XP Inc.
XPFinancial Services · Stock · annual payer
Forward Yield
0.96%
Annual Dividend
$0.20
Payout Ratio
20%
5-Yr Growth
—
Ex-Date
Jun 10, 2026
Frequency
Annual
Summary
As of September 2026, XP Inc. (XP) yields 0.96% ($0.20 per share annually), with a blended fair-value estimate of $55.39 — +177% upside, so it screens as undervalued. Dividend safety grade: C (54/100).
Is XP a good dividend stock?
MixedXP Inc. (XP) pays a annual dividend yielding 0.96% ($0.20/yr), with 0 years of growth and a dividend-safety grade of C. The picture is mixed — the dividend pays, but safety or growth signals are weaker than ideal.
Advantages
- Comfortable payout ratio (20%)
Risks
- Cut its dividend in 2025
- Share price is down over the past 5 years
Key Data
- Dividend Yield
- 0.96%
- Payout Ratio
- 20%
- Annual Dividend
- $0.20
- 5-Yr Avg Growth
- —
- Ex-Dividend Date
- Jun 10, 2026
- Years of Growth
- 0
- Frequency
- annual
- Beta
- 1.10
- Market Cap
- $10.5B
- P/E Ratio
- 10.4
- 5-Yr Total Return
- -39%
- 52-Week Range
- $14.80 – $23.13
- Dividend Safety
- C · 54/100
- Ever Cut?
- Yes (2025)
Frequently Asked Questions
XP Price — Last 12 Months
Daily close
Price Return
1 Year
+10%
3 Years
+0%
5 Years
-39%
52-Week Range
$14.80 – $23.13
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is XP worth?
Undervaluedlow confidenceOur blended fair-value estimate for XP Inc. is $55.39 per share, versus a market price of $20.01. That implies 177% of upside — a margin of safety of about 64%.
Fair Value
$55.39
Current Price
$20.01
Upside
+177%
Margin of Safety
64%
How we get there
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 11.1% — below our estimate, leaving room for upside if the business executes.
Assumptions: 9.8% discount rate (CAPM), 11.1% stage-1 growth, 2.5% terminal growth, $1.97 EPS, $0.20 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
XP Dividend Safety Score
Borderline
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
Full XP dividend history →| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jun 10, 2026 | — | $0.2000 | regular |
| Dec 10, 2025 | — | $0.1800 | regular |
| Dec 10, 2024 | — | $0.6500 | regular |
| Dec 12, 2023 | — | $0.7300 | regular |
| Sep 11, 2023 | — | $0.5800 | regular |
Income Calculator
At $0.20 / yr per share
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