Three independent discounted-cash-flow-style models value XP Inc. every trading day. 1 of 3 currently price XP above its market price.
| Free Cash Flow model | $-24.24 |
| Excess Profit model | $-516.42 |
| Residual Earnings model | $76.90 |
| Dividend Discount model | $1.79 |
| Piotroski F-Score | 7 / 9 |
| Return on invested capital | +4.0% |
| Net debt / EBITDA | — |
| Gross margin | +26.0% |
| Revenue CAGR | +10.3% |
| Cash conversion | 2.3× |
| Dividend yield | +0.7% |
| Buyback yield | +3.5% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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