엑스피(XP) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

XP Inc

7월 27일 4:00 PM ET (한국 7/28 05:00)

$16.75

+0.06 ▲ +0.36%

🌙 7월 27일 5:37 PM ET (한국 7/28 06:37)

$16.70

-0.04 ▼ -0.24%

엑스피(XP) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$8.7B

스몰캡

P/E

9.2

저평가 구간

배당수익률

5.59%

52주 위치

23%

저점 +13% · 고점 -28%

애널리스트

적극 매수

Fundamental health

vs. 성장주 중형주

수익성

Top 30%

성장

Top 53%

밸류에이션

Top 77%

재무 안정

Top 64%

Index ⓘ	-	P/E ⓘ	9.19	EPS (ttm) ⓘ	1.82	Insider Own ⓘ	25.28%	Shs Outstand ⓘ	414.9M	Perf Week ⓘ	-0.3%
Market Cap ⓘ	8.66B	Forward P/E ⓘ	7.18	EPS next Y ⓘ	14.34%	Insider Trans ⓘ	-	Shs Float ⓘ	386.3M	Perf Month ⓘ	6.15%
Enterprise Value ⓘ	24.33B	PEG ⓘ	0.69	EPS next Q ⓘ	0.51	Inst Own ⓘ	62.35%	Short Float ⓘ	5.05%	Perf Quarter ⓘ	-15.15%
Income ⓘ	0.96B	P/S ⓘ	2.49	EPS this Y ⓘ	5.78%	Inst Trans ⓘ	-6.29%	Short Ratio ⓘ	3.36	Perf Half Y ⓘ	-17.04%
Sales ⓘ	3.48B	P/B ⓘ	1.83	EPS next 5Y ⓘ	10.46%	ROA ⓘ	1.37%	Short Interest ⓘ	19.51M	Perf YTD ⓘ	2.32%
Book/sh ⓘ	9.16	P/C ⓘ	5.14	EPS past 3/5Y ⓘ	12.04% 19.21%	ROE ⓘ	22.94%	52W High ⓘ	-27.58% ($23.13)	Perf Year ⓘ	1.15%
Cash/sh ⓘ	3.26	P/FCF ⓘ	1.06	Sales past 3/5Y ⓘ	7.89% 15.03%	ROIC ⓘ	18.06%	52W Low ⓘ	13.18% ($14.80)	Perf 3Y ⓘ	-36.55%
Dividend Est. ⓘ	$0.94 (5.59%)	EV/EBITDA ⓘ	20.87	EPS Y/Y TTM ⓘ	17.87%	Gross Margin ⓘ	68.6%	Volatility(W/M) ⓘ	2.63% 3.27%	Perf 5Y ⓘ	-58.7%
Dividend TTM ⓘ	0.38	EV/Sales ⓘ	6.99	Sales Y/Y TTM ⓘ	10.28%	Oper. Margin ⓘ	31.86%	ATR (14) ⓘ	0.55	Perf 10Y ⓘ	-
Dividend Ex-Date ⓘ	2026/6/10	Quick Ratio ⓘ	0.29	EPS Q/Q ⓘ	21.12%	Profit Margin ⓘ	27.72%	RSI (14) ⓘ	52.53	Recom ⓘ	1.33
Dividend Gr. 3/5Y ⓘ	-	Current Ratio ⓘ	0.29	Sales Q/Q ⓘ	19.3%	SMA20 ⓘ	1.29% ($16.54)	Beta ⓘ	1.12	Target Price ⓘ	$23.63
Payout ⓘ	0.01%	Debt/Eq ⓘ	3.67	Earnings ⓘ	2026/5/18	SMA50 ⓘ	2.32% ($16.37)	Rel Volume ⓘ	0.54	Prev Close ⓘ	$16.69
Employees ⓘ	8069	LT Debt/Eq ⓘ	0.13	EPS/Sales Surpr. ⓘ	-0.76% -0.7%	SMA200 ⓘ	-7.52% ($18.11)	Avg Volume(3M) ⓘ	5.81M	Price ⓘ	$16.75
IPO ⓘ	2019/12/11	Option/Short ⓘ	Yes/Yes			Trades ⓘ	17560	Volume ⓘ	3,153,799	Change ⓘ	0.36%

Quarterly earnings trend Quarterly earnings data is not yet available — foreign-listed companies (ADRs) only file annual reports with the U.S., and recently listed companies may not have filed their first quarterly report.

