XP
XP Inc.
Financial - Capital Markets
Market Cap$7.80B
5Y Perf.-38.1%
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Stock Comparison
XP vs PAGS
Revenue, margins, valuation, and 5-year total return — side by side.
PAGS
PagSeguro Digital Ltd.
Software - Infrastructure
Market Cap$1.73B
5Y Perf.-68.1%
XP vs PAGS — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | XP | PAGS |
|---|---|---|
| Industry | Financial - Capital Markets | Software - Infrastructure |
| Market Cap | $7.80B | $1.73B |
| Revenue (TTM) | $19.87B | $19.82B |
| Net Income (TTM) | $5.05B | $2.13B |
| Gross Margin | 9.5% | 50.8% |
| Operating Margin | -19.7% | 37.5% |
| Forward P/E | 1.7x | 1.1x |
| Total Debt | $115.13B | $34.86B |
| Cash & Equiv. | $5.61B | $1.86B |
XP vs PAGS — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
XP
PAGS
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| XP Inc. (XP) | 100 | 61.9 | -38.1% |
| PagSeguro Digital L… (PAGS) | 100 | 31.9 | -68.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: XP vs PAGS
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: XP leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. PagSeguro Digital Ltd. is the stronger pick specifically for dividend income and shareholder returns and operational efficiency and capital deployment. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
XP
XP Inc.
The Banking Pick
XP carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 34.1%, EPS growth 14.9%
- -39.2% 10Y total return vs PAGS's -62.7%
- Lower volatility, beta 1.67, current ratio 0.81x
Best for: growth exposure and long-term compounding
PAGS
PagSeguro Digital Ltd.
The Income Pick
PAGS is the clearest fit if your priority is income & stability and defensive.
- Dividend streak 2 yrs, beta 1.70, yield 4.1%
- Beta 1.70, yield 4.1%, current ratio 1.36x
- 4.1% yield, 2-year raise streak, vs XP's 4.0%
Best for: income & stability and defensive
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | XP | 34.1% NII/revenue growth vs PAGS's 5.6% |
| Value | XP | PEG 0.05 vs 0.09 |
| Quality / Margins | XP | 22.7% margin vs PAGS's 10.7% |
| Stability / Safety | XP | Beta 1.67 vs PAGS's 1.70 |
| Dividends | PAGS | 4.1% yield, 2-year raise streak, vs XP's 4.0% |
| Momentum (1Y) | XP | +19.8% vs PAGS's +13.9% |
| Efficiency (ROA) | PAGS | 3.0% ROA vs XP's 1.3%, ROIC 10.7% vs -2.6% |
XP vs PAGS — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPAGSLAGGINGXP
XPXP Inc.
2leads
PAGSPagSeguro Digital Ltd.
3leads
6 Total Categories
CATEGORYLEADERvs XPMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
XP3/5
Valuation MetricsMultiples, price ratios, and targets
PAGS4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PAGS7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
XP6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
PAGS2/2
Income & Cash Flow (Last 12 Months)
XP leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
XP and PAGS operate at a comparable scale, with $19.9B and $19.8B in trailing revenue. XP is the more profitable business, keeping 22.7% of every revenue dollar as net income compared to PAGS's 10.7%.
