XP

XP

Market cap $9B

Investors interested in Financial - Miscellaneous Services stocks are likely familiar with XP Inc.A (XP) and SoFi Technologies, Inc. (SOFI). But which of these two stocks is more attractive to value investors?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

The mean of analysts' price targets for XP Inc.A (XP) points to a 32.2% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in the stock.

XP delivered 3Q25 results showing stalled growth in retail, flat wholesale, and investment banking leading performance. XP is shifting from a transaction-based to a fee-based advisory model, aiming for healthier client-advisor alignment and internal advisor expansion. Despite slow revenue growth and margin pressures, XP continues significant capital returns via buybacks and dividends, supported by a strong capital position.

Retail flows bounced back, showing XP Inc.'s growth engine is intact despite a tough past quarter. The advisory model keeps gaining traction, helping XP build a more resilient and predictable business. Risks remain from a conservative asset mix, take-rate compression, and sensitivity to Brazil's high interest rates, but structural risk has lessened.

XP Inc. ( XP ) Q3 2025 Earnings Call November 17, 2025 5:00 PM EST Company Participants Andre Parize - Chief Investor Relations Officer Thiago Maffra - Chief Executive Officer Victor Mansur - Chief Financial Officer Conference Call Participants Eduardo Rosman - Banco BTG Pactual S.A., Research Division Yuri Fernandes - JPMorgan Chase & Co, Research Division Mario Pierry - BofA Securities, Research Division Gustavo Schroden - Citigroup Inc., Research Division Daniel Vaz - J.

XP Inc.A (XP) came out with quarterly earnings of $0.45 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $0.39 per share a year ago.

SÃO PAULO--(BUSINESS WIRE)--XP Inc. (Nasdaq: XP), announced today that its board of directors has approved three capital allocation actions: (i) the declaration of a cash dividend, (ii) the retirement of treasury shares, and (iii) the authorization of a new share repurchase program. Cash Dividend The Board declared a cash dividend of US$0.18 per Class A common share, payable on December 18, 2025, to shareholders of record as of December 10, 2025. The distribution is expected to total approximat.

SÃO PAULO--(BUSINESS WIRE)--XP Inc. (NASDAQ: XP) (“XP” or the “Company”), a leading tech-enabled platform and a trusted pioneer in providing low-fee financial products and services in Brazil, reported today its financial results for the third quarter of 2025. Summary Operating KPIs Operating Metrics (unaudited) 3Q25 3Q24 YoY 2Q25 QoQ Total Client Assets (in R$ bn) 1,425 1,270 12% 1,372 4% Total Net Inflow (in R$ bn) 29 34 -14% 10 204% Annualized Retail Take Rate 1.24% 1.33% -9 bps 1.25% -1 bps.

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.