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XP Should I Buy

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Intellectia

Should You Buy XP Inc (XP) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion
Buy
Latest Price
20.250
1 Day change
-0.64%
52 Week Range
23.130
Analysis Updated At
2026/04/17
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XP Inc is a good buy for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. The stock shows strong financial growth, positive analyst ratings, and bullish technical indicators, which align well with long-term investment goals.

Technical Analysis

The technical indicators for XP Inc are bullish. The MACD is positive and expanding (0.303), the RSI_6 at 71.587 is neutral, and the moving averages show a bullish trend (SMA_5 > SMA_20 > SMA_200). The stock is trading near its resistance levels, with R1 at 21.243 and R2 at 22.13, indicating potential upward momentum.

Options Data

Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio

Technical Summary

StrongSellSellNeutralBuyStrongBuydotted line Image
Sell
5
Buy
5

Positive Catalysts

  • Analysts have raised price targets recently, with UBS setting a target of $28 and maintaining a Buy rating.

  • The company's financials for Q4 2025 show strong growth in revenue (+11.22% YoY), net income (+9.79% YoY), and EPS (+11.93% YoY).

  • XP Inc has a dominant position in Brazil's wealth management market, as highlighted by Jefferies.

Neutral/Negative Catalysts

  • Hedge funds are selling the stock, with a significant increase of 288.80% in selling activity over the last quarter.

  • No recent news or congress trading data to provide additional sentiment or political support.

Financial Performance

In Q4 2025, XP Inc demonstrated strong financial performance with revenue increasing to $4.94 billion (+11.22% YoY), net income rising to $1.29 billion (+9.79% YoY), and EPS improving to 2.44 (+11.93% YoY). This reflects consistent growth and profitability.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Analysts are positive on XP Inc. UBS raised the price target to $28 with a Buy rating, while Jefferies initiated coverage with a Buy rating and a $22 target. BofA raised its target to $26 but maintained a Neutral rating, citing revenue growth estimates slightly below company guidance.

Wall Street analysts forecast XP stock price to rise
3 Analyst Rating
Wall Street analysts forecast XP stock price to rise
2 Buy
1 Hold
0 Sell
Moderate Buy
Current: 20.380
sliders
Low
22
Averages
24.33
High
26
Current: 20.380
sliders
Low
22
Averages
24.33
High
26
UBS
Buy
maintain
$25 -> $28
AI Analysis
2026-04-02
Reason
UBS
Price Target
$25 -> $28
AI Analysis
2026-04-02
maintain
Buy
Reason
UBS raised the firm's price target on XP Inc. to $28 from $25 and keeps a Buy rating on the shares.
BofA
analyst
Neutral
maintain
$22 -> $26
2026-03-02
Reason
BofA
analyst
Price Target
$22 -> $26
2026-03-02
maintain
Neutral
Reason
BofA raised the firm's price target on XP Inc. to $26 from $22 and keeps a Neutral rating on the shares. Management reiterated its gross revenue guidance for 2026 during the Q4 conference call, which suggests significant revenue growth acceleration ahead, notes the analyst. While the firm lifted its revenue growth estimates and expects 12% growth in 2026, it adds that this remain 5% below the bottom of the company's guidance.
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