Bringing the fundamentals into focus…
Bringing the fundamentals into focus…
XP · against 213 other Banks & Insurance companies of similar size
Ranked #65 of 214 · scores higher than 69% of peers
Bars: peers in each 10-point band of the profitability score22 peers with a profitability score of 70–79, including XP · Click a bar to see the companies
Mainly thanks to its return on equity, which is stronger than most Banks & Insurance peers.
| Metric | XP | Peer median | Better than | Position among peers | Weight |
|---|---|---|---|---|---|
| Return on invested capitalHigher is better · 189 reported | Not reported | 11.0% | — | — | Context only |
| Operating marginHigher is better · 32 reported | -56.7% | 14.9% | 16% | Context only | |
| Return on assetsHigher is better · 214 reported | 1.3% | 1.3% | 49% | 50% | |
| Return on equityHigher is better · 211 reported | 22.6% | 11.8% | 87% | 50% | |
| Gross marginHigher is better · 221 reported | 69.2% | 0.0% | 84% | Context only |
Metrics with no weight are context only: for banks, brokers and insurers, free cash flow, EBITDA, gross margin and current ratio mostly reflect trading and funding flows, not the health of the business.
A metric that is not reported is left out of the score; the other weights are rescaled.
| Rank | Company | Market cap | Profitability | Overall |
|---|---|---|---|---|
| 1 | 79.2B BRL (≈$14.3B) | 98 | 61 | |
| 1 | 11.4B USD | 98 | 66 | |
| 1 | 8.7B USD | 98 | 61 | |
| 1 | 4.4B USD | 98 | 65 | |
| 1 | 5.7B USD | 98 | 91 | |
| 62 | 8.2B AUD (≈$5.4B) | 79 | 63 | |
| 62 | 797.1B INR (≈$9.6B) | 79 | 42 | |
| 62 | 131.49T IDR (≈$8.2B) | 79 | 59 | |
| 65 | 35.3B CNY (≈$4.9B) | 78 | 72 | |
| 65 | 7.4B USD | 78 | 52 | |
| 67 | 12.1B EUR (≈$13.4B) | 77 | 51 | |
| 67 | 6.8B USD | 77 | 48 | |
| 69 | 38.7B CNY (≈$5.4B) | 76 | 82 | |
| 69 | 73.1B BRL (≈$13.2B) | 76 | 71 |
Scores are sector-relative percentiles from the latest snapshot, always calculated against the whole sector: narrowing the comparison group changes who you compare with, not the scores. Missing metrics are left out and the remaining weights rescaled. How we score