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XPXPFinancial Services · Capital Markets

XP Stock Forecast: XP, Inc. Price Predictions for 2026-2027

Last close, 11 Sept 2026
$20
−0.55% on the day

The 6 Wall Street analysts covering XP, Inc. hold a median 12-month price target of $23 — +17.7% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 71 of 100 as at 12 Sept 2026 — in the upper half. Here, the model and the Street point the same way.

Market cap
$10.1B
Ticker Nerd rank
71 / 100
Median analyst target
$23
Analysts covering
6
Free cash flow−$1.3B
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
−0.7%
1M
+28.0%
YTD
+22.7%
1Y
+7.3%
From 52W high
−12.5%
From 52W low
+32.9%
$15
$23
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

XP stock analysis: one number for the whole business

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.

Where the model ranks itAs at 12 Sept 2026
71 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Value
92
Growth
90
Volatility
75
Quality
70
Issuance
69
Revisions
67
Momentum
49
Accruals
17
Size
15

Value (92): 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.

Size (15): Larger than most of the companies we track — more scrutinised, less often mispriced.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

XP stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on XP, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$14$16$18$20$22$24$26Oct 25Jan 26Apr 26Jul 26XPHigh $26Median $23Low $20

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

What Wall Street says6 analysts
5 Buy1 Hold0 Sell
Low $20Median $23High $26

The green dot is the last close — the median target sits +17.7% from it.

Recent analyst actionsNewest first
DateFirmActionRatingTarget
31 Aug 2026Itau BBAUpgradeOutperform$22
3 June 2026UBSMaintainsBuy$28 → $25
3 June 2026UBSMaintainsBuy—
2 Apr 2026UBSMaintainsBuy—
20 Jan 2026JefferiesInitiatesBuy—
16 Dec 2025UBSMaintainsBuy—
16 Oct 2025UBSMaintainsBuy—
24 Sept 2025CitigroupMaintainsBuy—
10 June 2025UBSMaintainsBuy—
4 June 2025Goldman SachsUpgradeBuy—
21 May 2025B of A SecuritiesMaintainsNeutral—
21 May 2025Goldman SachsMaintainsNeutral—
13 May 2025Morgan StanleyUpgradeOverweight—
7 Apr 2025UBSMaintainsBuy—
27 Jan 2025Goldman SachsMaintainsNeutral—
24 Jan 2025UBSUpgradeBuy—
10 Dec 2024B of A SecuritiesDowngradeNeutral—
26 Nov 2024Morgan StanleyMaintainsEqual-Weight—
16 Oct 2024JP MorganMaintainsOverweight—
30 July 2024Goldman SachsMaintainsNeutral—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. XP appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Performance

XP vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 11 Sept 2026, XP, Inc. returned +7.3% against +17.5% for the S&P 500, dividends included.

XP vs S&P 500, last 12 monthsTotal return, rebased to 100
8090100110120Oct 25Jan 26Apr 26Jul 26XPS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

XP analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
−0.9%
Analysts raising
1
Analysts cutting
2
Fundamentals

XP, Inc. (XP) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
10.0×

Cheaper than 59% of US stocks

Price / sales
0.5×

Cheaper than 81% of US stocks

Price / book
2.2×

Cheaper than 43% of US stocks

EV / EBITDA
5.7×

Cheaper than 52% of US stocks

Growth & margins
Revenue growth (YoY)
10.6%

Higher than 54% of US stocks

Earnings growth (YoY)
5.5%

Higher than 42% of US stocks

Gross margin
23.4%

Higher than 25% of US stocks

Operating margin
31.2%

Higher than 88% of US stocks

Net margin
28.5%

Higher than 88% of US stocks

Returns & dividend
Return on equity
22.6%

Higher than 83% of US stocks

Return on assets
1.4%

Higher than 54% of US stocks

Dividend yield
4.0%

Higher than 76% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

XP, Inc. (XP) statistics: revenue, profit & scale

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 $10.1B and an enterprise value of −$23.0B.

  • 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.

  • Shares outstanding: 507.5M.

  • Trailing P/E: 10.0×; forward P/E: 8.3× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 4.03%, paying out 20% of earnings.

