XP
XP Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Strong buy
+55/100
Last price
29.72
▲ 1.57 (5.58%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
28.78
Prev close
28.15
Day high
29.77
Day low
28.68
Volume
23.10M
Market cap
$15.09B
P/E (TTM)
14.72
52W range
14.80 – 29.77
Day trading desk
Gap from prior close
+2.22%
Prior close 28.15
VWAP
29.51
+0.70% from price
Relative volume
6.64×
Unusually busy
Session range
6.24%
28.03 – 29.78
Position in range
97%
Near session high
ATR (14D)
1.37
4.63% of price
Prior day high
29.00
PDH
Prior day low
25.84
PDL
Bid / ask spread
—
Quote not published
Session volume
44.57M
Avg 6.71M
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+46.67%
+44.7%
1M
+49.70%
+48.5%
3M
+92.55%
+88.0%
6M
+59.58%
+41.4%
YTD
+81.61%
+67.4%
1Y
+71.45%
+55.0%
3Y
+28.98%
-53.3%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on XP open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
3.72M
Total on file
Fundamentals
Market cap$15.09B
Enterprise value$-112.80B
Revenue (TTM)$18.63B
Gross profit$12.89B
EBITDA—
Net income$5.32B
EPS (TTM)$2.02
Free cash flow—
Total cash$287.43B
Total debt$159.54B
Book value / share$9.08
Shares outstanding405.69M
Float403.30M
Short % of float4.40%
Dividend yield0.67%
Beta (5Y)1.03
Valuation & profitability ratios
Trailing P/E14.72
Forward P/E12.07
PEG ratio—
Price / sales—
Price / book3.27
EV / revenue-6.05
EV / EBITDA—
Gross margin69.20%
Operating margin31.18%
Profit margin28.54%
Return on equity22.56%
Return on assets1.36%
Debt / equity642.49
Current ratio1.49
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $7.97B | $7.42B | $6.53B | $5.94B | +7.3% |
| Operating revenue | $7.84B | $7.38B | $6.56B | $6.03B | +6.2% |
| Cost of revenue | $5.90B | $5.53B | $4.92B | $4.84B | +6.5% |
| Gross profit | $2.07B | $1.89B | $1.62B | $1.10B | +9.6% |
| Selling, general & admin | $4.67B | $4.31B | $3.99B | $3.91B | +8.2% |
| Total operating expense | $6.59B | $5.81B | $5.48B | $4.67B | +13.5% |
| Operating income | -$4.52B | -$3.92B | -$3.86B | -$3.56B | -15.4% |
| Net interest income | -$582.02M | -$751.54M | -$600.25M | -$386.87M | +22.6% |
| Pre-tax income | $5.45B | $4.99B | $3.94B | $3.44B | +9.3% |
| Tax provision | $279.26M | $471.13M | $36.96M | -$135.56M | -40.7% |
| Net income | $5.17B | $4.51B | $3.90B | $3.58B | +14.5% |
| Net income to common | $5.17B | $4.51B | $3.90B | $3.58B | +14.5% |
| Basic EPS | 9.80 | 8.33 | 7.22 | 6.44 | +17.7% |
| Diluted EPS | 9.72 | 8.23 | 7.16 | 6.25 | +18.1% |
| EBIT | $6.07B | $5.77B | $4.55B | $3.85B | +5.4% |
| EBITDA | $6.38B | $6.03B | $4.81B | $4.05B | +5.8% |
| Basic shares | 527.32M | 541.67M | 539.84M | 555.43M | -2.7% |
| Diluted shares | 531.92M | 548.32M | 544.21M | 573.01M | -3.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $10.36B | $5.61B | $3.94B | $3.55B | +84.6% |
| Cash & short-term investments | $73.11B | $74.91B | $54.41B | $41.30B | -2.4% |
| Accounts receivable | $1.13B | $684.84M | $579.50M | $522.12M | +65.0% |
| Total current assets | $148.95B | $158.06B | $119.51B | $76.12B | -5.8% |
