Insider buying last 90 days
No open-market insider purchases were filed for XP in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every XP insider filing, plotted on the chart in Gekko.Open XP in Gekko
Gekko Brief
AI summaryXP shares advanced on 21 September, rising 3.9% to close at $20.78 alongside commentary flagging the stock as undervalued. The broader move builds on strength since the last earnings report, when XP posted client assets of BRL 2.1 trillion, gross revenues of BRL 4.9 billion, and net income of BRL 1.3 billion, alongside a new buyback program, even though EPS of $2.49 missed the $2.53 estimate and triggered a -4.6% reaction on the day.
XP now trades at $20.23, above both its 50-day average of $17.98 and 200-day average of $18.15, with a one-month return of 14.4% and a three-month return of 24%. The GekkoIndex reads 52.5, placing the stock in the Neutral zone, and the price sits 1.4% above Gekko Fair Value of $19.95.
The next earnings date falls on 16 November, 48 days out and beyond a typical 20-day holding window. No insider, Congress or unusual options activity appears in the current window. Seasonality is a notable headwind: over the past 5 years, the next 20 trading days from this point in the calendar averaged a -9.7% move, with gains in none of those years. Analyst consensus among 4 firms stands at 3 buy and 1 hold, with a consensus target of $23.01.
Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.
XP price vs fair value
Close $20.23200-day averageGekko Fair Value $19.95
XP quick facts
- Market cap
- $10.58B
- P/E ratio
- 10.5
- Forward P/E
- 8.5
- EPS, TTM
- $1.95
- Revenue, TTM
- $18.63B
- Profit margin
- 28.5%
- Dividend yield
- 0.96%
- Beta
- 1.10
- Volume
- 5.77M avg 7.60M
- 1-year return
- +7.3%
- Typical daily move
- ±3.9%
- Typical 20-day move
- ±9.9%
- 50-day average
- $17.98
- 200-day average
- $18.15
- Next earnings
- Nov 16 after close
- Shares outstanding
- 405.7M
XP swing-trade checklist
XP scores 1 supportive, 3 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
1 supportive3 mixed1 headwind
- Trendmixed
Averages disagree
Close $20.23 sits between the 50-day ($17.98) and 200-day ($18.15) averages, or the averages disagree.
See the chart - GekkoIndexmixed
52.5, Neutral
Reading 52.5 is in the Neutral zone.
See the GekkoIndex - Fair valuemixed
1.4% above
Price is within 5% of Gekko Fair Value (1.4% above).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings risksupportive
Reports in 48 days
Next report Nov 16, 2026, 48 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalityheadwind
−9.7% on average
From this point in the calendar, the next 20 trading days averaged −9.7% over 5 years, rising in 0 of them.
See seasonality
A description of current data, not a recommendation. How this page works
XP stock chart and price history
XP closed at $20.23 on Sep 28, 2026, +7.3% over the past year, inside a 52-week range of $14.80 to $23.13.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- +14.4%
- 3 months
- +24.0%
- 6 months
- +14.3%
- 1 year
- +7.3%
The full XP chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open XP in Gekko
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About XP
XP delivers a broad set of financial products and services to customers across Brazil. Through its XP Platform, clients get a single gateway to many kinds of investments, including brokerage securities, fixed income, mutual and hedge funds, private equity, derivatives, credit cards, loans, retirement and insurance offerings, plus real estate funds and capital markets services, along with wealth management support.
Its client base spans everyday investors as well as institutions and corporations, for whom it handles brokerage and issuance work. The company runs mutual funds built around stock picking and macro approaches for both retail and institutional buyers, manages portfolios for wealthier individuals, and oversees index-tracking funds together with vehicles tied to credit, real estate and infrastructure. It further supplies brokerage for institutional and retail traders, interdealer brokerage for institutional desks, and banking services covering loans, currency transactions and deposits. XP also produces educational courses and events on finance, offered both digitally and face to face, and reaches its customers through a combination of physical outlets and online channels.
XP traces back to 2001 and keeps its headquarters in George Town, Cayman Islands. Its stock trades on the NASDAQ under the ticker XP.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Investment banks/Brokers
- Website
- xpinc.com
XP GekkoIndex: the smart money zone
XP’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 52.5, in the Neutral zone, up 5.8 points over five sessions.
