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XP Inc.
XPFinancial ServicesNASDAQBR
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $18.24B | 27.8% | $5.07B | $10.94B | N/A |
| 2027 | $19.81B | 27.8% | $5.51B | $11.88B | $10.80B |
| 2028 | $21.51B | 27.8% | $5.98B | $12.91B | $10.67B |
| 2029 | $23.36B | 27.8% | $6.49B | $14.02B | $10.53B |
| 2030 | $25.37B | 27.8% | $7.05B | $15.22B | $10.40B |
| 2031 | $27.55B | 27.8% | $7.66B | $16.53B | $10.26B |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $9.72 | 2025-12-31 |
| EPS growth | +19.1% | Forecast years: 5 |
| Future EPS | $23.293 | EPS × (1 + G)^5 |
| Base P/E | 9.3 | P/E |
| Future price | $216.62 | Future EPS × P/E |
| Fair value today | $134.51 | PV @ 10.0% |
| 30% safety price | $94.155 | Margin of safety |
| 50% safety price | $67.253 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $40.415 | $48.209 | $58.837 |
| 10.0% | $32.535 | $38.282 | $45.796 |
| 11.0% | $26.323 | $30.698 | $36.24 |