Wall Street analyst price targets, ratings consensus & upside potential · Updated Feb 28, 2026
Last 12 months price action with 12-month analyst target path
As of February 28, 2026, XP Inc. (XP) has a Wall Street consensus price target of $23.50, based on estimates from 9 covering analysts. With the stock currently trading at $21.53, this represents a potential upside of +9.2%. The company has a market capitalization of $8.94B.
Analyst price targets range from a low of $22.00 to a high of $25.00, representing a 13% spread in expectations. The median target of $23.50 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Buy, with 7 analysts rating the stock as a Buy or Strong Buy,2 rating it Hold, and 0 rating it Sell or Strong Sell. This overwhelmingly bullish sentiment suggests analysts see significant catalysts for upside ahead.
From a valuation perspective, XP trades at a trailing P/E of 13.5x and forward P/E of 1.9x. The forward PEG ratio of 0.06 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow +20.8% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $207.76, with bear and bull scenarios of $315.32 and $11.79 respectively. Model confidence stands at 48/100, suggesting limited visibility into future performance.
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Start ComparisonThe consensus price target for XP is $23.5, close to the current price of $21.53 (9.2% implied move). Based on 9 analyst estimates, the stock appears fairly valued near current levels.
XP has a consensus rating of "Buy" based on 9 Wall Street analysts. The rating breakdown is predominantly bullish, with 7 Buy/Strong Buy ratings. The consensus 12-month price target of $23.5 implies 9.2% upside from current levels.
With a forward P/E of 1.8863x, XP trades at a relatively low valuation. The consensus target of $23.5 implies 9.2% appreciation, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $25 for XP, while the most conservative target is $22. The consensus of $23.5 represents the median expectation. Our quantitative valuation model projects a bull case target of $12 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
XP is moderately covered, with 9 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 7 have Buy ratings, 2 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month XP stock forecast based on 9 Wall Street analysts shows a consensus price target of $23.5, with estimates ranging from $22 (bear case) to $25 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $208, with bear/bull scenarios of $315/$12.
Our quantitative valuation model calculates XP's fair value at $208 (base case), with a bear case of $315 and bull case of $12. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 48/100.
XP trades at a forward P/E ratio of 1.9x based on next-twelve-months earnings estimates compared to a trailing P/E of 13.5x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
XP appears fairly valued according to analysts, with a "Buy" rating and minimal upside to the $23.5 target. Consider your investment thesis and risk tolerance. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
XP analyst price targets range from $22 to $25, a 13% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $23.5 consensus represents the middle ground. Our model's $315-$12 range provides an independent fundamental perspective.