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Stock Ratings / Financials / XP
VIRT (56) SNEX (53) GLXY (25) MKTX (83) ⌘ Pro Terminal →

XP Inc. (XP) — RQD Stock Rating Cockpit

$14.04 -1.75% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $13.97

XP Inc. (XP) carries a Roarable Rating of D (Sell) with 51/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $7.41B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on XP Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is XP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, XP Inc. (NASDAQ: XP) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $14.04 (-1.75% 1D, market cap $7.41B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, XP ranks #614 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does XP compare to VIRT and SNEX in the Financials sector?
▼

Within the Financials sector (Investment Bankers/Brokers/Service), XP carries a Roarable D (51/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, VIRT (Virtu Financial Inc.) holds a D+ grade (56/100 RQD, P/E N/A, ROIC 0.0%, cap $8.34B) and SNEX (StoneX Group Inc.) posts a D+ grade (53/100 RQD, P/E 21.7x, ROIC 1.5%, cap $6.37B). Among the 5-stock peer group, SNEX leads on earnings multiple (21.7x) while MKTX leads on capital efficiency (28.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for XP?
▼

For XP Inc. (XP), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs and sector rank #614 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $13.97 (-0.51%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 4.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 51/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.3% avg 90D alpha vs SPY • 49.7% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510051
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D · Rk D+
Cash (11)Whales (5)SEC (15)Macro (8)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE-3.1% Base Target
$34 Bull$14 Base$11 Bear
📬 FREE XP RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for XP)Realized 20D OHLCV Swing Band: ±11.5%
Deterministic 5-Pillar Attribution (51/100 Composite)
🔍 WHY XP SCORES 51/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (29% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+12/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 60% Net Buy • Cannibal Buyback (-1.24% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning5/20 pts (-15 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
59
Grade C$30.49-0.2% Next Q
Q2 (-2Q)
56
Grade C$30.42-47.1% Next Q
Q3 (-1Q)
54
Grade C-$16.09-12.7% Next Q
Current
51
Grade D$14.04-1.3% Hist 90D α
Trajectory: C (59) → D (51)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a XP Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While XP currently carries a cautious 51/100 (D) rating due to Whale & Options Positioning (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Clean SEC annual filing review with no major hidden accounting time-bombs.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($22.26) and Max Pain ($14.74) forces dealer call-delta covering toward $34.37.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.24% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $XP• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “XP Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
YES 51%NO 49%Trade / Inspect Odds →
RSI-14 MOMENTUMOVERSOLD (<32)
2930 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
7 / 99-Pt Accounting
52-WEEK LASER RANGE2% OF RANGE
L: $14$14.04H: $33
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 17 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 23 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on XP

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (55)

9.9% ROIC with 42.0% gross margin and 2.21% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (42)

17/40 institutional & smart-money positioning score with 8/20 macro alignment.

Bull Case: Why Buyers Like XP
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring XP)

  • ✓Walkthrough of XP's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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Join Founding VIP Waitlist (No Card Required) →$100K Arena
XP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -24.11%🛡️ HOLDING TREND SUPPORT
2026-11-03O $15.05H $15.05L $14.04C $14.04VOL 20.54M
RES: $36.02SUP: $13.70SMA50: $22.26SMA200: $19.17
$34.06$28.56$23.07$17.57$12.07RES $36.02SUP $13.70$14.042026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

XP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 XP Butterfly Map → + Track XP →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
25.3%/yr Implied 5Y Growth

vs. -1.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on XP today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for XP. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for XP today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (XP)

Financials Rank #614 of 1097 ⚔️ VIRT vs XP Full Matrix →

1. Head-to-Head Financials Peer Comparison (XP vs. VIRT, SNEX, GLXY, MKTX)

Industry: Investment Bankers/Brokers/Service (64 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, XP Inc. (XP) ranks #614 by composite RQD confidence (51/100, grade D) and #222 by equity capitalization ($7.41B). Within this direct 5-issuer industry benchmark cohort, SNEX leads on earnings valuation at 21.7x trailing P/E, while MKTX leads on capital efficiency and profitability with 28.4% ROIC and — gross margin. MKTX currently holds the highest overall quantitative score in the immediate peer group at 83/100 (A-) compared with XP at 51/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
XP ACTIVE
XP Inc.
D 51/100 32.8x — 9.9% -1.75% $7.41B Benchmark Subject
VIRT
Virtu Financial Inc.
D+ 56/100 — — 0.0% -0.15% $8.34B /virt-vs-xp →
SNEX
StoneX Group Inc.
D+ 53/100 21.7x — 1.5% +2.04% $6.37B /snex-vs-xp →
GLXY
Galaxy Digital Inc.
E 25/100 — — -5.5% -8.81% $6.25B /glxy-vs-xp →
MKTX
MarketAxess Holdings Inc.
A- 83/100 23.5x — 28.4% +0.11% $5.82B /mktx-vs-xp →

2. XP Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

XP Inc. (XP) operates in Investment Bankers/Brokers/Service (Financials) with an equity capitalization of $7.41B, trailing P/E of 32.8x, forward P/E of 30.5x, and EV/EBITDA of 21.0x. Operating profitability registers a gross margin of —, operating margin of 13.9%, net profit margin of 10.9%, ROIC of 9.9%, and free cash flow yield of 2.21%, alongside an Altman Z-Score of N/A and Piotroski F-Score of 7/9.

