XP PEER ANALYSIS

Xp Inc — metric-by-metric comparison with peers and the industry median

XPXp Inc

🇺🇸 USA · NASDAQ · Financial Services · Capital Markets

Value it Duel

Overall Profile & Returns

· Capital Markets

Position Within Industry

0 = weak quartile, 100 = strong quartile

XPIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	XP	CPU	SOL	HUB	TERA	ISMEN	Ind. Median
P/E	1.62●	26.24	—	65.30	2.15	7.47	18.95
P/B	0.34●	7.01	1.21	12.68	1.74	1.45	2.75
EV/EBITDA	14.14	18.20	—	39.83	0.62	0.48●	10.76
P/S	—	—	—	—	—	—	—

Financial Health
Metric	XP	CPU	SOL	HUB	TERA	ISMEN	Ind. Median
Current Ratio	0.49	2.78	4.83	5.89●	1.55	1.23	1.61
Debt/Equity	366.6%	73.6%	9.6%●	17.0%	26.2%	61.0%	67.0%
NetDebt/EBITDA	12.81	0.47	—	0.21	-1.37	-1.86●	-0.02

Profitability
Metric	XP	CPU	SOL	HUB	TERA	ISMEN	Ind. Median
Net Margin	27.7%●	18.8%	—	23.2%	10.8%	0.4%	9.1%
ROE	22.7%	19.1%	—	19.7%	138.1%●	23.0%	19.1%
ROA	1.4%	7.7%	—	15.8%	45.1%●	5.5%	4.4%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	XP	CPU	SOL	HUB	TERA	ISMEN	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	8.6%	-27.1%	—	80.4%	421.8%●	-11.5%	36.9%
Div. Yield	1.2%	1.8%	2.4%	0.9%	0.0%	12.5%●	1.2%
Payout	19.1%	55.4%	—	43.0%	0.0%	93.2%	23.1%

Valuation
Metric	XP	SF	WULF	RIOT	HLI	SNEX	Ind. Median
P/E	1.62●	9.68	—	—	22.24	21.40	18.95
P/B	0.34	1.38	-108.68●	3.07	4.04	3.67	2.75
EV/EBITDA	14.14	5.57●	—	—	13.18	10.87	10.76
P/S	—	—	—	—	—	—	—

Financial Health
Metric	XP	SF	WULF	RIOT	HLI	SNEX	Ind. Median
Current Ratio	0.49	0.14	1.20	1.08	1.53●	0.88	1.61
Debt/Equity	366.6%	55.3%	-6,746.0%●	36.6%	21.0%	715.7%	67.0%
NetDebt/EBITDA	12.81	-0.03	-3.27	-7.28●	-1.33	6.90	-0.02

Profitability
Metric	XP	SF	WULF	RIOT	HLI	SNEX	Ind. Median
Net Margin	27.7%●	13.5%	-611.5%	-132.8%	16.3%	0.3%	9.1%
ROE	22.7%●	15.3%	—	-32.5%	18.8%	20.2%	19.1%
ROA	1.4%	2.1%	-26.2%	-24.2%	10.5%●	1.1%	4.4%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	XP	SF	WULF	RIOT	HLI	SNEX	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	8.6%	42.1%	—	—	6.5%	56.5%●	36.9%
Div. Yield	1.2%	1.8%●	—	—	1.7%	—	1.2%
Payout	19.1%	28.4%	—	—	40.9%	—	23.1%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.