XP (XP) After Its AI Procurement Shift Looks Undervalued Under The Main Narrative

Simply Wall St.07-17

XP (NasdaqGS:XP) is drawing fresh attention after XP Investimentos reported that over 99% of corporate spend now flows through an integrated, AI supported procurement platform. The shift is aimed at ...

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The shift is aimed at ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/diversified-financials/nasdaq-xp/xp/news/xp-xp-after-its-ai-procurement-shift-looks-undervalued-under\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>XP (XP) After Its AI Procurement Shift Looks Undervalued Under The Main Narrative</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nXP (XP) After Its AI Procurement Shift Looks Undervalued Under The Main Narrative\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-07-17 15:17 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/diversified-financials/nasdaq-xp/xp/news/xp-xp-after-its-ai-procurement-shift-looks-undervalued-under><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>XP (NasdaqGS:XP) is drawing fresh attention after XP Investimentos reported that over 99% of corporate spend now flows through an integrated, AI supported procurement platform. The shift is aimed at ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/diversified-financials/nasdaq-xp/xp/news/xp-xp-after-its-ai-procurement-shift-looks-undervalued-under\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU0047713382.USD","symbol_name":"BGF EMERGING MARKETS \"A2\" ACC","start_time":0,"source_url":"https://simplywall.st/stocks/us/diversified-financials/nasdaq-xp/xp/news/xp-xp-after-its-ai-procurement-shift-looks-undervalued-under","article_id":"2652040878","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7132000-choice1-main-header/1585186724276"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/diversified-financials/nasdaq-xp/xp/news/xp-xp-after-its-ai-procurement-shift-looks-undervalued-under","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2652040878","pubTimestamp":1784272636,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"XP (NasdaqGS:XP) is drawing fresh attention after XP Investimentos reported that over 99% of corporate spend now flows through an integrated, AI supported procurement platform. The shift is aimed at tighter cost control and supplier risk management.\nSee our latest analysis for XP.\nXP's recent AI procurement update comes as the stock trades at US$16.68, with a 30 day share price return of 6.38%, a 90 day share price decline of 20.95%, and a 1 year total shareholder return decline of 5.82%...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"LU0047713382.USD":"BGF EMERGING MARKETS \"A2\" ACC","AGIX":"通用人工智能 ETF-AGIX","LU1051769294.HKD":"BGF EMERGING MARKETS EQUITY INCOME \"A6\"(HKDHDG) INC","VTHR":"Vanguard Russell 3000 ETF","LU0651946864.USD":"贝莱德新兴市场股票收益A2","ARTY":"ISHARES FUTURE AI & TECH ETF","LU0651947912.USD":"BGF EMERGING MARKETS EQUITY INCOME \"A5G\" (USD) INC","LU1051768304.USD":"贝莱德新兴市场股票收益A6","CHAT":"ROUNDHILL GENERATIVE AI & TECHNOLOGY ETF","LU0050427557.USD":"富达拉丁美洲基金","BK4585":"ETF&股票定投概念","LU1515016050.SGD":"Blackrock Emerging Markets Equity Income A6 SGD-H","LU0572108347.SGD":"Blackrock Latin American A2 SGD-H","BK4127":"投资银行业与经纪业","QTOC":"Innovator Growth Accelerated Plus ETF - October","LU0196696453.USD":"HSBC GIF BRAZIL EQUITY \"AC\" (USD) ACC","LU0531971322.HKD":"HSBC GIF BRAZIL EQUITY \"AD\" (HKD) INC","XP":"XP Inc.","LU0072463663.USD":"Blackrock Latin American A2 USD","AIPO":"Defiance AI and Power Infrastructure ETF","LU1861220207.SGD":"Blackrock FinTech A2 SGD-H","LU0196696701.USD":"HSBC GIF BRAZIL EQUITY \"AD\" (USD) INC","LU1861217088.USD":"贝莱德金融科技A2","LU0788109048.HKD":"BGF LATIN AMERICAN \"A2\" (HKDHGD) ACC"},"translate_title":"人工智能采购转变后的 XP (XP) 在主要叙述下看起来被低估了","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"VTHR":1.5,"QTOC":1.5,"XP":1.5,"AIPO":1.5,"ARTY":1.5,"CHAT":1.5,"AGIX":1.5},"content_text":"XP (NasdaqGS:XP) is drawing fresh attention after XP Investimentos reported that over 99% of corporate spend now flows through an integrated, AI supported procurement platform. The shift is aimed at tighter cost control and supplier risk management. See our latest analysis for XP. XP's recent AI procurement update comes as the stock trades at US$16.68, with a 30 day share price return of 6.38%, a 90 day share price decline of 20.95%, and a 1 year total shareholder return decline of 5.82%. This indicates pressure on longer term holders despite modest year to date gains. If you are looking beyond XP to see where technology and finance intersect, this is a useful moment to scan the market via our 62 profitable AI stocks that aren't just burning cash After XP's recent AI driven procurement shift and share price rebound, the key issue now is whether most of the repricing has already happened or if the current valuation still leaves meaningful upside ahead for new capital. AdvertisementMost Popular Narrative: 30% Undervalued XP's most followed valuation narrative points to a fair value of $23.97 per share, which sits well above the current $16.68 trading price, putting the recent AI procurement update in the context of a stock that models still see as materially discounted.  XP's continued diversification of its product suite including early stage growth in insurance, retirement, cards, FX, global investments, and the newly launched consortium business enables deeper client cross sell and higher revenue per customer, pointing to meaningful top line expansion and improved earnings resiliency.  Read the complete narrative. Curious what powers that fair value gap for XP? The narrative leans heavily on steady revenue compounding, firm margins and a future earnings multiple that still sits below industry levels. Result: Fair Value of $23.97 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, XP's thesis could be tested if fee compression accelerates or if rising marketing and technology spend outpaces revenue, which would put pressure on margins and valuation assumptions. Find out about the key risks to this XP narrative. Next Steps If this XP story so far sounds constructive, it is worth moving quickly to review the underlying numbers and pressure test the optimism yourself. To understand what the market is currently rewarding, take a closer look at the 5 key rewards. Looking for more investment ideas beyond XP? XP may be front of mind today, but your next opportunity could sit elsewhere. You will only see it if you keep scanning the market with discipline.  Spot potential bargains early by reviewing companies that rank highly on value and quality using our 49 high quality undervalued stocks. Prioritize capital preservation while still seeking upside by checking companies with lower risk profiles through the 82 resilient stocks with low risk scores. Hunt for underfollowed opportunities that the crowd may be missing via the screener containing 20 high quality undiscovered gems.   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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