XP

XPC

Nasdaq / Financial Services

At close

2026-07-21

Current thesis

The main constructive datapoint in the packet is the analyst-target summary, with median/mean target near $24.18 versus the May 7 close of $18.79, implying nominal upside if execution against 2026 guidance holds.

Posture

Mixed

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta -0.2.

What can break

Even with more direct Brazil comparators named in XP’s 20-F, peer read-across remains imperfect because XP’s wealth and investment-platform economics differ from digital banking, investment banking, and universal-bank models.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $19.50 · Bull $24.18 · Bear $16.00

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-05-08 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Target $23.83

Why

Momentum28 · Δ7d +3.8

Value60 · Δ7d -0.2

Sentiment63 · Δ7d -7.2

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

+3.8

Δ21d

+15.1

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.2

Δ21d

-0.5

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-7.2

Δ21d

-7.9

Why this grade

Composite grade C. Momentum 28.2 / Value 59.7 / Sentiment 63.3

Fundamentals (TTM)

As of 2026-07-21

Market Cap

$8.71B

Beta

1.22

Shares Out

517.02M

P/E (TTM)

9.8

P/S (TTM)

2.67

P/FCF (TTM)

2.69

Rev YoY

+19.3%

EPS YoY

+21.7%

Gross Margin

+68.6%

Op Margin

+32.6%

Net Debt

$13.68B

Current Ratio

0.29

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology