XP Inc.
XP Inc. is classed by the SEC under Security Brokers, Dealers & Flotation Companies (industry code 6211), based in Grand Cayman, George Town, KY. In its latest annual figures on file, for the fiscal year ended 2024-12-31, it reported revenue of BRL 7.4 billion and a profit of BRL 4.5 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a brokerage business: prior from its industry code (SEC 6211, Security Brokers, Dealers & Flotation Companies); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.3 out of ten, 8 of 9 metrics filed and 1 estimated: past 6.4 out of ten, present 5.2 out of ten, future 4.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 6.7 out of ten. No warning events in its filings since 2019. 67th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 6.6 out of ten. +28.5% a year over 8 filed years; profitable in 8 of 8. 66th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 5.5 out of ten. Share count shrank 1.5% a year. 26% of cash flow returned. Insiders: 1 sales, 0 purchases. 55th percentile among 26 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 4.8 out of ten. ROE 23%: 23¢ of profit per shareholder dollar. Leverage 94%: owes 94¢ per asset dollar. 48th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 5.5 out of ten. top 45% of 29 in its family; net margin 60.8%. 55th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 5.0 out of ten. CrossAssetData estimate 5.0/10, confidence 20 of 100 (family median). 50th percentile among 22 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
- Room to expand (future): 6.2 out of ten. top 38% of 29 in its family for room to expand. 62nd percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 3.4 out of ten. bottom 34% of 29 in its family for growth drivers. 34th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 4.7 out of ten. bottom 47% of 25 in its family for expectations against reality. 47th percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 20-F filed 2026-04-29 for the period ended 2025-12-31 (on EDGAR). Newest filing: Form 4, 2026-09-17. Filings on record since 2019. Read from EDGAR 2026-10-12.
Who runs it
Berenguer, Neto Jose De Menezes (CEO, Banco XP.); Maffra, Thiago Simoes (Chief Executive Officer); Viviani, Gustavo Alejo (Chief Financial Officer); Farinassi, Victor Andreu Mansur (Chief Financial Officer); Da, Silva Guilherme Sant'Anna Monteiro (Distribution & Segments Ofcr); De, Almeida Fabricio Cunha (General Counsel); Dos, Santos Bruno Constantino Alexandre (director); Majolo, Jose Luiz (director); Benchimol, Guilherme Dias Fernandes (director); Botelho, Bernardo Amaral (director); and 6 more. 16 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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