| Property, plant & equipment | $804.13M | $763.10M | $655.17M | $569.38M | +5.4% |
| Goodwill & intangibles | $2.76B | $2.63B | $2.50B | $844.18M | +4.9% |
| Total assets | $396.53B | $347.46B | $249.04B | $192.03B | +14.1% |
| Total current liabilities | $209.53B | $196.14B | $124.10B | $105.40B | +6.8% |
| Current debt | $74.65B | $81.84B | $40.83B | $33.66B | -8.8% |
| Long-term debt | $29.57B | $33.29B | $27.73B | $1.87B | -11.2% |
| Total debt | $104.22B | $115.13B | $68.56B | $33.66B | -9.5% |
| Total liabilities | $372.98B | $327.41B | $229.59B | $174.99B | +13.9% |
| Shareholder equity | $23.55B | $20.04B | $19.45B | $17.04B | +17.5% |
| Working capital | -$60.58B | -$38.08B | -$4.58B | -$29.28B | -59.1% |
| Net tangible assets | $20.78B | $17.41B | $16.95B | $16.19B | +19.4% |
| Shares issued | 518.83M | 538.75M | 548.44M | 559.16M | -3.7% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $5.45B | $4.99B | $3.94B | $3.44B | +9.3% |
| Depreciation & amortisation | $304.14M | $265.32M | $252.41M | $205.88M | +14.6% |
| Stock-based compensation | $391.69M | $417.26M | $365.71M | $584.77M | -6.1% |
| Change in working capital | $6.79B | $4.18B | $3.59B | -$2.17B | +62.4% |
| Operating cash flow | $12.04B | $11.18B | $8.13B | $1.80B | +7.7% |
| Capital expenditure | -$489.57M | -$330.21M | -$196.22M | -$126.97M | -48.3% |
| Investing cash flow | -$715.97M | -$1.67B | $538.81M | -$371.28M | +57.1% |
| Share buybacks | -$1.90B | -$1.35B | -$915.86M | -$1.81B | -40.4% |
| Dividends paid | -$494.52M | -$2.04B | -$3.54B | $0 | +75.7% |
| Financing cash flow | -$4.93B | -$5.78B | -$4.39B | -$200.30M | +14.8% |
| Free cash flow | $11.56B | $10.85B | $7.93B | $1.68B | +6.5% |
| End cash position | $19.22B | $12.91B | $9.21B | $4.97B | +48.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $1.97B | $1.93B | $2.43B | $2.09B | $1.79B | — | +1.9% |
| Operating revenue | $1.91B | $1.92B | $2.37B | $2.04B | $1.77B | — | -0.4% |
| Cost of revenue | $1.51B | $1.56B | $1.50B | $1.52B | $1.43B | — | -3.2% |
| Gross profit | $459.73M | $373.30M | $927.38M | $566.94M | $368.94M | — | +23.2% |
| Selling, general & admin | $1.23B | $1.16B | $1.32B | $1.22B | $1.14B | — | +5.7% |
| Total operating expense | $1.77B | $1.70B | $1.83B | $1.70B | $1.57B | — | +4.6% |
| Operating income | -$1.31B | -$1.32B | -$907.29M | -$1.14B | -$1.20B | — | +0.7% |
| Net interest income | -$106.23M | -$94.84M | -$116.56M | -$133.27M | -$164.59M | — | -12.0% |
| Pre-tax income | $1.52B | $1.34B | $1.54B | $1.33B | $1.32B | — | +12.8% |
| Tax provision | $130.83M | $25.74M | $255.62M | $495.00K | -$3.51M | — | +408.3% |
| Net income | $1.39B | $1.31B | $1.30B | $1.32B | $1.32B | — | +6.3% |
| Net income to common | $1.39B | $1.31B | $1.30B | $1.32B | $1.32B | — | +6.3% |
| Basic EPS | 2.71 | 2.53 | — | 2.51 | 2.50 | 2.31 | +7.3% |
| Diluted EPS | 2.67 | 2.49 | — | 2.47 | 2.46 | 2.29 | +7.2% |
| EBIT | $1.63B | $1.45B | $1.67B | $1.47B | $1.49B | — | +12.8% |
| EBITDA | $1.73B | $1.53B | $1.75B | $1.55B | $1.57B | — | +13.3% |
