VINP
Vinci Compass Investments Ltd.
Asset Management
Market Cap$529M
5Y Perf.-36.4%
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Stock Comparison
VINP vs XP
Revenue, margins, valuation, and 5-year total return — side by side.
XP
XP Inc.
Financial - Capital Markets
Market Cap$7.80B
5Y Perf.-56.9%
VINP vs XP — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | VINP | XP |
|---|---|---|
| Industry | Asset Management | Financial - Capital Markets |
| Market Cap | $529M | $7.80B |
| Revenue (TTM) | $958M | $19.87B |
| Net Income (TTM) | $288M | $5.05B |
| Gross Margin | 94.1% | 9.5% |
| Operating Margin | 38.9% | -19.7% |
| Forward P/E | 2.1x | 1.7x |
| Total Debt | $127M | $115.13B |
| Cash & Equiv. | $280M | $5.61B |
VINP vs XP — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
VINP
XP
| Stock | Jan 21 | May 26 | Return |
|---|---|---|---|
| Vinci Compass Inves… (VINP) | 100 | 63.6 | -36.4% |
| XP Inc. (XP) | 100 | 43.1 | -56.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: VINP vs XP
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: XP leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Vinci Compass Investments Ltd. is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
VINP
Vinci Compass Investments Ltd.
The Banking Pick
VINP is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.97, yield 5.7%
- Rev growth 44.1%, EPS growth 50.0%
- -15.9% 10Y total return vs XP's -39.2%
Best for: income & stability and growth exposure
XP
XP Inc.
The Banking Pick
XP carries the broadest edge in this set and is the clearest fit for value and quality.
- Lower P/E (1.7x vs 2.1x)
- Efficiency ratio 0.3% vs VINP's 0.6% (lower = leaner)
- +19.8% vs VINP's +17.3%
Best for: value and quality
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | VINP | 44.1% NII/revenue growth vs XP's 34.1% |
| Value | XP | Lower P/E (1.7x vs 2.1x) |
| Quality / Margins | XP | Efficiency ratio 0.3% vs VINP's 0.6% (lower = leaner) |
| Stability / Safety | VINP | Beta 0.97 vs XP's 1.67, lower leverage |
| Dividends | VINP | 5.7% yield, vs XP's 4.0% |
| Momentum (1Y) | XP | +19.8% vs VINP's +17.3% |
| Efficiency (ROA) | XP | Efficiency ratio 0.3% vs VINP's 0.6% |
VINP vs XP — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLVINPLAGGINGXP
XPXP Inc.
1leads
VINPVinci Compass Investm…
4leads
6 Total Categories
CATEGORYLEADERvs XPMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
VINP3/5
Valuation MetricsMultiples, price ratios, and targets
XP4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
VINP8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
VINP4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
VINP1/1
Income & Cash Flow (Last 12 Months)
VINP leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
XP is the larger business by revenue, generating $19.9B annually — 20.7x VINP's $958M. Profitability is closely matched — net margins range from 22.7% (XP) to 22.3% (VINP).
| Metric | VINPVinci Compass Inv… | XPXP Inc. |
|---|---|---|
| RevenueTrailing 12 months | $958M | $19.9B |
| EBITDAEarnings before interest/tax | $32M | -$1.7B |
| Net IncomeAfter-tax profit | $288M | $5.1B |
| Free Cash FlowCash after capex | $226M | $17.9B |
| Gross MarginGross profit ÷ Revenue | +94.1% | +9.5% |
| Operating MarginEBIT ÷ Revenue | +38.9% | -19.7% |
| Net MarginNet income ÷ Revenue | +22.3% | +22.7% |
| FCF MarginFCF ÷ Revenue | +18.9% | +54.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +32.2% | +13.8% |
VINP leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
XP leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 11.3x trailing earnings, XP trades at a 34% valuation discount to VINP's 17.2x P/E.
| Metric | VINPVinci Compass Inv… | XPXP Inc. |
|---|---|---|
| Market CapShares × price | $529M | $7.8B |
| Enterprise ValueMkt cap + debt − cash | $498M | $29.9B |
| Trailing P/EPrice ÷ TTM EPS | 17.20x | 11.30x |
| Forward P/EPrice ÷ next-FY EPS est. | 2.09x | 1.69x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.36x |
| EV / EBITDAEnterprise value multiple | 5.74x | — |
| Price / SalesMarket cap ÷ Revenue | 2.73x | 1.94x |
| Price / BookPrice ÷ Book value/share | 1.77x | 2.54x |
| Price / FCFMarket cap ÷ FCF | 14.45x | 3.56x |
XP leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
VINP leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
XP delivers a 21.4% return on equity — every $100 of shareholder capital generates $21 in annual profit, vs $15 for VINP. VINP carries lower financial leverage with a 0.06x debt-to-equity ratio, signaling a more conservative balance sheet compared to XP's 5.74x. On the Piotroski fundamental quality scale (0–9), VINP scores 8/9 vs XP's 3/9, reflecting strong financial health.
| Metric | VINPVinci Compass Inv… | XPXP Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +14.9% | +21.4% |
| ROA (TTM)Return on assets | +8.0% | +1.3% |
| ROICReturn on invested capital | +11.0% | -2.6% |
| ROCEReturn on capital employed | +10.4% | -2.8% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 3 |
| Debt / EquityFinancial leverage | 0.06x | 5.74x |
| Net DebtTotal debt minus cash | -$153M | $109.5B |
| Cash & Equiv.Liquid assets | $280M | $5.6B |
| Total DebtShort + long-term debt | $127M | $115.1B |
| Interest CoverageEBIT ÷ Interest expense | 15.58x | 8.55x |
VINP leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
VINP leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in VINP five years ago would be worth $12,860 today (with dividends reinvested), compared to $4,675 for XP. Over the past 12 months, XP leads with a +19.8% total return vs VINP's +17.3%. The 3-year compound annual growth rate (CAGR) favors VINP at 17.4% vs XP's 12.1% — a key indicator of consistent wealth creation.
