XP (XP)

Financial Metrics & Valuation Analysis

Enterprise Valuation (TTM)

Enterprise Value$126.10B
EV / Sales6.76
EV / EBITDA20.00
EV / Operating Cash Flow8.18
EV / Free Cash Flow8.38

Return Metrics (TTM)

Return on Equity (ROE)22.01%
Return on Assets (ROA)1.26%
Return on Invested Capital (ROIC)1.38%
Return on Capital Employed (ROCE)1.84%

Yield Metrics

Earnings Yield11.51%
Free Cash Flow Yield33.23%

Balance Sheet Strength

Net Debt / EBITDA12.81
Current Ratio0.49
Working Capital-$44.10B
Tangible Asset Value$21.55B
Net Current Asset Value-$342.53B

Working Capital Efficiency

Days Sales Outstanding657.35
Days Payables Outstanding0.00
Operating Cycle (Days)657.35
Cash Conversion Cycle657.35

Capital Allocation

CapEx / Revenue2.02%
CapEx / Operating Cash Flow2.44%
R&D / Revenue0.00%
SG&A / Revenue0.00%

Fiscal Year 2025 Ratios

Audited annual results as of 2025-12-31

Margins

Gross Profit Margin67.36%
Operating Margin32.42%
Net Profit Margin27.79%

Solvency

Debt / Equity3.62
Quick Ratio0.56
Cash Ratio0.13

Per Share

Revenue / Share$34.59
FCF / Share$22.44
PE Ratio9.15