📊 XP Inc (XP) Investment Analysis

What kind of company is XP Inc?

엑스피(XP) 성장주

Financial · Capital Markets

#1033 by Market Cap — Mid-Cap

📊 The company operates as a technology-driven investment and financial platform in Brazil. It runs an open investment platform that combines low-cost brokerage services with a wide range of investment products, along with wealth management and banking services, positioning it as a capital markets stock whose performance is tied to the growth of Brazil's retail investor base and client assets.

Learn more about XP Inc →

Market Cap

$8.7B

Approx. KRW 11.9 trillion

⚖️ 3% of Samsung Electronics

Market Cap Rank1033

Employees8,069people

IPO2019/12/11

Current Price$16.75 ≈ 22,948원

NASD · Brazil

Key Events

⏰ Upcoming events

🔔 Earnings release

The next release date has not been announced yet.

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🎯 Ex-div 2026년 6월 10일 (수) 주당 $0.2

🔔 Earnings release 2026년 5월 18일 (월) · 장 마감 후 EPS -0.8% 매출 -0.7%

🔔 Earnings release 2026년 2월 12일 (목) · 장 마감 후 EPS +2.6% 매출 +3.6%

🎯 Ex-div 2025년 12월 10일 (수) 주당 $0.18

Is it profitable?

Profitable but financially weak

High debt load may weigh on results in a downturn

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

31.9%

✓ 우수

My positionTop 25%

Low range Average High range

Capital Markets 중형주 Median 18.3% · Top 24%

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

27.7%

✓ 우수

My positionTop 25%

Low range Average High range

Capital Markets 중형주 Median 8.7% · Top 9%

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

Gross Margin

Profit after subtracting raw-material costs only (signals product competitiveness)

68.6%

✓ 평균

My positionMid-range

Low range Average High range

Capital Markets 중형주 Median 74.2% · Bottom 48%

💡 제조업 30%, IT/소프트웨어 50% 이상이면 우수 (업종별 편차 큼)

ROE

Annual return earned on shareholders' equity (15%+ is strong)

22.9%

✓ 우수

My positionTop 25%

Low range Average High range

Financial 중형주 Median 12.1% · Top 20%

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

1.4%

✓ 평균

My positionMid-range

Low range Average High range

Financial 중형주 Median 1.5% · Bottom 40%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

18.1%

✓ 우수

My positionTop 25%

Low range Average High range

Financial 중형주 Median 8.4% · Top 15%

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

3.67

✓ Very high debt

My positionBottom 25%

Low range Average High range

Capital Markets Median 0.39

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.29

✓ 위험

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

Quick Ratio

Liquid assets excluding inventory, available for immediate use

0.29

✓ 위험

💡 1.0 이상이면 안전, 0.5 미만이면 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Positive Outlook

Price targets, growth, and valuation are favorable

애널리스트 목표가

$23.63

현재가 대비 +41.1%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

7.18배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

PEG (성장 반영 밸류)

0.69

저평가

💡 PEG < 1 — 성장 대비 저렴

내년 EPS 예상 성장률

+14.3%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

5년 EPS 예상 연평균

+10.5%

💡 장기 성장 전망. 15% 이상이면 고성장 기업

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

Average Earnings Performance

Mixed beats and misses

예상 상회

예상 부합

예상 하회

50%

상회 비율

+0.3%

평균 서프라이즈

2026.05.18

하회

실적 $2.49 · 예상 $2.53 -1.7%

2026.02.12

상회

실적 $2.56 · 예상 $2.50 +2.4%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Growth Expected to Slow

