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| 15.30 USD | -0.78% |
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15.34 | +0.29% |
| 05-27 | Xp Inc. Announces Board Changes, Effective May 29, 2026 | CI |
| 05-19 | Top Midday Decliners | MT |
Projected Income Statement: XP Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 12,077 | 13,348 | 14,860 | 17,078 | 18,412 | 20,433 | 23,172 | 26,027 |
| Change | - | 10.52% | 11.33% | 14.93% | 7.81% | 10.98% | 13.41% | 12.32% |
| EBITDA 1 | 4,190 | 4,065 | 4,732 | 5,971 | 6,272 | 6,895 | 7,971 | 9,091 |
| Change | - | -2.98% | 16.41% | 26.18% | 5.04% | 9.93% | 15.61% | 14.05% |
| EBIT 1 | 3,958 | 3,859 | 4,480 | 5,706 | 5,968 | 6,434 | 7,524 | 8,512 |
| Change | - | -2.5% | 16.09% | 27.37% | 4.59% | 7.8% | 16.95% | 13.13% |
| Interest Paid 1 | -136 | -402.3 | -617 | -780 | -625.4 | -539.2 | -518.8 | -666 |
| Earnings before Tax (EBT) 1 | 4,382 | 3,445 | 3,936 | 4,986 | 5,449 | 5,990 | 7,144 | 8,140 |
| Change | - | -21.38% | 14.25% | 26.68% | 9.29% | 9.92% | 19.28% | 13.94% |
| Net income 1 | 3,589 | 3,580 | 3,899 | 4,515 | 5,169 | 5,667 | 6,443 | 6,989 |
| Change | - | -0.26% | 8.91% | 15.8% | 14.49% | 9.64% | 13.68% | 8.48% |
| Announcement Date | 08/02/22 | 16/02/23 | 27/02/24 | 18/02/25 | 12/02/26 | - | - | - |
Forecast Balance Sheet: XP Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net Debt 1 | 28,390 | 5,141 | 5,632 | 3,555 | - | -21,886 | -24,283 | -30,149 |
| Change | - | -81.89% | 9.55% | -36.88% | - | - | -10.95% | -24.16% |
| Announcement Date | 08/02/22 | 16/02/23 | 27/02/24 | 18/02/25 | 12/02/26 | - | - | - |
Cash Flow Forecast: XP Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| CAPEX 1 | 353 | 127 | 196.2 | 330.2 | 489.6 | 649.7 | 848.7 | 958.9 |
| Change | - | -64.03% | 54.54% | 68.28% | 48.26% | 32.7% | 30.64% | 12.98% |
| Free Cash Flow (FCF) 1 | -4,373 | 1,677 | 7,931 | 10,849 | 11,836 | 12,938 | 10,354 | 9,792 |
| Change | - | 138.34% | 372.96% | 36.79% | 9.1% | 9.31% | -19.98% | -5.43% |
| Announcement Date | 08/02/22 | 16/02/23 | 27/02/24 | 18/02/25 | 12/02/26 | - | - | - |
Forecast Financial Ratios: XP Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||
| EBITDA Margin (%) | 34.69% | 30.45% | 31.84% | 34.96% | 34.06% | 33.74% | 34.4% | 34.93% |
| EBIT Margin (%) | 32.77% | 28.91% | 30.15% | 33.41% | 32.41% | 31.49% | 32.47% | 32.71% |
| EBT Margin (%) | 36.28% | 25.81% | 26.49% | 29.2% | 29.59% | 29.31% | 30.83% | 31.28% |
| Net margin (%) | 29.72% | 26.82% | 26.24% | 26.44% | 28.07% | 27.74% | 27.8% | 26.85% |
| FCF margin (%) | -36.21% | 12.56% | 53.37% | 63.52% | 64.28% | 63.32% | 44.68% | 37.62% |
| FCF / Net Income (%) | -121.84% | 46.84% | 203.41% | 240.28% | 228.97% | 228.29% | 160.7% | 140.09% |
Profitability | ||||||||
| ROA | 3.05% | 2.16% | 2.5% | 1.51% | 1.39% | 1.3% | 1.23% | 1.22% |
| ROE | 28.36% | 22.76% | 21.4% | 23% | 23.72% | 22.68% | 23.07% | 23.46% |
Financial Health | ||||||||
| Leverage (Debt/EBITDA) | 6.78x | 1.26x | 1.19x | 0.6x | - | - | - | - |
| Debt / Free cash flow | -6.49x | 3.07x | 0.71x | 0.33x | - | - | - | - |
Capital Intensity | ||||||||
| CAPEX / Current Assets (%) | 2.92% | 0.95% | 1.32% | 1.93% | 2.66% | 3.18% | 3.66% | 3.68% |
| CAPEX / EBITDA (%) | 8.43% | 3.12% | 4.15% | 5.53% | 7.81% | 9.42% | 10.65% | 10.55% |
| CAPEX / FCF (%) | -8.07% | 7.57% | 2.47% | 3.04% | 4.14% | 5.02% | 8.2% | 9.79% |
Items per share | ||||||||
| Cash flow per share 1 | -7.01 | 3.148 | 14.93 | 20.39 | 22.64 | 38.15 | 9.266 | 17.84 |
| Change | - | 144.91% | 374.38% | 36.52% | 11.05% | 68.5% | -75.71% | 92.54% |
| Dividend per Share 1 | - | - | 6.459 | 3.774 | - | 6.249 | 7.545 | 8.509 |
| Change | - | - | - | -41.57% | - | - | 20.74% | 12.77% |
| Book Value Per Share 1 | 25.77 | 30.67 | 35.46 | 37.13 | 43.71 | 50.51 | 57.35 | 64.62 |
| Change | - | 19.04% | 15.62% | 4.7% | 17.71% | 15.57% | 13.53% | 12.69% |
| EPS 1 | 6.259 | 6.25 | 7.16 | 8.231 | 9.719 | 10.67 | 12.27 | 13.46 |
| Change | - | -0.14% | 14.56% | 14.96% | 18.07% | 9.83% | 14.91% | 9.77% |
| Nbr of stocks (in thousands) | 559,549 | 560,294 | 548,083 | 537,004 | 528,220 | 513,804 | 513,804 | 513,804 |
| Announcement Date | 08/02/22 | 16/02/23 | 27/02/24 | 18/02/25 | 12/02/26 | - | - | - |
| 2026 * | 2027 * | |
|---|---|---|
| P/E | 7.31x | 6.36x |
| PBR | 1.54x | 1.36x |
| EV / Sales | 0.89x | 0.68x |
| Yield | 8.01% | 9.67% |
EPS & Dividend
Y-o-Y evolution of P/E
Year-on-year evolution of the Yield
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