XP Total Return Calculator
$10,000 since Dec 2019, with and without reinvesting · data through Oct 2026
Since Dec 2019, $10,000 became $4,217 reinvested (-11.9% a year), or $4,366 taking the dividends as cash, $656 of it paid out along the way.
XP became
$4,217
S&P 500: $25,824
Return a year
-11.9%
S&P 500: 14.9%
Payouts reinvested
$683
bought more shares
Worst drop
-76.0%
S&P 500: -23.9%
$10,000, Dec 2019 to Oct 2026
Payouts reinvested · S&P 500 reinvested
| Year | XP total return | Paid out | S&P 500 |
|---|---|---|---|
| 2026 (part) | −11.6% | $65 | +11.7% |
| 2025 | +39.6% | $55 | +17.7% |
| 2024 | −52.2% | $171 | +24.9% |
| 2023 | +79.6% | $374 | +26.2% |
| 2022 | −46.6% | $10 | −18.2% |
| 2021 | −27.6% | $4 | +28.7% |
| 2020 | +3.0% | $4 | +18.3% |
"Paid out" is what your holding received that year. Month-end prices; no costs or taxes.
Key facts: XP total return
Data as of · Source: SmarterDividends data
- $10,000 invested in XP at the end of Dec 2019, with dividends reinvested, was worth $4,217 at the end of Oct 2026: -11.9% a year, against $25,824 (14.9% a year) in the S&P 500.
- Over the 5 years to Oct 2026, XP returned -13.1% a year with dividends reinvested (S&P 500: 12.0%).
- Taking XP's dividends as cash instead of reinvesting them, the same $10,000 ended at $4,366, including $656 of cash received; reinvesting added $0.
- XP's best calendar year in that time was 2023 (79.6%) and its worst 2024 (-52.2%), with dividends reinvested.
Cite this page
SmarterDividends, "XP Total Return Calculator," updated Nov 5, 2026, https://smarterdividends.com/stocks/XP/total-return
XP total return questions
What is XP's total return since Dec 2019?
-58% in total, or -11.9% a year, through Oct 2026 with dividends reinvested. The share price alone fell 63%.
What was XP's worst year?
2024, at -52.2% with dividends reinvested (S&P 500: 24.9%). Its deepest fall from a peak, on month-end values, was -76.0%.
How is total return calculated here?
From month-end prices: the adjusted price counts every dividend reinvested in the month it was paid; the plain price doesn't. The S&P 500 is SPY with its dividends reinvested. No trading costs or taxes.