| Metric | XPXP Inc. | PAGSPagSeguro Digital… |
|---|---|---|
| RevenueTrailing 12 months | $19.9B | $19.8B |
| EBITDAEarnings before interest/tax | -$1.7B | $8.8B |
| Net IncomeAfter-tax profit | $5.1B | $2.1B |
| Free Cash FlowCash after capex | $17.9B | $708M |
| Gross MarginGross profit ÷ Revenue | +9.5% | +50.8% |
| Operating MarginEBIT ÷ Revenue | -19.7% | +37.5% |
| Net MarginNet income ÷ Revenue | +22.7% | +10.7% |
| FCF MarginFCF ÷ Revenue | +54.6% | +3.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +6.0% |
| EPS Growth (YoY)Latest quarter vs prior year | +13.8% | -8.4% |
XP leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
PAGS leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 7.2x trailing earnings, PAGS trades at a 36% valuation discount to XP's 11.3x P/E. Adjusting for growth (PEG ratio), XP offers better value at 0.36x vs PAGS's 0.59x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | XPXP Inc. | PAGSPagSeguro Digital… |
|---|---|---|
| Market CapShares × price | $7.8B | $1.7B |
| Enterprise ValueMkt cap + debt − cash | $29.9B | $8.4B |
| Trailing P/EPrice ÷ TTM EPS | 11.30x | 7.20x |
| Forward P/EPrice ÷ next-FY EPS est. | 1.69x | 1.14x |
| PEG RatioP/E ÷ EPS growth rate | 0.36x | 0.59x |
| EV / EBITDAEnterprise value multiple | — | 5.72x |
| Price / SalesMarket cap ÷ Revenue | 1.94x | 0.44x |
| Price / BookPrice ÷ Book value/share | 2.54x | 1.02x |
| Price / FCFMarket cap ÷ FCF | 3.56x | 5.50x |
PAGS leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
PAGS leads this category, winning 7 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 $14 for PAGS. PAGS carries lower financial leverage with a 2.38x debt-to-equity ratio, signaling a more conservative balance sheet compared to XP's 5.74x. On the Piotroski fundamental quality scale (0–9), PAGS scores 7/9 vs XP's 3/9, reflecting strong financial health.
| Metric | XPXP Inc. | PAGSPagSeguro Digital… |
|---|---|---|
| ROE (TTM)Return on equity | +21.4% | +14.4% |
| ROA (TTM)Return on assets | +1.3% | +3.0% |
| ROICReturn on invested capital | -2.6% | +10.7% |
| ROCEReturn on capital employed | -2.8% | +25.6% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 7 |
| Debt / EquityFinancial leverage | 5.74x | 2.38x |
| Net DebtTotal debt minus cash | $109.5B | $33.0B |
| Cash & Equiv.Liquid assets | $5.6B | $1.9B |
| Total DebtShort + long-term debt | $115.1B | $34.9B |
| Interest CoverageEBIT ÷ Interest expense | 8.55x | 1.50x |
PAGS leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
XP leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in XP five years ago would be worth $4,675 today (with dividends reinvested), compared to $2,510 for PAGS. Over the past 12 months, XP leads with a +19.8% total return vs PAGS's +13.9%. The 3-year compound annual growth rate (CAGR) favors XP at 12.1% vs PAGS's -1.3% — a key indicator of consistent wealth creation.
| Metric | XPXP Inc. | PAGSPagSeguro Digital… |
|---|---|---|
| YTD ReturnYear-to-date | +16.1% | +8.6% |
| 1-Year ReturnPast 12 months | +19.8% | +13.9% |
| 3-Year ReturnCumulative with dividends | +40.8% | -3.9% |
| 5-Year ReturnCumulative with dividends | -53.2% | -74.9% |
| 10-Year ReturnCumulative with dividends | -39.2% | -62.7% |
| CAGR (3Y)Annualised 3-year return | +12.1% | -1.3% |
XP leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — XP and PAGS each lead in 1 of 2 comparable metrics.
Risk & Volatility
XP is the less volatile stock with a 1.67 beta — it tends to amplify market swings less than PAGS's 1.70 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | XPXP Inc. | PAGSPagSeguro Digital… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.67x | 1.70x |
| 52-Week HighHighest price in past year | $23.11 | $12.32 |
| 52-Week LowLowest price in past year | $15.51 | $7.74 |
| % of 52W HighCurrent price vs 52-week peak | +81.3% | +82.1% |
| RSI (14)Momentum oscillator 0–100 | 50.5 | 51.3 |
| Avg Volume (50D)Average daily shares traded | 5.1M | 3.7M |
Evenly matched — XP and PAGS each lead in 1 of 2 comparable metrics.
