Sifting through countless of stocks in the Capital Markets industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Raymond James Financial, Inc. or XP Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.
Read on to learn how Raymond James Financial, Inc. and XP Inc. compare based on key financial metrics to determine which better meets your investment needs.
About Raymond James Financial, Inc. and XP Inc.
Raymond James Financial, Inc., a diversified financial services company, provides private client group, capital markets, asset management, banking, and other services to individuals, corporations, and municipalities in the United States, Canada, and Europe. The Private Client Group segment offers investment services, portfolio management services, insurance and annuity products, and mutual funds; support to third-party mutual fund and annuity companies, including sales and marketing support, as well as distribution and accounting, and administrative services; margin loans; securities borrowing and lending services; diversification strategies and alternative investment products; and custodial, trade execution, research, and other support and services. The Capital Markets segment provides investment banking services, such as equity and debt underwriting, and merger and acquisition advisory services; and fixed income and equity brokerage services. This segment also offers institutional sales, securities trading, equity research, and the syndication and management of investments in low-income housing funds and funds of a similar nature. The Asset Management segment provides asset management, portfolio management, and related administrative services to retail and institutional clients; and administrative support services, such as record-keeping. The Bank segment offers various types of loans, including securities-based, commercial and industrial, commercial real estate and construction, real estate investment trust, residential mortgage, and tax-exempt loans; insured deposit accounts; retail and corporate deposit; and liquidity management products and services. The Other segment engages in the private equity investments comprising invests in third-party funds. Raymond James Financial, Inc. was founded in 1962 and is headquartered in Saint Petersburg, Florida.
XP Inc. provides financial products and services in Brazil. The company operates XP Platform, an open product platform that provides clients to access investment products in the market comprising brokerage securities, fixed income securities, mutual, hedge, and private equity funds; derivatives and synthetic instruments; credit cards; loan operations/collateralized credit products; pension and social security funds, and life and travel insurance products; and other investment products comprising real estate funds, and equity and debt capital markets solutions, as well as wealth management services. It offers brokerage and issuer services to institutional and corporate clients. The company also manages mutual funds focused on stocks and macro strategies distributed to retail and to institutional clients; funds and managed portfolios for high-net-worth retail clients, and proprietary treasury funds; and passive mutual funds that track market indexes, and mutual and investment funds focused on fixed income, credit, real estate, infrastructure, and other alternative strategies. In addition, it offers securities brokerage services for institutional and retail investors; interdealer brokerage services for institutional traders; and commercial and investment banking products, such as loan operations and transactions in the foreign exchange markets and deposits, as well as develops and sells financial education courses and events online and in person to retail clients. The company offers its sell products and services through its omni-channel distribution network and online portals. XP Inc. was founded in 2001 and is based in Grand Cayman, Cayman Islands.
Latest Capital Markets and Raymond James Financial, Inc., XP Inc. Stock News
As of May 14, 2025, Raymond James Financial, Inc. had a $30.7 billion market capitalization, compared to the Capital Markets median of $3.5 million. Raymond James Financial, Inc.’s stock is down 1.5% in 2025, up 5.1% in the previous five trading days and up 21.07% in the past year.
Currently, Raymond James Financial, Inc.’s price-earnings ratio is 14.7. Raymond James Financial, Inc.’s trailing 12-month revenue is $13.6 billion with a 16.1% net profit margin. Year-over-year quarterly sales growth most recently was 10.7%. Analysts expect adjusted earnings to reach $10.373 per share for the current fiscal year. Raymond James Financial, Inc. currently has a 1.3% dividend yield.
As of May 14, 2025, XP Inc. had a $10.1 billion market cap, putting it in the 80th percentile of all stocks. XP Inc.’s stock is up 56.9% in 2025, up 5.7% in the previous five trading days and down 12.37% in the past year.
Currently, XP Inc.’s price-earnings ratio is 14.2. XP Inc.’s trailing 12-month revenue is $2.6 billion with a 27.8% net profit margin. Year-over-year quarterly sales growth most recently was -14.1%. Analysts expect adjusted earnings to reach $1.649 per share for the current fiscal year. XP Inc. currently has a 7.3% dividend yield.
How We Compare Raymond James Financial, Inc. and XP Inc. Stock Grades
Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.
AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Raymond James Financial, Inc. and XP Inc.’s stock grades to see how they measure up against one another.
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Raymond James Financial, Inc. and XP Inc. Stock Value Grades
| Company | Ticker | Value |
| Raymond James Financial, Inc. | RJF |
C |
| XP Inc. | XP |
A |
Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.
Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.
AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.
Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.
Raymond James Financial, Inc. has a Value Score of 51, which is Average.
XP Inc. has a Value Score of 97, which is Deep Value.
The Value Stock Winner: XP Inc.
As you can clearly see from the Value Grade breakdown above, XP Inc. is considered to have better value than Raymond James Financial, Inc.. For investors who focus solely on a company’s valuation, XP Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.
Raymond James Financial, Inc. and XP Inc.’s Quality Grades
| Company | Ticker | Quality |
| Raymond James Financial, Inc. | RJF |
B |
| XP Inc. | XP |
D |
Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.
The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.
The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.
Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.
Raymond James Financial, Inc. has a Quality Score of 65, which is Strong.
XP Inc. has a Quality Score of 39, which is Weak.
The Quality Grade Winner: Raymond James Financial, Inc.
As you can clearly see from the Quality Grade breakdown above, Raymond James Financial, Inc. has a better overall quality grade than XP Inc.. For investors who are looking for companies with higher quality than others in the same industry, Raymond James Financial, Inc. could be a good stock to add to their portfolios. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.
Raymond James Financial, Inc. and XP Inc.’s Estimate Revisions Grades
| Company | Ticker | Earnings Estimate |
| Raymond James Financial, Inc. | RJF |
D |
| XP Inc. | XP |
D |
Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).
Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.
Raymond James Financial, Inc. has a Earnings Estimate Score of 39, which is Negative.
XP Inc. has a Earnings Estimate Score of 35, which is Negative.
The Earnings Estimate Revisions Stock Winner: No Clear Winner
Neither Raymond James Financial, Inc. or XP Inc. has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Raymond James Financial, Inc. or XP Inc. is the better investment when it comes to estimate revisions.
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Other Raymond James Financial, Inc. and XP Inc. Grades
In addition to Estimate Revisions, Value and Quality, A+ Investor also provides grades for Growth and Momentum.
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AAII’s expansive and robust screening tools like A+ Investor help investors make confident decisions.
Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.
Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.
These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Raymond James Financial, Inc. and XP Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.
So, Which Is the Better Investment, Raymond James Financial, Inc. or XP Inc. Stock?
Overall, Raymond James Financial, Inc. stock has a Value Score of 51, Estimate Revisions Score of 39 and Quality Score of 65.
XP Inc. stock has a Value Score of 97, Estimate Revisions Score of 35 and Quality Score of 39.
Comparing Raymond James Financial, Inc. and XP Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.
Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.
A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.
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We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.