| Metric | VINPVinci Compass Inv… | XPXP Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -15.5% | +16.1% |
| 1-Year ReturnPast 12 months | +17.3% | +19.8% |
| 3-Year ReturnCumulative with dividends | +61.7% | +40.8% |
| 5-Year ReturnCumulative with dividends | +28.6% | -53.2% |
| 10-Year ReturnCumulative with dividends | -15.9% | -39.2% |
| CAGR (3Y)Annualised 3-year return | +17.4% | +12.1% |
VINP leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — VINP and XP each lead in 1 of 2 comparable metrics.
Risk & Volatility
VINP is the less volatile stock with a 0.97 beta — it tends to amplify market swings less than XP's 1.67 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | VINPVinci Compass Inv… | XPXP Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.97x | 1.67x |
| 52-Week HighHighest price in past year | $13.61 | $23.11 |
| 52-Week LowLowest price in past year | $9.20 | $15.51 |
| % of 52W HighCurrent price vs 52-week peak | +79.6% | +81.3% |
| RSI (14)Momentum oscillator 0–100 | 53.7 | 50.5 |
| Avg Volume (50D)Average daily shares traded | 82K | 5.1M |
Evenly matched — VINP and XP each lead in 1 of 2 comparable metrics.
Analyst Outlook
VINP leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates VINP as "Buy" and XP as "Buy". Consensus price targets imply 25.1% upside for XP (target: $24) vs 19.9% for VINP (target: $13). For income investors, VINP offers the higher dividend yield at 5.66% vs XP's 3.99%.
| Metric | VINPVinci Compass Inv… | XPXP Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $13.00 | $23.50 |
| # AnalystsCovering analysts | 5 | 9 |
| Dividend YieldAnnual dividend ÷ price | +5.7% | +4.0% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $3.04 | $3.72 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.9% | +3.5% |
VINP leads this category, winning 1 of 1 comparable metric.
Key Takeaway
VINP leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). XP leads in 1 (Valuation Metrics). 1 tied.
Best OverallVinci Compass Investments L… (VINP)Leads 4 of 6 categories
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VINP vs XP: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is VINP or XP a better buy right now?
For growth investors, Vinci Compass Investments Ltd.
(VINP) is the stronger pick with 44. 1% revenue growth year-over-year, versus 34. 1% for XP Inc. (XP). XP Inc. (XP) offers the better valuation at 11. 3x trailing P/E (1. 7x forward), making it the more compelling value choice. Analysts rate Vinci Compass Investments Ltd. (VINP) a "Buy" — based on 5 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — VINP or XP?
On trailing P/E, XP Inc.
(XP) is the cheapest at 11. 3x versus Vinci Compass Investments Ltd. at 17. 2x. On forward P/E, XP Inc. is actually cheaper at 1. 7x.
03Which is the better long-term investment — VINP or XP?
Over the past 5 years, Vinci Compass Investments Ltd.
(VINP) delivered a total return of +28. 6%, compared to -53. 2% for XP Inc. (XP). Over 10 years, the gap is even starker: VINP returned -15. 9% versus XP's -39. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — VINP or XP?
By beta (market sensitivity over 5 years), Vinci Compass Investments Ltd.
(VINP) is the lower-risk stock at 0. 97β versus XP Inc. 's 1. 67β — meaning XP is approximately 73% more volatile than VINP relative to the S&P 500. On balance sheet safety, Vinci Compass Investments Ltd. (VINP) carries a lower debt/equity ratio of 6% versus 6% for XP Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — VINP or XP?
By revenue growth (latest reported year), Vinci Compass Investments Ltd.
(VINP) is pulling ahead at 44. 1% versus 34. 1% for XP Inc. (XP). On earnings-per-share growth, the picture is similar: Vinci Compass Investments Ltd. grew EPS 50. 0% year-over-year, compared to 14. 9% for XP Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — VINP or XP?
XP Inc.
(XP) is the more profitable company, earning 22. 7% net margin versus 22. 3% for Vinci Compass Investments Ltd. — meaning it keeps 22. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: VINP leads at 38. 9% versus -19. 7% for XP. At the gross margin level — before operating expenses — VINP leads at 94. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is VINP or XP more undervalued right now?
On forward earnings alone, XP Inc.
(XP) trades at 1. 7x forward P/E versus 2. 1x for Vinci Compass Investments Ltd. — 0. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for XP: 25. 1% to $23. 50.
08Which pays a better dividend — VINP or XP?
All stocks in this comparison pay dividends.
Vinci Compass Investments Ltd. (VINP) offers the highest yield at 5. 7%, versus 4. 0% for XP Inc. (XP).
09Is VINP or XP better for a retirement portfolio?
For long-horizon retirement investors, Vinci Compass Investments Ltd.
(VINP) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 97), 5. 7% yield). XP Inc. (XP) carries a higher beta of 1. 67 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (VINP: -15. 9%, XP: -39. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between VINP and XP?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(VINP: 44.1% · XP: 34.1%)Net Margin>
%
(VINP: 22.3% · XP: 22.7%)P/E Ratio<
x
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