates as a diversified platform across investing, advisory, lending, and insurance-related services.
CEO Mr. Thiago Simoes Maffra · 6,834 employees · Cayman Islands · https://www.xpinc.com