Historical growth is expected to lose momentum

Healthy, Balanced Growth EPS and revenue are both growing steadily — a sustainable growth profile

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

+5.8%

부진

My positionBottom 25%

Low range Average High range

성장주 중형주 Median 13.7% · Bottom 22%

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+14.3%

평균

My positionMid-range

Low range Average High range

성장주 중형주 Median 15.1% · Bottom 46%

5-Year EPS CAGR Outlook

Projected average annual EPS growth over the next 5 years

+10.5%

부진

My positionBottom 25%

Low range Average High range

성장주 중형주 Median 15.9% · Bottom 13%

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

+12.0%

양호

My positionMid-range

Low range Average High range

성장주 중형주 Median 8.2% · Top 44%

Past 5-Year EPS

Actual average annual EPS growth over the past 5 years

+19.2%

양호

My positionMid-range

Low range Average High range

성장주 중형주 Median 13.1% · Top 40%

Past 5-Year Revenue

How much revenue grew over the past 5 years

+15.0%

양호

My positionMid-range

Low range Average High range

성장주 중형주 Median 10.6% · Top 34%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+19.3%

양호

My positionMid-range

Low range Average High range

성장주 중형주 Median 11.1% · Top 30%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Long-term weakness — -127%p below the market

XP -58.7% · S&P 500 +68.3%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

-127.0%p

Significantly behind the market

1-year basis

vs S&P 500

-14.9%p

behind the market

Rank among peers

5-year return Lowest among peers Based on 13 peers

1-year return Upper-Mid (48%) Based on 15 peers

Current position within 52-week range

Low (-13.2%p) High (-27.6%p)

Current price is 13.2% above the 52-week low and 27.6% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-34.9%

Annualized volatility

51.4%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 137-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🟢

Current diagnosis · 2026-07-27

Uptrend zone

Current price $16.75 above the midline ($16.54). Normal upward flow. Inside the Ichimoku cloud (neutral).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟢

Current diagnosis · 2026-07-27

Bullish momentum holding

MACD 0.148 > Signal 0.097 in positive zone + Hist positive (+0.050). Trend in progress.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢

Current diagnosis · 2026-07-27

Bullish zone

RSI 52.5 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 73.2.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Cheaper than peers in its industry

Cheap on Vs. Earnings·Vs. Assets·Vs. Sales, In line with peers on Vs. Cash Flow

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Cheap

🏢 Vs. Assets Cheap

🧾 Vs. Sales Cheap

💧 Vs. Cash Flow Mid-range

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

9.19x

✓ Very cheap

My positionTop 25%

Low range Average High range

Capital Markets median 17.34x · Top 17% — relatively cheap within the industry

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

7.18x

✓ Very cheap

My positionTop 25%

Low range Average High range

Capital Markets median 13.60x · Top 13% — relatively cheap within the industry

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

1.83x

✓ Very cheap

My positionTop 5%

Low range Average High range

Capital Markets 중형주 median 3.75x · Top 1% — relatively cheap within the industry

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

2.49x

✓ Cheap

My positionMid-range

Low range Average High range

Capital Markets 중형주 median 2.94x · Around the industry average

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

EV/EBITDA Enterprise Value Multiple

Total enterprise value ÷ operating cash earnings — a benchmark for M&A

20.87x

✓ Pricey

My positionMid-range

Low range Average High range

Capital Markets median 11.11x · Around the industry average

💡 EV/EBITDA 10 이하 저평가, 20 이상이면 고평가 (M&A 밸류 기준)

💧 Vs. Cash Flow

P/FCF Price-to-Free-Cash-Flow Ratio

Price vs. actual cash generation — lower means more efficient

1.06x

✓ Very cheap

My positionTop 5%

Low range Average High range

Capital Markets median 12.14x · Top 1% — relatively cheap within the industry

💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)

Analyst target price (reference)

$23.63 vs. current price +41.1%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Capital Markets

Who owns it?