| Basic shares | 513.49M | 518.56M | — | 526.03M | 527.88M | 535.27M | -1.0% |
| Diluted shares | 520.55M | 525.36M | — | 534.93M | 535.82M | 539.53M | -0.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $7.98B | $8.79B | $10.36B | $12.41B | $12.09B | — | -9.2% |
| Cash & short-term investments | $58.92B | $68.36B | $73.11B | $78.81B | $76.45B | — | -13.8% |
| Accounts receivable | $1.16B | $1.16B | $1.13B | $1.17B | $1.06B | — | +0.3% |
| Total current assets | $148.10B | $149.59B | $148.95B | $164.85B | $149.95B | — | -1.0% |
| Property, plant & equipment | $727.82M | $737.67M | $804.13M | $679.98M | $619.05M | — | -1.3% |
| Goodwill & intangibles | $2.95B | $2.91B | $2.76B | $2.70B | $2.66B | — | +1.6% |
| Total assets | $408.03B | $414.31B | $396.53B | $399.48B | $373.85B | — | -1.5% |
| Total current liabilities | $185.54B | $200.84B | $209.53B | $200.84B | $189.44B | — | -7.6% |
| Current debt | $58.63B | $58.23B | $74.65B | $72.51B | $74.16B | — | +0.7% |
| Long-term debt | $48.66B | $50.65B | $29.57B | — | — | $3.50B | -3.9% |
| Total debt | $107.29B | $108.88B | $104.22B | $72.51B | $74.16B | — | -1.5% |
| Total liabilities | $383.20B | $389.58B | $372.98B | $375.81B | $351.58B | — | -1.6% |
| Retained earnings | $2.70B | $1.31B | — | $3.87B | $2.55B | $1.24B | +106.3% |
| Shareholder equity | $24.83B | $24.72B | $23.55B | $23.66B | $22.26B | — | +0.5% |
| Working capital | -$37.44B | -$51.25B | -$60.58B | -$36.00B | -$39.50B | — | +27.0% |
| Net tangible assets | $21.88B | $21.81B | $20.78B | $20.96B | $19.60B | — | +0.3% |
| Shares issued | 507.48M | 518.83M | 518.83M | 527.33M | 526.98M | — | -2.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $1.52B | $1.34B | $1.54B | $1.33B | $1.32B | +12.8% |
| Depreciation & amortisation | $102.48M | $83.37M | $77.74M | $75.71M | $76.57M | +22.9% |
| Stock-based compensation | $33.15M | $130.86M | -$5.54M | $132.84M | $128.45M | -74.7% |
| Change in working capital | -$2.77B | $3.52B | -$4.16B | $10.89B | $3.65B | -178.7% |
| Operating cash flow | -$1.16B | $4.69B | -$2.38B | $12.31B | $4.76B | -124.8% |
| Capital expenditure | -$118.52M | -$231.89M | -$149.50M | -$161.00M | -$106.34M | +48.9% |
| Investing cash flow | -$118.14M | -$311.23M | -$149.53M | -$309.89M | -$102.62M | +62.0% |
| Share buybacks | -$798.47M | -$197.48M | -$852.29M | -$133.57M | -$417.05M | -304.3% |
| Financing cash flow | -$2.28B | $28.26M | -$2.74B | -$1.60B | -$742.47M | -8,176.5% |
| Free cash flow | -$1.28B | $4.46B | -$2.53B | $12.15B | $4.65B | -128.8% |
| End cash position | $20.04B | $23.60B | $19.22B | $24.57B | $14.17B | -15.1% |
Options analytics
Put / call volume
1.10
Put-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
5.00
-83.2% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
+50.0%
Puts bid over calls
Call volume
254
Contracts, this expiry
Put volume
279
Contracts, this expiry
Heaviest call OI
5.00
0 contracts
Heaviest put OI
11.00
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 2.62 | 2.67 | +2.0% |
