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.
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.

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.
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.
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.
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.