XP Inc is a Cayman Island-based technology-driven financial services platform. It is a provider of low-fee financial products and services in Brazil. The company evaluates its business through a single segment such as monitoring operations, making decisions on fund allocation, and evaluating the performance. It generates revenue through the Brokerage commission.

Financial Strength

3/10

Name	Current	Vs Industry
Cash-To-Debt	0.94
Equity-to-Asset	0.07
Debt-to-Equity	2.83
Debt-to-EBITDA	9.47
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	0.17	Distress Grey Safe
Beneish M-Score	-2.9	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	12
	3-Year EBITDA Growth Rate	25.6
	3-Year EPS without NRI Growth Rate	-100.1
	3-Year FCF Growth Rate	91.4
	3-Year Book Growth Rate	25.1
	Future 3-5Y Total Revenue Growth Rate Estimate	42.86

Momentum Rank

4/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	84.51
	9-Day RSI	70.81
	14-Day RSI	63.55
	6-1 Month Momentum %	-22.15
	12-1 Month Momentum %	-27.21

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	0.91
	Quick Ratio	0.91
	Cash Ratio	0.38
	Days Sales Outstanding	31.94
	Days Payable	44.33

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	3.78
	Dividend Payout Ratio	0.86
	Forward Dividend Yield %	6.92
	5-Year Yield-on-Cost %	3.8
	3-Year Average Share Buyback Ratio	1.4
	Shareholder Yield %	-20.1

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	14.04
	Operating Margin %	-53.78
	Net Margin %	58.78
	FCF Margin %	68.3
	ROE %	21.57
	ROA %	1.65
	ROIC %	-1.5
	3-Year ROIIC %	-3.11
	ROC (Joel Greenblatt) %	845.86
	ROCE %	3.86
	Years of Profitability over Past 10-Year	8

GF Value Rank

4/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	12.83
	Forward PE Ratio	11.16
	Price-to-Owner-Earnings	17.3
	PS Ratio	7.54
	PB Ratio	2.84
	Price-to-Tangible-Book	3.27
	Price-to-Free-Cash-Flow	10.92
	Price-to-Operating-Cash-Flow	10.37
	EV-to-EBIT	10.63
	EV-to-Forward-EBIT	10.43
	EV-to-EBITDA	10.08
	EV-to-Forward-EBITDA	9.89
	EV-to-Revenue	7.74
	EV-to-Forward-Revenue	3.21
	EV-to-FCF	11.27
	Price-to-Projected-FCF	2.66
	Earnings Yield (Greenblatt) %	9.41
	FCF Yield %	9.38
	Forward Rate of Return (Yacktman) %	21.44

GF Value: €36.04

FRA:XP9

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