XP Inc. provides financial products and services in Brazil. It offers securities brokerage, private pension plans, commercial, and investment banking products, such as loan operations and transactions in the foreign exchange markets and deposits; product structuring and capital markets services for corporate clients and issuers of fixed income products; advisory services for mass-affluent and institutional clients; and wealth management services for high-net-worth customers and institutional clients. The company also offers Xpeed, an online financial education portal that offers seminars, classes, and learning tools to help teach individuals on topics, such as basics of investing, techniques, and investment strategies, as well as insurance brokerage services. In addition, it operates XP Platform, an open product platform that provides clients to access investment products in the market, including equity and fixed income securities, mutual and hedge funds, private equity, structured products, credit cards, loan operations, life insurance, pension plans, real-estate investment funds, and others. The company was founded in 2001 and is based in São Paulo, Brazil.

XP Inc.

Estácio is involved in higher education, offering graduation and post-graduation courses, including technical and free courses.

Estácio

Grupo Ser Educacional is involved in the education sector, operating respected educational institutions across Brazil, focusing on higher education and professional training. Self-described as a national project attentive to regional characteristics and culture.

Grupo Ser Educacional

Cogna is an educational group that offers a variety of educational services ranging from basic education to higher education, including language courses, professional training, and corporate education. It serves a wide demographic including individuals, companies, and government entities.

Cogna

XP Inc. is focused on supporting the transition to a more sustainable world and aims to democratize access to financial products and services, providing financial education to the Brazilian population.

Metric
Company Name	XP Inc.	Estácio	Grupo Ser Educacional	Cogna
Symbol	XP
MSH ID	COM:XPINC	BR:ESTACIO	COM:SEREDUCACIONAL	BR:COM:KROTON
Market	STOCKS	PRIVATE	PRIVATE	PRIVATE
Sector	Financial Services	Consumer Services	Consumer Services	Consumer Services
Industry	Financial - Capital Markets	Education	Education	Education
Country	BR	BR	BR	BR
Stage
Employee Count	6.15K			11
Website	xpinc.com	estacio.br	sereducacional.com	kroton.com.br
LinkedIn
Founders

Metric
Market Cap	10.01B
Enterprise Value
Monthly Web Traffic		1.22K
Web Traffic Growth		-0.60
Valuation
Raised Capital	500M

Metric
Revenue	2.48B
Revenue (LTM)
Revenue (NTM)
Gross Profit	1.72B
EBITDA	806.97M
Operating Income	765.35M
Net Income	642.71M
EPS	1.19
Diluted EPS	1.18
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.63
Operating Profit Margin	0.21
EBITDA Margin	0.33
Net Profit Margin	0.45
Return on Equity	0.21
Return on Assets	0.02
Return on Capital Employed	0.02

COM:XPINC

XP Inc.

Last Close

15.52

22/11 21:00

Market Cap

10.01B

Beta: -

Volume Today

5.03M

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	19.04
P/B Ratio	3.46
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	7.94
EV Multiple	4.57

Metric
Days Sales Outstanding	1.58K
Days Payables Outstanding	38.20
Days Inventory Outstanding
Operating Cycle	1.24K
Cash Conversion Cycle	1.24K
Asset Turnover	0.05

Metric
Operating Cash Flow	3.58B
Free Cash Flow	3.55B
Cash Flow to Debt	0.24
Operating Cash Flow/Sales	1.72
Free Cash Flow Yield	0.07

Metric
Cash & Equivalents	650.07M
Accounts Receivable	-8.78M
Inventory
Goodwill	302.24M
Debt to Capitalization	0.79
Debt to Assets	0.17
Current Ratio	0.68
Quick Ratio	22.58

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.06
R&D to Revenue
SG&A to Revenue	0.58