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Opinions The Panic-Proof Portfolio (Stockchase Research)
XP Inc.XPTOP PICKNov 13, 2025
Stock price when the opinion was issued
As of Jun 12, 2026. Market Open.
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Premium contentPremium contentWe reiterate XP, a provider of financial and advisory services to clients primarily in Brazil, as a TOP PICK. It trades at 12x earnings, 2.7x book and supports a 22% ROE. We like that recently reported earnings showed strong cash flow, allowing for cash reserves to grow while shares are bought back. The dividend is backed by a payout ratio of 40% of cashflow. We recommend trailing up the stop (from $13.00) to $16.00, looking to achieve $23.50 -- upside potential of 20%. Yield 3.2%
(Analysts’ price target is $23.55)Premium contentXP provides financial services and advisory services to clients primarily in Brazil. Recently reported earnings showed an all time high in net income - growing 18% over the year. Cash reserves are growing on strong cash flows, allowing shares to be bought back. It trades at 10x earnings, 2.2x book and supports a ROE of 22% (impressive for a financial company). Its dividend is backed by a payout ratio of 40% of cash flow. We recommend setting a stop-loss at $13, looking to achieve $22 -- upside potential of 31%. Yield 3.8%
(Analysts’ price target is $22.32)
We reiterate XP, a Brazil-based financial services provider, as a TOP PICK. Its investment into extending customer service and online platform advancements is paying off. It trades at 12x earnings, 2.5x book and supports a 22% ROE. Previously reported earnings show a sizable increase in cash reserves, while shares were bought back. Its dividend is backed by a payout ratio under 10% of cash flow. We continue to recommend a stop at $16, looking to achieve $23 -- upside potential over 17%. Yield 3.3%
(Analysts’ price target is $23.02)