Ownership backdrop is unfavorable

Institutional net selling -6.3% · Short interest moderate 5.0% · Short interest up +1.3pp over last 90d

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

0.0%

Insiders little change

🏦 Institutions (funds & investors)

-6.3%

Institutions net selling

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 62.4%

Adequate institutional weight

Financial 중형주 Median 76.4%

🧑‍💼 Insiders 25.3%

Founder/management large holders (strong skin-in-the-game)

Financial 중형주 Median 3.1%

👤 Retail investors (estimated) 12.4%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

5.0%

Moderate

Financial 중형주 Median 5.1%

Past 90 days 📈 +1.3%p increase

Short interest days to cover

3.4 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 414.9M주

Float (tradable shares) 386.3M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding XP

ETFs with the highest weightings · 10 total shown

FMQQ

FMQQ The Next Frontier Internet ETF

3.60%

$20M

EPEM

Harbor Emerging Markets Equity ETF

2.23%

$8M

OTGL

OTG Latin America ETF

2.08%

$29M

BHDG

Nicholas Bitcoin Tail ETF

1.90%

$21M

EWZ

iShares MSCI Brazil ETF

1.56%

$9.1B

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

고배당주 — 연 5.59% 배당

Dividend Yield

5.59%

Industry average 2.62%

Dividend Per Share

$0.94

Annualized

Payout Ratio

Share of net income paid as dividends

5-Year Growth

Annualized dividend growth

📅 지급월 12월

📊 총 이력 2023~2025 (4건)

연도별 배당 총액 추이

주당 배당금을 연 단위로 합산한 금액입니다. 막대가 우상향이면 매년 배당이 늘어나고 있다는 뜻입니다.

$1.31

2023

$0.65 -50.4%

2024

$0.18 -72.3%

2025

$X.XX 그 해 총 배당금 +X% 전년 대비 증가 -X% 감소

최근 배당 이력 총 4건

아래로 스크롤하면 과거 배당 이력을 볼 수 있습니다.

배당락일

주당 금액

지급일

당시 수익률

2025-12-10

$0.180

—

4.65%

2024-12-10

$0.650

—

10.67%

2023-12-12

$0.730

—

5.84%

2023-09-11

$0.580

—

2.33%

* "배당락일"은 배당받으려면 이 날 이전에 주식을 보유해야 하는 기준일입니다. 지급일·당시 수익률은 일부 종목에서 데이터가 없을 수 있습니다.

💰 내가 100만원 투자한다면

연간 배당금 (세후) 4.8만원

5년 누적 (세후) 23.9만원

* 환율 1,370원, 세금 15% 반영. 5년 누적은 배당 성장률 연 0% 가정.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
XP This Stock	$8.7B	9.2 ▲	1.8 ▼	22.94% ▲	5.59% ▲	+0.4%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

Derivative ETFs for XP

Leveraged, inverse, and covered call ETFs based on the underlying asset

9 derivative ETFs based on XP (Leverage 7 · Inverse 2)

These are based on the same underlying asset but carry a completely different risk and return profile. Please review the warning below first.

ℹ️ What is a Derivative ETF?

These are special ETFs that amplify, reverse, or monetize the price movement of an underlying ETF or security. Leveraged ETFs aim for 2–3× the daily move, Inverse ETFs target opposite-direction returns, and Covered Call ETFs generate monthly income from option premiums.

⚠️ Caution: Long-Term Holding

Leveraged and inverse ETFs track only the daily return. With high volatility, holding them for longer periods causes cumulative volatility decay—returns diverge further from the underlying index. They are meant for short-term trading.

📈 Leverage 7 ETFs that move 2-3x with XP (high volatility)