Xp [XP] vs Charles Schwab [SCHW] Detailed Stock Comparison

Xp Inc.

NASDAQ
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Charles Schwab Corporation

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Xp Inc. wins in 6 metrics, Charles Schwab Corporation wins in 13 metrics, with 0 ties. Charles Schwab Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Xp Inc. Charles Schwab Corporation Better
P/E Ratio (TTM) 10.51 17.59 Xp Inc.
Price-to-Book Ratio 2.24 3.14 Xp Inc.
Debt-to-Equity Ratio 631.20 67.07 Charles Schwab Corporation
PEG Ratio 0.78 0.46 Charles Schwab Corporation
Profit Margin (TTM) 29.09% 37.99% Charles Schwab Corporation
Operating Margin (TTM) 31.50% 49.18% Charles Schwab Corporation
EBITDA Margin (TTM) 31.50% 49.18% Charles Schwab Corporation
Return on Equity 23.72% 19.09% Xp Inc.
Return on Assets (TTM) 1.39% 1.97% Charles Schwab Corporation
Free Cash Flow (TTM) $2.08B $8.76B Charles Schwab Corporation
Dividend Yield 4.85% 1.49% Xp Inc.
1-Year Return -18.43% 4.28% Charles Schwab Corporation
Price-to-Sales Ratio (TTM) 0.59 6.25 Xp Inc.
Enterprise Value $-21.59B $102.72B Charles Schwab Corporation
EV/Revenue Ratio -6.05 4.14 Charles Schwab Corporation
Gross Profit Margin (TTM) 27.12% N/A N/A
Revenue per Share (TTM) $34 $14 Xp Inc.
Earnings per Share (Diluted) $1.94 $5.03 Charles Schwab Corporation
Beta (Stock Volatility) 1.28 0.90 Charles Schwab Corporation
Short % of Float 3.89% 0.00% Charles Schwab Corporation

Xp Inc. vs Charles Schwab Corporation Stock Performance Analysis

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XP
SCHW

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Xp Inc.-1.31%3.60%-9.50%-17.70%-10.12%-2.29%
Charles Schwab Corporation-0.16%3.26%0.08%-2.86%-4.54%-10.46%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Xp Inc.-18.43%-27.61%-65.17%-57.52%-57.52%-57.52%
Charles Schwab Corporation4.28%67.46%30.46%221.00%472.60%486.98%

Performance & Financial Health Analysis: Xp Inc. vs Charles Schwab Corporation

MetricXPSCHW
Market Information
Market Cap i$10.15B$155.07B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i4,684,16114,313,280
90 Day Avg. Volume i5,642,47010,778,233
Last Close$15.81$90.95
52 Week Range$14.80 - $23.13$83.96 - $107.50
% from 52W High-31.65%-15.40%
All-Time High$53.08 (Aug 30, 2021)$107.50 (Feb 10, 2026)
% from All-Time High-70.21%-15.40%
Growth Metrics
Quarterly Revenue Growth0.13%0.16%
Quarterly Earnings Growth0.10%0.30%
Financial Health
Profit Margin (TTM) i0.29%0.38%
Operating Margin (TTM) i0.32%0.49%
Return on Equity (TTM) i0.24%0.19%
Debt to Equity (MRQ) i631.2067.07
Cash & Liquidity
Book Value per Share (MRQ)$9.08$28.18
Cash per Share (MRQ)$514.15$48.57
Operating Cash Flow (TTM) i$2.42B$-3,545,000,000
Levered Free Cash Flow (TTM) i$0$8.42B
Dividends
Last 12-Month Dividend Yield i4.85%1.49%
Last 12-Month Dividend i$0.83$1.40

Valuation & Enterprise Metrics Analysis: Xp Inc. vs Charles Schwab Corporation

MetricXP (Apr 24, 2026)SCHW (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i10.5117.59
Forward P/E i8.2712.66
PEG Ratio i0.780.46
Price to Sales (TTM) i0.596.25
Price to Book (MRQ) i2.243.14
Market Capitalization
Market Capitalization i$10.15B$155.07B
Enterprise Value i$-21,593,576,152$102.72B
Enterprise Value Metrics
Enterprise to Revenue i-6.054.14
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i1.280.90
Book Value per Share (MRQ) i$9.08$28.18

Financial Statements Comparison: Xp Inc. vs Charles Schwab Corporation

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricXP (2025)SCHW (2025)
Revenue/Sales iN/A23.92B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i-0.0%
Gross Profit iN/AN/A
Gross Margin i-0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i-0.0%
EBITDA iN/AN/A
EBITDA Margin i-0.0%
Pre-Tax Income iN/A11.46B
Pre-Tax Income % of Revenue i-47.9%
Income Tax iN/A2.61B
Income Tax % of Revenue i-10.9%
Net Income (Profit) iN/A8.85B
Profit Margin i-37.0%

Balance Sheet & Liquidity Metrics

MetricXP (2025)SCHW (2025)
Cash & Equivalents i1.07B46.03B
Total Current Assets i30.27BN/A
Total Current Assets % of Revenue i-0.0%
Total Current Liabilities i37.56BN/A
Total Current Liabilities % of Revenue i-0.0%
Long-Term Debt i6.38B22.19B
Long-Term Debt % of Revenue i-92.8%
Total Shareholders Equity i3.84B49.43B
Retained Earnings iN/A44.07B
Retained Earnings % of Revenue i-184.2%
Property, Plant & Equipment i97.80M1.07B

Cash Flow Statement Comparison

MetricXP (2025)SCHW (2025)
Operating Cash Flow i-4.40B-3.55B
Operating Cash Flow % of Revenue i--14.8%
Capital Expenditures i-25.82M-548.00M
Free Cash Flow i2.08B8.76B
FCF Margin i-36.6%
Debt Repayment i-680.25M-81.64B
Common Stock Repurchase i-259.24M-9.80B

Short Interest & Institutional Ownership Analysis

MetricXPSCHW
Shares Short i16.20M11,517
Short Ratio i2.600.00
Short % of Float i3.89%0.00%
Shares Outstanding i525.75M1.74B
Float Shares i413.44M1.64B
% Held by Insiders i0.02%6.17%
% Held by Institutions i103.44%85.54%
% Held by Public i-3.46%8.29%

Dividend Analysis & Yield Comparison: Xp Inc. vs Charles Schwab Corporation

MetricXPSCHW
Last 12-Month Dividend i$0.83$1.40
Last 12-Month Dividend Yield i4.85%1.49%
3-Year Avg Annual Dividend i$0.71$1.05
3-Year Avg Dividend Yield i2.78%0.36%
3-Year Total Dividends i$2.14$3.15
Ex-Dividend DateDec 10, 2025Feb 13, 2026