52.5Neutral
Up 5.8 points over five sessions.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 71 | −0.1% | −0.2% | ||
| Accumulation | 237 | +0.2% | +2.6% | ||
| Neutral (current zone) | 320 | 0.0% | −2.4% | ||
| Distribution | 42 | −0.1% | +5.1% | ||
| Selling | 2 | Too few readings yet | |||
Average XP share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Neutral readings averaged +1.1% over 20 days. Past behaviour doesn’t guarantee future results.
Neutral zone: No clear directional signal. About the five zones →
See every daily GekkoIndex reading plotted over the XP price, zone by zone.Track XP in Gekko
Is XP stock overvalued? Gekko Fair Value
XP trades 1.4% above Gekko Fair Value of $19.95, so the shares are about fair value on Gekko’s estimate.
Gekko’s own estimate of what XP shares are worth, recalculated every trading day.
$19.95
Gekko Fair Value, Sep 26, 2026
1.4% above fair value · About fair value
Gekko Fair Value on every chart, with the gap to price updating daily.Open XP in Gekko
XP insider and Congress trading
No open-market insider purchases were filed for XP, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in XP were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for XP, plotted on the chart in Gekko.Open XP in Gekko
Hedge funds and billionaires quarter ended Mar 31
0of the funds Gekko tracks hold XP.
0added0opened0trimmed1sold out
Which funds are on each side, name by name.Unlock in Gekko
XP earnings: next date and track record
XP reports on Nov 16, 2026, after the close (48 days away), and beat the EPS estimate in 5 of its last 8 reports.
Next earnings report
Nov 16, 2026
Expected after the close, 48 days away
- EPS estimate
- $0.53
- Revenue estimate
- $980.8M
5 of 8reports beat the EPS estimate
±4.1%average move across the report
3 of 8reports followed by a gain
Share-price move across each report
Last earnings call, May 18, 2026 AI summary
- What they said
- XP reported solid Q1 2026 operational and financial results with client assets (AUM + AUA) at BRL 2.1 trillion (21% YoY growth), 18,300 advisers (+1% YoY), 4.8 million active clients (+2% YoY), gross revenues of BRL 4.9 billion (+8% YoY), EBT of BRL 1.4 billion (+8% YoY) and net income of BRL 1.3 billion (+7% YoY). ROE was 21.7% and capital ratio 20.7%. Management announced a new buyback program (BRL 1 billion noted, with almost half executed) and a BRL 500 million dividend payment in June; later commentary indicated a plan where BRL 2 billion of distributions would be buybacks and BRL 500 million dividends, depending on market conditions. Management introduced a new managerial P&L structure reorganizing segments into Retail and Wholesale and folding certain lines into net interest margin. The CFO, Victor Mansur, announced a planned transition after nearly 15 years; the company hired an experienced banking CFO candidate to support banking product expansion. Management highlighted that March market volatility and widening domestic credit spreads caused mark-to-market losses on tradable fixed income positions but emphasized these were largely unrealized and external to core operations. Management remains confident it can deliver double-digit growth for the year, expects spread compression likely later in the year (Q3/Q4) rather than Q2, and sees early signs of market stabilization and retail demand for corporate bonds. They reiterated commitment to maintain efficiency and can adjust costs if needed, and noted progress toward fee-based revenue (about 25% of individual AUC fee-based today, with a multi-year target near 50%). NPS dipped due to a moving average effect but is recovering toward ~70%.
- Guidance
- Management reiterated an expectation to deliver double-digit revenue growth for 2026. Capital return plan: announced buyback program(s) and cash distributions, with commentary indicating ~BRL 2.0 billion in buybacks and BRL 500 million in dividends as the expected mix for the year (actual mix may vary with stock price and market conditions). Management does not expect credit spread compression in Q2 and views potential spread compression more likely in Q3/Q4.
- Risks flagged
- Primary headwinds cited were increased global volatility and widened domestic credit spreads in March leading to mark-to-market losses on tradable fixed income positions, continued redemptions in credit funds (negative net flows), and uncertain timing of spread compression. Other risks include sensitivity to macro conditions (global markets, FX), potential pressure on DCM/fixed-income revenue if the market remains unstable, and temporary NPS deterioration. Transition risk related to CFO change was framed as planned but remains an execution consideration.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| May 18, 2026 | $2.49 est $2.53 | $909.7M est $925.7M | −4.6% |
| Feb 12, 2026 | $2.56 est $2.52 | $901.6M est $866.1M | −2.1% |
| Nov 17, 2025 | $2.47 est $2.42 | $847.0M est $875.6M | −1.1% |
| Aug 18, 2025 | $2.46 est $2.33 | $806.8M est $832.1M | −8.9% |
| May 20, 2025 | $2.29 est $2.21 | $739.6M est $779.2M | +0.1% |
| Feb 18, 2025 | $2.23 est $2.25 | — | +0.6% |
| Nov 19, 2024 | $2.18 est $2.17 | $796.9M est $802.0M | −7.1% |
| Aug 13, 2024 | $0.39 est $1.98 | $834.2M est $736.5M | +8.6% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
XP stock forecast and analyst price targets
Analysts’ average 12-month price target for XP is $23.01, +13.7% from the last close, from 4 firms rating the stock in the last 90 days.