  • XP, Inc. employs 6,834 people.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 13 Sept 2026

Data provided by Twelve Data

Peers

XP vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelCapital Markets
CompanyMarket capTKN rank
XPXP, Inc.$10.1B
71
HLIHoulihan Lokey, Inc.$9.5B
38
EVREvercore, Inc.$11.1B
70
VIRTVirtu Financial, Inc.$9.3B
85
JEFJefferies Financial Group, Inc.$12.0B
59
HUTHut 8 Corp.$12.2B
16
SFStifel Financial Corp.$12.3B
90

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 →

News

Latest XP news & analysis

Wall Street Analysts Think XP Inc.A (XP) Could Surge 39.2%: Read This Before Placing a Bet

Zacks Investment Research · 24 Aug 2026positive

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.

XP or BX: Which Is the Better Value Stock Right Now?

Zacks Investment Research · 19 Aug 2026neutral

Zacks Investment Research published a comparison of XP Inc. and Blackstone Inc., both in the Financial - Miscellaneous Services sector, examining which stock is more attractive to value investors.

Why it matters — The article positions XP within a value-investing comparison against a major peer, which is relevant for investors tracking XP's relative valuation.

Are Investors Undervaluing XP (XP) Right Now?

Zacks Investment Research · 19 Aug 2026neutral

Zacks Investment Research published an article asking whether investors are undervaluing XP (XP), noting that its focus is on the Zacks Rank system, which emphasizes earnings estimates and estimate revisions, while also tracking value, growth, and momentum trends.

Why it matters — XP watchers would care because the article evaluates whether the stock is undervalued based on earnings estimate and valuation trends.

XP Inc. Q2: Better, But Not Way Better (Upgrade)

Seeking Alpha · 18 Aug 2026positive

XP Inc. reported a solid second quarter with 8% revenue growth and 15% EBT growth, maintaining a 22.5% ROE. The company is expanding fee-based services to 26% of customers and accelerating net new money inflows, especially from retail, while facing persistent competition and macroeconomic risks.

Why it matters — An XP watcher would care because the report highlights tangible progress in profitability, ecosystem expansion, and client inflows against ongoing competitive and macro headwinds that shape the company's outlook.

XP Inc. (XP) Q2 2026 Earnings Call Transcript

Seeking Alpha · 18 Aug 2026neutral

XP Inc. held its Q2 2026 earnings call, the transcript of which was published by Seeking Alpha. The call covered the company's second-quarter 2026 financial results and management commentary.

Why it matters — An XP watcher would care because the earnings call transcript provides direct insight into the company's quarterly performance and management's outlook.

FAQ

Frequently asked questions about XP stock

What is the XP stock price forecast for 2026-2027?

The 6 Wall Street analysts covering XP, Inc. have a median 12-month price target of $23, with estimates ranging from $20 to $26. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is XP stock a buy right now?

Of the 6 analysts covering XP, Inc., 5 rate it a Buy, 1 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks XP, Inc. 71 out of 100 across roughly 4,600 US stocks as at 12 Sept 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank XP?

As at 12 Sept 2026, XP, Inc. ranks 71 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 (92 of 100).

Will XP stock go up?

No one can know that. What the data says: the median 12-month target from 6 analysts implies +17.7% from the last close, and Ticker Nerd's factor model ranks XP, Inc. 71 out of 100 as at 12 Sept 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the XP stock forecast for 2030?

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: $20 to $26 over the next 12 months.

How has XP stock performed over the past year?

XP, Inc. returned +7.3% over the 12 months to 11 Sept 2026, with dividends reinvested. Past performance does not indicate future returns.

What does XP, Inc. do?

XP Inc. Class A Common Stock represents ownership in XP Inc., a technology-driven financial services company focused on Brazil.

What is the latest news on XP?

The most recent item we track (Zacks Investment Research, 24 Aug 2026): "Wall Street Analysts Think XP Inc.A (XP) Could Surge 39.2%: Read This Before Placing a Bet". 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.

Company

About XP, Inc.

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 Maffra · 6,834 employees · Cayman Islands · https://www.xpinc.com