| Mar 2026 | 2.53 | 2.49 | -1.7% |
| Dec 2025 | 2.50 | 2.56 | +2.4% |
| Sep 2025 | 2.42 | 2.47 | +2.2% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 2.75 | 4 | $5.10B | +9.5% |
| Next quarter | 2.97 | 4 | $5.36B | +8.3% |
| Current year | 10.80 | 7 | $20.05B | +8.9% |
| Next year | 12.32 | 7 | $22.45B | +12.0% |
Analyst targets & ownership
Mean target$25.55
High target$38.05
Low target$20.81
Implied upside-14.04%
Analyst count12
ConsensusSTRONG BUY
Strong buy / Buy2 / 5
Hold1
Sell / Strong sell0 / 0
Held by insiders0.73%
Held by institutions82.69%
Institutions holding497
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
22.40
+32.71% from price
SMA 20
21.20
+40.27% from price
SMA 50
18.79
+58.20% from price
SMA 100
17.58
+69.04% from price
SMA 200
18.34
+62.08% from price
EMA 12
23.01
+29.18% from price
EMA 26
21.15
+40.54% from price
EMA 50
19.69
+50.91% from price
RSI (14)
89.4
Overbought
MACD (12,26,9)
1.86
Hist 0.77
ATR (14)
1.37
4.62% of price
Realised vol 30D
83.5%
Annualised
Bollinger upper
26.53
20, 2σ
Bollinger lower
15.86
20, 2σ
50 / 200 cross
Golden
18.79 vs 18.34
Trend bias
Above 200
+62.08%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
1.95
More volatile than market
Correlation to SPY
0.46
Loosely linked
Realised vol 30D
83.5%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-34.9%
Peak to trough
Max drawdown 5Y
-74.5%
Peak to trough
ATR 14
1.37
4.62% of price
Beta (reported)
1.03
5Y monthly, from filing
Short interest
Shares short
17.76M
Prior 18.35M
Change vs prior
-3.2%
Shorts covering
% of float
4.40%
Normal
% of shares out
3.50%
Against total outstanding
Days to cover
2.5
Liquid
Float
403.30M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 6, 26 | JP Morgan | MAINTAINED | Overweight | Overweight |
| Oct 6, 26 | Itau BBA | UPGRADE | Market Perform | Outperform |
| Sep 29, 26 | Citigroup | MAINTAINED | Buy | Buy |
| Aug 31, 26 | Itau BBA | UPGRADE | Market Perform | Outperform |
| Jun 3, 26 | UBS | MAINTAINED | Buy | Buy |
| Apr 2, 26 | UBS | MAINTAINED | Buy | Buy |
| Jan 20, 26 | Jefferies | INITIATED | — | Buy |
| Dec 16, 25 | UBS | MAINTAINED | Buy | Buy |
| Oct 16, 25 | UBS | MAINTAINED | Buy | Buy |
| Sep 24, 25 | Citigroup | MAINTAINED | Buy | Buy |
| Jun 10, 25 | UBS | MAINTAINED | Buy | Buy |
| Jun 4, 25 | Goldman Sachs | UPGRADE | Neutral | Buy |
Dividends & splits
Forward rate$0.20 / yr
Forward yield0.67%
5-year avg yield—
Payout ratio20.39%
Ex-dividend dateJun 10, 2026
Next pay dateJun 18, 2026
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
6-K · 2026-08-17
Corporate Changes & Voting Matters
6-K · 2026-05-29
Corporate Changes & Voting Matters
6-K · 2026-05-26
Corporate Changes & Voting Matters
6-K · 2026-05-18
Corporate Changes & Voting Matters
6-K · 2026-05-06
Periodic Financial Reports
20-F · 2026-04-29
Offering Registrations
F-3ASR · 2026-02-23
Corporate Changes & Voting Matters
6-K · 2026-02-12
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PRIVATE STRATEGY · BY QUALIFICATION
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