In a Neutral regime, XP's AIQ Score of 54/100 with Quality base of 53/100 and fading Momentum at 58/100 (Δ-6) signals mixed conviction. Wait for component alignment before adding exposure. Watch momentum trend for confirmation or fading.
Quick Stats
XP's 7-day signal profile is largely stable with AIQ change of -1.0 points and momentum delta of -6.0. Trend delta is -1.00, which helps frame whether the current move is accelerating or fading.
Snapshot: Sun, 26 Jul 2026 00:00:00 GMT. Baseline: 2026-07-17.
| Date | AIQ | Mom | Val | Qual | Resilience |
|---|---|---|---|---|---|
| 2026-07-25 | 54 | 58 | 57 | 53 | 46 |
| 2026-07-18 | 55 | 64 | 57 | 53 | 43 |
| 2026-07-11 | 57 | 70 | 57 | 53 | 43 |
| 2026-07-04 | 52 | 49 | 57 | 53 | 46 |
| 2026-06-27 | 52 | 49 | 57 | 53 | 44 |
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XP (XP) Stock Analysis
XP (XP) has an AIQ Score of 54/100 in a Neutral regime as of Jul 25, 2026. Momentum is strongest at 58/100. Risk is weakest at 46/100. The main conflict is that momentum leads at 58/100 while risk lags at 46/100.
XP (XP) carries an AIQ Score of 54 out of 100, placing it in a mixed signal regime for this snapshot. A mid-range reading typically means component signals are not fully aligned, so interpretation should focus on what is improving versus what is lagging.
Beta is 1.26, implying roughly 26% higher sensitivity than a broad market baseline.
In the latest weekly profile, AIQ has moved -1.0 points over the last 7 days, momentum delta is -6.0, trend delta is -1.00, risk delta is +3.0. This combination is most useful for judging whether signal quality is strengthening or fading into mean reversion.
| Evidence Layer | Public Evidence |
|---|---|
| Regime Context | XP is in a Neutral AIQ regime with score 54/100. |
| Signal Conflict | The primary conflict is that momentum leads at 58/100 while risk lags at 46/100. |
| Factor Evidence | Momentum 58/100 · Value 57/100 · Quality 53/100 · Risk 46/100 |
| Persistence | XP has scored AIQ 60+ in 0 of the last 60 daily snapshots. 30-day avg: 53/100. 60-day avg: 50/100. |
| Checklist | Status | Evidence |
|---|---|---|
| Factor strength | Wait | Momentum is the strongest factor at 58/100. |
| Timing | Wait | Momentum is 58/100 with 7-day delta -6.0. |
| Regime fit | Wait | XP is in a Neutral regime at 54/100. |
| Risk control | Wait | Risk factor is 46/100 with beta of 1.26 indicates above-market sensitivity. |
| Conflict | Pass | Current conflict: momentum leads at 58/100 while risk lags at 46/100. |
XP's 7-day signal profile is largely stable with AIQ change of -1.0 points and momentum delta of -6.0. Trend delta is -1.00, which helps frame whether the current move is accelerating or fading.
Signal snapshot as of Sun, 26 Jul 2026 00:00:00 GMT. 7-day comparison baseline: 2026-07-17.
| Metric | Current |
|---|---|
| AIQ Score | 54/100 |
| Price | $16.69 |
| Beta | 1.26 |
XP vs Fintech & Payments Peers
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XP Stock FAQ
What does the XP AIQ Score mean?
AIQ Score summarizes multiple factors for XP, including momentum, value, quality, and risk. Higher scores generally indicate stronger combined signals, but you should still validate with your own risk tolerance.
How often is XP data updated?
XP quote and scoring components refresh on the platform cadence. Always confirm timestamp freshness on-page before making time-sensitive decisions.
Should I compare XP with an index before investing?
Yes. Comparing XP versus benchmarks like SPY or QQQ helps you separate stock-specific strength from broader market moves.
Where can I review deeper XP fundamentals, technicals, and risk?
Use the Fundamentals, Technicals, and Risk tabs from this page to inspect driver-level metrics behind the headline score.
How the AIQ Score Is Built
Methodology, factor weights, and how to interpret score history
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