$23.01consensus 12-month target, +13.7% from the last close
Now $20.23Avg $23.01
Low $20High $26
Each firm’s latest rating in the last 90 days: 4 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Aug 31 | Itau Unibanco | $22 | +8.7% |
| Aug 17 | Goldman Sachs | $20 | −1.1% |
| Aug 17 | Morgan Stanley | $26 | +28.5% |
| Jul 30 | Bank of America Securities | $21 | +3.8% |
−2.4%average 20-day move after past Neutral readings
−9.7%average move over the next 20 trading days in the last 5 years
±3.9%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
XP seasonality: the next 20 trading days
Over the next 20 trading days from Sep 29, XP averaged −9.7% across the last 5 years, rising in 0 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | −0.7% | 1 of 5 |
| Next 10 trading days | −7.9% | 1 of 5 |
| Next 15 trading days | −7.5% | 0 of 5 |
| Next 20 trading days | −9.7% | 0 of 5 |
| Next 30 trading days | −5.0% | 1 of 5 |
For scale, XP’s typical 20-trading-day move in either direction is about 9.9%.
XP market cap and key statistics
XP’s market cap is $10.58B, with a P/E ratio of 10.5 and revenue of $18.63B over the last twelve months.
Valuation
- Market cap
- $10.58B
- P/E ratio
- 10.5
- Forward P/E
- 8.5
- EPS, TTM
- $1.95
- Gekko Fair Value
- $19.95
Trading
- Volume
- 5.77M
- Avg volume, 20 days
- 7.60M
- 52-week high
- $23.13
- 52-week low
- $14.80
- Shares outstanding
- 405.7M
Financials
- Revenue, TTM
- $18.63B
- Profit margin
- 28.5%
- Return on equity
- 22.6%
- Quarterly earnings growth, YoY
- +8.6%
Risk and income
- Beta
- 1.10
- Typical daily move
- ±3.9%
- Typical 20-day move
- ±9.9%
- Dividend yield
- 0.96%
XP stock news this week
1 headline about XP from the past week, newest first, each linking to the publisher.
- XP Inc (XP) Stock Up 3.9% and Still Undervalued -- GF Score: 78/100GuruFocus, Sep 21
XP peers
XP’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| GSGoldman Sachs | Accumulation | 13.7% below |
| SCHWCharles Schwab | Buying | 13.9% below |
| IBKRInteractive Brokers | Accumulation | 10.2% below |
| HOODRobinhood Markets | Neutral | 1.5% above |
| BNYBank of New York Mellon | Accumulation | 8.6% below |
| CMECME | Accumulation | 4.3% below |
A peer links to its own page where one exists.
XP stock FAQ
What is XP’s market cap?
XP’s market cap is $10.58B at the Sep 28, 2026 close of $20.23, with 405.7M shares outstanding. The shares trade on a P/E ratio of 10.5.
What is the XP stock forecast?
The consensus analyst 12-month price target for XP is $23.01, +13.7% from the last close. Of the 4 firms that rated the stock in the last 90 days, 3 rate it a buy, 1 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is XP stock overvalued or undervalued?
On Gekko’s estimate XP is about fair value: the Sep 28, 2026 close of $20.23 is 1.4% above Gekko Fair Value of $19.95. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does XP report earnings next?
XP is expected to report on Nov 16, 2026, after the market closes (48 days away). Analysts expect earnings of $0.53 per share on revenue of $980.8M. XP beat the earnings estimate in 5 of its last 8 reports, moving 4.1% on average across the report.
What is XP’s 52-week high and low?
XP’s 52-week high is $23.13 and its 52-week low is $14.80; it closed at $20.23 on Sep 28, 2026, +7.3% over the past year. Over the last five years the shares peaked at $43.51 on Sep 28, 2021.
Is XP stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 1 of the 5 items with data read as supportive (earnings risk), 3 as mixed (trend, gekkoindex and fair value) and 1 as a headwind (seasonality). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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