XP (NasdaqGS:XP) Valuation Check After Strong 2025 Results And AI‑Driven Efficiency Gains

Simply Wall St.02-24

XP (NasdaqGS:XP) is back in focus after reporting fourth quarter and full year 2025 results, with higher revenue and net income than a year earlier, alongside continued customer growth and AI driven ...

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See our latest analysis for XP. XP’s recent earnings update and the fresh US$215.6m shelf registration come against a share price of US$21.69, with a 34.05% year to date share price return and a 50.47% total shareholder return over one year, while the five year total shareholder return of 44.85% decline shows that recent momentum contrasts with a weaker long run picture. If XP’s move catches your eye and you are wondering what else could be gaining traction from new technology in finance, it may be worth scanning our list of 59 profitable AI stocks that aren't just burning cash as a starting point for further ideas. With XP trading at US$21.69, alongside double-digit annual revenue and net income growth and a modest discount to some valuation estimates, is this a genuine opening or is the market already pricing in future growth? AdvertisementMost Popular Narrative: 9.2% Undervalued XP’s widely followed narrative sets a fair value of $23.89 against the last close of $21.69, framing the current price as below that reference point.  Investment in scalable, technology-driven platforms and efficiency enhancements has produced steady improvements in operational leverage and expanding net margins. As XP grows, further margin gains are considered to be associated with disciplined cost structures and self-reinforcing profitability trends.  Read the complete narrative. Curious what kind of revenue trajectory, margin shape, and future earnings multiple sit behind that fair value tag? The full narrative spells out the math. Result: Fair Value of $23.89 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, those assumptions can be knocked off course if fee pressure intensifies or if higher marketing and technology spend weighs on margins more than expected. Find out about the key risks to this XP narrative. Next Steps All this might sound either reassuring or a bit cautious, but the real call is yours. Act while the details are fresh and check out 4 key rewards to see what is getting investors optimistic. Looking for more investment ideas? If XP has sparked your interest, do not stop there, broaden your watchlist with a few focused screens that can surface opportunities you might otherwise miss.  Target stability first by checking companies in our 80 resilient stocks with low risk scores that score well on resilience and may help steady your overall portfolio. Spot potential value by scanning 56 high quality undervalued stocks where solid fundamentals meet prices that some investors might view as appealing compared to underlying metrics. Hunt for future standouts by reviewing our screener containing 23 high quality undiscovered gems that many investors may not yet be watching closely.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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