XP owns technological platforms for investments, financial services and education, plus media and content platforms, including brands such as XP, Rico, Clear, Infomoney, XPeed and IM+. The platform provides access to over 800 investment products from XP, its partners and competitors, positioning it as a market leader in Brazil's fintech ecosystem with strong competitive differentiation.
Cyborg Score Rationale
In 2025, XP's revenue reached 17.77 billion (up 9.36% YoY) with earnings of 5.17 billion (up 14.54%), demonstrating solid profitability and growth. Recent analyst sentiment is positive, though litigation and regulatory scrutiny pose near-term risks.
Top Insights
Q4 2025 results showed non-GAAP EPS of $0.49 (up 26% YoY) and revenue of $952M (up 21% YoY), beating estimates
Average analyst rating is 'Strong Buy' with 12-month price target of $22.67 (up 14.67% from latest price)
Founded in 2001 by Guilherme Dias Fernandes Benchimol and headquartered in Vila Olimpia, Brazil
As of Feb 13, 2026, the company employs 7.44K employees
Named Competitors
Itaú Unibanco — Traditional Brazilian banking services
Bradesco — Diversified banking and investment services
Nubank — Digital banking and fintech services in Brazil
Clear — XP-owned fintech platform for trading and investing
Recent Developments
(February 2026) Analyst upgrade from Jefferies with Buy rating
(December 2025) UBS raised price target to $25 from $23
(November 2025) Strong Q3 2025 earnings; announced dividend, share retirement, and new buyback program