WallStSmart
XP

Xp Inc

NASDAQ: XP · FINANCIAL SERVICES · CAPITAL MARKETS

$19.17
-1.92% today

Updated 2026-06-05

Market cap
$8.08B
P/E ratio
7.94
P/S ratio
0.45x
EPS (TTM)
$1.97
Dividend yield
1.28%
52W range
$15 – $23
Volume
5.5M

Xp Inc (XP) Stock Valuation Analysis

Fair value estimate, historical valuation range, and quality signals for XP.

WallStSmart Verdict
Fairly
Valued

Valuation reasonably reflects current fundamentals. Limited margin of safety at these levels.

Smart Value Score: 70 / 100
P/E (TTM)
7.9x
vs 5Y median of 11.3x
PEG
Margin of Safety
DCF limited for this profile
EV / EBITDA
13.0x

XP historical valuation range

Where current P/E sits in XP's own 5Y range.

NOW
7.9x
5Y Low
9.6x
25th
11.3x
Median
17.1x
75th
43.8x
5Y High
XP is trading cheaper than 97% of the last 5Y.
3th percentile · Historically cheap

XP intrinsic value (DCF)

DCF-based fair value estimate vs current market price.

DCF has limited applicability for XP

Standard discounted cash flow models produce unreliable output for unprofitable or near-breakeven companies. Revenue-based multiples such as P/S and EV/Sales, combined with the historical valuation position above, give a more reliable read for this stock.

Intrinsic value calculated using discounted cash flow (DCF) model based on projected free cash flows, discount rate, and terminal growth assumptions. A positive margin of safety indicates the current price is below estimated fair value, providing a cushion against estimation error.

XP valuation signals

Quick-read green flags, caution flags, and risks based on current metrics.

P/E near 5Y low
Current P/E sits in the 3th percentile of its 5Y range. Historically cheap relative to its own history.
!
DCF limited applicability
Company profile produces unstable DCF output. Lean on P/S, EV/Sales, and historical valuation position instead of intrinsic value for this stock.
Weak financial quality
Piotroski F-Score of 3/9 suggests deteriorating fundamentals. Valuation requires closer scrutiny.

P/E Ratio — History

Current: 7.94x

P/S Ratio — History

Current: 0.45x

Is XP overvalued in 2026?

Xp Inc (XP) currently trades at $19.17 per share with a market capitalization of $8,080,836,000.00. Based on our multi-factor framework, the stock trades at a fair valuation with a Smart Value Score of 70/100. This score blends growth quality, financial health, and price attractiveness into a single institutional-grade read.

The stock trades at a P/E ratio of 7.9x, below its 5-year median of 11.3x.

Looking at its own history, XP is currently trading cheaper than 97% of the last 5Y on P/E. This places it in the 3th percentile of its historical range, a level that has historically coincided with attractive entry points.

A standard DCF model does not produce reliable output for XP under current conditions. For unprofitable or near-breakeven companies, revenue-based multiples such as EV/Sales and historical P/S percentile are more informative than intrinsic value calculations.

Financial quality is a concern. The Piotroski F-Score of 3/9 flags weakening fundamentals that deserve closer scrutiny before the valuation case can be fully trusted.

Bottom line: XP trades at a fair valuation on our framework, with a Smart Value Score of 70/100. The valuation is defensible but offers no obvious bargain. Patience or a better entry price may reward disciplined buyers.

Frequently asked questions

Is XP overvalued?

XP scores 70/100 on our Smart Value Score (Grade B), a mixed overall profile. A standard DCF is unreliable here given the profitability profile, so valuation leans on revenue-based measures like EV/Sales and the P/S percentile below.

What is XP's fair value?

A standard DCF is unreliable for XP given its current profitability profile. Revenue-based approaches like EV/Sales or the historical P/S percentile are more informative for this stock.

What P/E ratio does XP trade at?

XP trades at a P/E of 7.9x on trailing twelve-month earnings, against a 5-year median of 11.3x. P/E is what you pay per dollar of profit, and sitting below its own median means the stock is cheaper than usual relative to its earnings.

Is XP a buy based on valuation?

Our Smart Value rating for XP is Buy, from a Smart Value Score of 70/100 that blends growth, quality, and valuation. The profile is balanced and best suited to investors who already have a thesis. This is research to inform your decision, not personalized financial advice.

How does XP's valuation compare to its history?

On P/E, XP sits in the 3rd percentile of its own 5Y range, historically cheap relative to where it has traded. A low percentile means today's multiple is near the bottom of its historical band.

What is XP's Smart Value Score?

XP's Smart Value Score is 70/100. It is a proprietary WallStSmart metric blending growth quality, financial health, and valuation into a single 0-100 read, and scores above 75 are rare, signaling strong multi-factor alignment.