SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
XP Inc. (XP) trades at a trailing P/E of 10.3, forward P/E of 1.9. Trailing earnings yield is 9.69%, forward earnings yield 51.55%. PEG 0.57 (Peter Lynch undervalued ≤1.0). Graham Number is $99.92.
Criteria proven by this page:
- VALUE (72/100, Pass) — P/E is below market average (10.3); PEG ≤ 1.0 — Peter Lynch undervalued (0.57); analyst target implies upside (+10.6%); earnings yield beats bond yields (9.69%).
- Forward P/E 1.9 (down from trailing 10.3) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.57 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 9.69% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 51.55% as earnings recover.
- Analyst consensus target $23.50 (+10.6% upside) — modest upside expected.
Overall SharesGrow Score: 77/100 with 6/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
72/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
33/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — XP
Valuation Multiples
P/E (TTM)10.3
Forward P/E1.9
PEG Ratio0.57
Forward PEG0.16
P/B Ratio2.24
P/S Ratio2.91
EV/EBITDA20.4
Per Share Data
EPS (TTM)$9.80
Forward EPS (Est.)$10.93
Book Value / Share$45.27
Revenue / Share$35.29
FCF / Share$22.49
Yields & Fair Value
Earnings Yield9.69%
Forward Earnings Yield51.55%
Dividend Yield0.90%
Graham Number$99.92
SharesGrow IV$158.70 (+647.2%)
Analyst Target$23.50 (+10.6%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
350.3 |
8.35 |
59.19 |
52.61 |
0.28% |
| 2017 |
146.7 |
2.08 |
54.99 |
31.49 |
0.30% |
| 2018 |
150.7 |
12.56 |
35.38 |
23.36 |
0.44% |
| 2019 |
75.3 |
0.50 |
11.03 |
15.27 |
0.63% |
| 2020 |
54.3 |
0.69 |
10.44 |
13.23 |
- |
| 2021 |
24.0 |
0.34 |
6.21 |
6.90 |
- |
| 2022 |
12.1 |
38.98 |
2.64 |
3.17 |
- |
| 2023 |
17.9 |
1.61 |
3.54 |
4.65 |
5.15% |
| 2024 |
7.8 |
0.52 |
2.01 |
2.03 |
5.06% |
| 2025 |
9.3 |
0.49 |
2.01 |
2.59 |
1.05% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$0.44 |
$689.88M |
$243.77M |
35.3% |
| 2017 |
$0.75 |
$1.28B |
$413.87M |
32.2% |
| 2018 |
$0.84 |
$2.05B |
$461.44M |
22.5% |
| 2019 |
$2.11 |
$3.6B |
$1.08B |
30% |
| 2020 |
$3.71 |
$5.02B |
$2.08B |
41.4% |
| 2021 |
$6.26 |
$6.2B |
$3.59B |
57.9% |
| 2022 |
$6.25 |
$5.94B |
$3.58B |
60.2% |
| 2023 |
$7.16 |
$6.53B |
$3.9B |
59.7% |
| 2024 |
$8.23 |
$7.42B |
$4.51B |
60.8% |
| 2025 |
$9.72 |
$18.24B |
$5.07B |
27.8% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$10.91 |
$10.52 – $11.61 |
$20.83B |
$20.17B – $21.48B |
3 |
| 2027 |
$12.38 |
$11.68 – $13.30 |
$23.52B |
$22.71B – $24.33B |
4 |
| 2028 |
$14.24 |
$14.00 – $14.70 |
$26.21B |
$25.17B – $26.97B |
3 |
| 2029 |
$17.47 |
$16.57 – $18.13 |
$31.17B |
$29.93B – $32.07B |
1 |
| 2030 |
$0.00 |
$0.00 – $0.00 |
$34.69B |
$33.31B – $35.7B |
0 |