Analyst Outlook
PAGS leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates XP as "Buy" and PAGS as "Buy". Consensus price targets imply 25.1% upside for XP (target: $24) vs 20.4% for PAGS (target: $12). For income investors, PAGS offers the higher dividend yield at 4.05% vs XP's 3.99%.
| Metric | XPXP Inc. | PAGSPagSeguro Digital… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $23.50 | $12.18 |
| # AnalystsCovering analysts | 9 | 24 |
| Dividend YieldAnnual dividend ÷ price | +4.0% | +4.1% |
| Dividend StreakConsecutive years of raises | 0 | 2 |
| Dividend / ShareAnnual DPS | $3.72 | $2.03 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.5% | 0.0% |
PAGS leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
PAGS leads in 3 of 6 categories (Valuation Metrics, Profitability & Efficiency). XP leads in 2 (Income & Cash Flow, Total Returns). 1 tied.
Best OverallPagSeguro Digital Ltd. (PAGS)Leads 3 of 6 categories
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XP vs PAGS: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is XP or PAGS a better buy right now?
For growth investors, XP Inc.
(XP) is the stronger pick with 34. 1% revenue growth year-over-year, versus 5. 6% for PagSeguro Digital Ltd. (PAGS). PagSeguro Digital Ltd. (PAGS) offers the better valuation at 7. 2x trailing P/E (1. 1x forward), making it the more compelling value choice. Analysts rate XP Inc. (XP) a "Buy" — based on 9 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 — XP or PAGS?
On trailing P/E, PagSeguro Digital Ltd.
(PAGS) is the cheapest at 7. 2x versus XP Inc. at 11. 3x. On forward P/E, PagSeguro Digital Ltd. is actually cheaper at 1. 1x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: XP Inc. wins at 0. 05x versus PagSeguro Digital Ltd. 's 0. 09x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — XP or PAGS?
Over the past 5 years, XP Inc.
(XP) delivered a total return of -53. 2%, compared to -74. 9% for PagSeguro Digital Ltd. (PAGS). Over 10 years, the gap is even starker: XP returned -39. 2% versus PAGS's -62. 7%. 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 — XP or PAGS?
By beta (market sensitivity over 5 years), XP Inc.
(XP) is the lower-risk stock at 1. 67β versus PagSeguro Digital Ltd. 's 1. 70β — meaning PAGS is approximately 1% more volatile than XP relative to the S&P 500. On balance sheet safety, PagSeguro Digital Ltd. (PAGS) carries a lower debt/equity ratio of 2% versus 6% for XP Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — XP or PAGS?
By revenue growth (latest reported year), XP Inc.
(XP) is pulling ahead at 34. 1% versus 5. 6% for PagSeguro Digital Ltd. (PAGS). On earnings-per-share growth, the picture is similar: XP Inc. grew EPS 14. 9% year-over-year, compared to 5. 1% for PagSeguro Digital Ltd.. 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 — XP or PAGS?
XP Inc.
(XP) is the more profitable company, earning 22. 7% net margin versus 10. 7% for PagSeguro Digital Ltd. — meaning it keeps 22. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PAGS leads at 37. 5% versus -19. 7% for XP. At the gross margin level — before operating expenses — PAGS leads at 50. 6%, 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 XP or PAGS more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, XP Inc. (XP) is the more undervalued stock at a PEG of 0. 05x versus PagSeguro Digital Ltd. 's 0. 09x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, PagSeguro Digital Ltd. (PAGS) trades at 1. 1x forward P/E versus 1. 7x for XP Inc. — 0. 5x 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 — XP or PAGS?
All stocks in this comparison pay dividends.
PagSeguro Digital Ltd. (PAGS) offers the highest yield at 4. 1%, versus 4. 0% for XP Inc. (XP).
09Is XP or PAGS better for a retirement portfolio?
For long-horizon retirement investors, XP Inc.
(XP) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (4. 0% yield). PagSeguro Digital Ltd. (PAGS) carries a higher beta of 1. 70 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (XP: -39. 2%, PAGS: -62. 7%), 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 XP and PAGS?
These companies operate in different sectors (XP (Financial Services) and PAGS (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: XP is a small-cap high-growth stock; PAGS is a small-cap deep-value stock. 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>
%
(XP: 34.1% · PAGS: 6.0%)Net Margin>
%
(XP: 22.7% · PAGS: 10.7%)P/E Ratio<
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