XP
XP Inc. Class A Common Stock
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XP (XP) Stock: Buy, Sell, or Hold?
$15.39
+0.58 (+3.95%)
▲
5d:
+1.42%
30d:
-50.97%
90d:
-2.87%
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70/30 Portfolio Builder
Earnings: Nov 16, 2026
3d
Protect XP Gains
Updated Nov 11, 12:00 AM ET
QUANTITATIVE VERDICT
HOLD
LOW Confidence (95%)
Quality Score
62/100
Position
OVERSOLD
30-Day Fair Range
$15.62 – $30.94
Position: OVERSOLD
Forward P/E & Valuation
1.3x
CHEAP
vs 1.6x historical avg
Wall Street Target
$23.10
+50.2% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$13.92 / $15.86
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 HOLD: XP shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$28.63
Based on 8.0% avg growth
INTRINSIC VALUE TODAY
$17.77
13.4% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 1.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: XP is currently trading at $15.38, which is considered oversold relative to its 30-day fair value range of $15.62 to $30.94. From a valuation perspective, the stock is trading at a discount (Forward PE: 1.3) compared to its historical average (1.6). Remarkably, the market is currently pricing in an annual earnings decline of 7.5% over the next few years. This pessimistic expectation contrasts with the company's recent 8.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, XP is in a strong downtrend. Immediate support is located at $13.92, while resistance sits at $15.86. The stock is showing strong short-term momentum, up 4.0% recently.
Market Sentiment: XP scores 92/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $23.10 (+50.2%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, XP is in a strong downtrend. Immediate support is located at $13.92, while resistance sits at $15.86. The stock is showing strong short-term momentum, up 4.0% recently.
Market Sentiment: XP scores 92/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $23.10 (+50.2%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$15.62 -
$30.94
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
95.2%
Trading Range & Key Levels
30-Day Trading Range
$15.62 -
$30.94
Current vs Trading Range
OVERSOLD
Support Level
$13.92
Resistance Level
$15.86
Current Trend
Strong Downtrend
Technical data as of
Nov 11, 2026
Protect Your Profits
Holding XP? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (92/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+4.0%)
- BULLISH: Trading 50.2% below Wall St target ($23.10)
- CAUTION: Bottoming setup, but lagging the sector by 39% over 20 days — wait for relative strength
Fundamental Context
Forward P/E (Next Year Est.)
1.26
Wall Street Target
$23.10
(+50.2%)
Revenue Growth (YoY)
10.6%
Earnings Growth (YoY)
8.6%
Profit Margin
28.5%
Valuation Discount vs History
-7.5% cheaper
PE vs Historical
1.3 vs 1.6
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-7.5%
(market-implied from PE analysis)
1-Year Target
$14.23
(-8%)
2-Year Target
$13.16
(-14%)
3-Year Target
$12.18
(-21%)
3-Yr Target (if PE normalizes)
(PE: 1→2)
$15.45
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 12.0%)
$340.15
(+2111%)
Base:
(SPY PE: 1.3, Growth: 12.0%)
$21.60
(+40%)
Bear:
(PE: 1.1, Growth: 12.0%)
$18.36
(+19%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (8x PE), but valuation improves significantly next year (1x PE) as earnings recover.
Trailing PE: 8.09 | Current EPS (TTM): $1.83
Bull Case
$32.56
(+112%)
Analyst growth 100.0%, PE expands to 8.9
Base Case
$29.60
(+92%)
Market implied 100.0%, PE stable at 8.1
Bear Case
$10.06
(-35%)
Severe decline -20.0%, PE contracts to 6.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 1.3 to 1.6
Stabilization Target:
$19.52
(+26.8%)
PE Expansion Potential:
+26.8%
Share XP Analysis
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (XP)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bullish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Nov 11, 2026
Daily AI digest
AI Retail Discussion Summary:
Traders on StockTwits express bullish sentiment towards $XP, anticipating strong earnings results.
Key Retail Themes:
earnings optimism
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 7:52 PM ET
Data refreshes hourly during market hours. Next update: 8:52 PM
Data refreshes hourly during market hours. Next update: 8:52 PM
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Technical Signals Check
Is XP showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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