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XP Financial Ratios 2024-2011 | XP
Brief overview of XP 's valuation multiples
Ratios are assessed across five available annual reports in the 2020–2024 interval.
The current valuation set is P/E 1.56x (median 3.84x), P/B 0.35x (median 0.81x), P/CF 0.63x (median 4.55x). The combined multiple level is about 59.4% below the company's historical norm, suggesting more cautious expectations.
Earnings yield calculated as 1/P/E is about 64.2%, showing current profit per unit of share price.
Current measures of operating quality are ROE 22.5%, ROA 1.3%. Quality ratios send a mostly positive signal: resources are productive, with room for improvement.
Financial-company multiples cannot be compared directly with industrial businesses; P/B and sustainable capital returns remain central.
What the ratios show
XP combines strong fundamental efficiency with valuation below its own five-year norm. The discount merits attention but should be checked against sector and financial risks.
Annual Financial Ratios XP
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
1.6 | 3.1 | 3.8 | 5.0 | 10.9 | 16.4 | - | - | - | - | - | - | - | - |
P/S |
0.9 | 1.9 | 2.3 | 2.9 | 4.5 | 4.9 | - | - | - | - | - | - | - | - |
EPS |
8.3 | 7.2 | 6.4 | 6.4 | 3.8 | 2.1 | 0.9 | 0.9 | - | - | - | - | - | - |
EV (Enterprise Value) |
322 B | 232 B | 184 B | 139 B | 105 B | 53.3 B | 15 B | 5.15 B | - | - | - | - | - | - |
EBITDA per Share |
0.26 | 0.25 | 0.17 | 0.29 | 0.15 | 0.07 | - | - | - | - | - | - | - | - |
EV/EBITDA |
2294.5 | 1737.3 | 1921.7 | 109.7 | -67.8 | 100.4 | - | - | - | - | - | - | - | - |
PEG |
0.04 | - | - | - | 0.66 | 0.69 | - | - | - | - | - | - | - | - |
P/B |
0.4 | 0.6 | 0.8 | 1.3 | 2.1 | 2.5 | - | - | - | - | - | - | - | - |
P/CF |
0.6 | 1.5 | 7.6 | -4.5 | 14.9 | -4.6 | - | - | - | - | - | - | - | - |
ROE % |
22.52 | 20.05 | 21.01 | - | 19.05 | 15.10 | 22.25 | 35.94 | - | - | - | - | - | - |
ROA % |
1.30 | 1.57 | 1.86 | 2.58 | 2.16 | 2.48 | 2.63 | 5.80 | - | - | - | - | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.1 | 1.2 | - | - | - | - | - | - |
All numbers in BRL currency
Quarterly Financial Ratios XP
| 2024-Q4 | 2023-Q4 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
8.3324 | 7.222 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
EBITDA per Share |
0.26 | 0.25 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROE % |
22.52 | 20.05 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROA % |
1.30 | 1.57 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Current Ratio |
1.1 | 1.1 | - | - | - | - | 1.1 | - | - | - | 1.1 | - | - | - | 1.2 | - | - | - | 1.1 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in BRL currency
Multiples are an important financial analysis tool for the company XP , allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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