3. XP Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is XP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, XP Inc. (NASDAQ: XP) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $14.04 (-1.75% 1D, market cap $7.41B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, XP ranks #614 in composite RQD confidence.

How does XP compare to VIRT and SNEX in the Financials sector?

Within the Financials sector (Investment Bankers/Brokers/Service), XP carries a Roarable D (51/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, VIRT (Virtu Financial Inc.) holds a D+ grade (56/100 RQD, P/E N/A, ROIC 0.0%, cap $8.34B) and SNEX (StoneX Group Inc.) posts a D+ grade (53/100 RQD, P/E 21.7x, ROIC 1.5%, cap $6.37B). Among the 5-stock peer group, SNEX leads on earnings multiple (21.7x) while MKTX leads on capital efficiency (28.4% ROIC).

What are the biggest fundamental strengths and SEC risk factors for XP?

For XP Inc. (XP), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs and sector rank #614 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

Where is XP trading relative to its 50-day, 200-day, and 52-week technical levels?

XP last traded at $14.04 (-1.75% on volume of 14,822,356 shares), positioning the stock -36.93% below its 50-day simple moving average ($22.26) and -26.76% below its 200-day simple moving average ($19.17). Across its 52-week range of $13.78 to $32.73, XP sits at the 1.4% percentile with a 14-day RSI of 29.0 (OVERSOLD (<32)) and an implied next-earnings move of ±11.5% ($12.43 to $15.65).

Direct Sub-Reports: XP RQD Cockpit XP 12M Forecast XP Earnings & Move XP Dividends & DRIP XP Insiders & 13F XP Whale Options XP Profit Sankey XP News & Why
ROARABLE RATING BRIEF • RQD 51/100 (D) ✓ SEC XBRL & RQD VERIFIED

XP — XP Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-11-03

1. Roarable Rating Brief: What This Means to a Prospective Investor

XP Inc. (XP) earns a live Roarable RQD composite score of 51/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $14.04 (-1.75% 1D, market capitalization $7.41B).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 9.9%, gross margin of —, operating margin of 13.9%, and free cash flow yield of 2.21%.
  • Whale 13F & Options Flow (5/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (8/20) + Forensic Balance Sheet (15/20): Incorporates a 1.14x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

XP Inc. (XP) is a NASDAQ-listed issuer in the Financials sector, Investment Bankers/Brokers/Service industry,..8B. Per the market data, operating margin is 13.9% and net margin is 10.9%.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D • RQD 51/100): Clean SEC annual filing review with no major hidden accounting time-bombs. Free cash flow yield of 2.21% and institutional whale pillar of 5/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 5/20, sustained execution supports upside toward the upper end of the $13.78 – $32.73 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 32.8x trailing P/E and 21.0x EV/EBITDA against 13.9% operating margins and a 1.14x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies: — Sector correlations beyond the stated Financials/Investment Bankers/Brokers/Service classification: — Second-order bottlenecks: — The only cross-market linkage referenced in the news feed is the Brazil political catalyst, which is a regional macro sensitivity rather than a mapped supply-chain link.

  • Key Question #1: Can XP sustain or expand its 13.9% operating margin and 9.9% ROIC against Investment Bankers/Brokers/Service peers over the next 4 quarters?
  • Key Question #2: Will free cash flow conversion (2.21% FCF yield) strengthen balance-sheet liquidity (Altman Z-Score N/A) toward the $32.73 52-week high?
  • Key Question #3: How sensitive is XP's 30.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.14x)?

XP Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for XP Inc. (XP) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to XP Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

XP Bull vs. Bear Conversation Board — What's Your Call at $14.04?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON XP 🐻 33% BEARISH CONVICTION
1. Pick Your Side on XP:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $17.01 (+19.0%)
📌 Pinned Debate

The balance sheet is the strongest pillar, with Altman Z 2.5, Piotroski F 7/9, and Debt/Equity 0.5, scoring 15 of 20.

Don't sleep on XP's setup in Financials. The balance sheet is the strongest pillar, with Altman Z 2.5, Piotroski F 7/9, and Debt/Equity 0.5, scoring 15 of 20.. Beta of 1.14 means it moves fast when momentum turns, and the 5-pillar RQD gauge (51/100) backs up the fundamental quality.

RetailWhale_TX 🐂 BULL

@RiskArb_Desk Shorting a 5/20 institutional whale-flow stock at $14.29 is dangerous when funds are rotating into Financials.

RI RiskArb_Desk RQD DEBATE OPENER • Hedged Event Driven 🐻 BEARISH 🎯 Target: $12.00 (-16.0%)
Spot @ $14.29

Whale 13F flow scores only 5 of 20 and the overall RQD sits at 51 with a D grade and a Sell verdict, despite a trailing P/E of 32.8.

Sitting on the sidelines or leaning short XP above $14.29. Whale 13F flow scores only 5 of 20 and the overall RQD sits at 51 with a D grade and a Sell verdict, despite a trailing P/E of 32.8.. Until Fundamental Cash Engine (11/20) and FCF yield (2.21%) inflect higher, upside is capped near $32.73.

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