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MTB vs. XP: A Head-to-Head Stock Comparison

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Here’s a clear look at MTB and XP, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolMTBXP
Company NameM&T Bank CorporationXP Inc.
CountryUnited StatesCayman Islands
GICS SectorFinancialsFinancials
GICS IndustryBanksCapital Markets
Market Capitalization31.28 billion USD9.89 billion USD
ExchangeNYSENasdaqGS
Listing DateMarch 17, 1980December 11, 2019
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of MTB and XP by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

MTB vs. XP: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolMTBXP
5-Day Price Return-1.76%-2.19%
13-Week Price Return-1.12%-6.98%
26-Week Price Return8.69%26.45%
52-Week Price Return9.64%3.24%
Month-to-Date Return-1.18%3.58%
Year-to-Date Return3.87%58.57%
10-Day Avg. Volume1.25M6.35M
3-Month Avg. Volume1.08M6.29M
3-Month Volatility19.99%38.36%
Beta0.641.11

Profitability

Return on Equity (TTM)

MTB

7.02%

Banks Industry

Max
25.40%
Q3
15.55%
Median
12.00%
Q1
8.98%
Min
-0.10%

MTB’s Return on Equity of 7.02% is in the lower quartile for the Banks industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

XP

23.24%

Capital Markets Industry

Max
38.97%
Q3
22.24%
Median
13.52%
Q1
8.61%
Min
-4.25%

In the upper quartile for the Capital Markets industry, XP’s Return on Equity of 23.24% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

MTB vs. XP: A comparison of their Return on Equity (TTM) against their respective Banks and Capital Markets industry benchmarks.

Net Profit Margin (TTM)

MTB

30.70%

Banks Industry

Max
54.20%
Q3
35.73%
Median
28.97%
Q1
22.56%
Min
6.98%

MTB’s Net Profit Margin of 30.70% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

XP

28.02%

Capital Markets Industry

Max
69.91%
Q3
37.24%
Median
24.30%
Q1
13.06%
Min
-15.18%

XP’s Net Profit Margin of 28.02% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

MTB vs. XP: A comparison of their Net Profit Margin (TTM) against their respective Banks and Capital Markets industry benchmarks.

Operating Profit Margin (TTM)

MTB

40.64%

Banks Industry

Max
63.35%
Q3
44.73%
Median
37.24%
Q1
28.25%
Min
12.28%

MTB’s Operating Profit Margin of 40.64% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

XP

33.11%

Capital Markets Industry

Max
84.86%
Q3
47.16%
Median
32.23%
Q1
18.65%
Min
-21.87%

XP’s Operating Profit Margin of 33.11% is around the midpoint for the Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.

MTB vs. XP: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Capital Markets industry benchmarks.

Profitability at a Glance

SymbolMTBXP
Return on Equity (TTM)7.02%23.24%
Return on Assets (TTM)0.96%1.42%
Net Profit Margin (TTM)30.70%28.02%
Operating Profit Margin (TTM)40.64%33.11%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

MTB

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

XP

0.20

Capital Markets Industry

Max
3.37
Q3
1.81
Median
1.01
Q1
0.56
Min
0.04

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

MTB vs. XP: A comparison of their Current Ratio (MRQ) against their respective Banks and Capital Markets industry benchmarks.

Debt-to-Equity Ratio (MRQ)

MTB

0.51

Banks Industry

Max
5.78
Q3
2.66
Median
1.05
Q1
0.40
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

XP

4.20

Capital Markets Industry

Max
6.52
Q3
2.79
Median
0.96
Q1
0.28
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

MTB vs. XP: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Capital Markets industry benchmarks.

Interest Coverage Ratio (TTM)

MTB

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

XP

7.81

Capital Markets Industry

Max
107.59
Q3
48.41
Median
10.85
Q1
4.56
Min
-36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

MTB vs. XP: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Financial Strength at a Glance

SymbolMTBXP
Current Ratio (MRQ)--0.20
Quick Ratio (MRQ)--0.15
Debt-to-Equity Ratio (MRQ)0.514.20
Interest Coverage Ratio (TTM)--7.81

Growth

Revenue Growth

MTB vs. XP: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

MTB vs. XP: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

MTB

3.37%

Banks Industry

Max
11.03%
Q3
6.00%
Median
3.87%
Q1
2.41%
Min
0.00%

MTB’s Dividend Yield of 3.37% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

XP

6.91%

Capital Markets Industry

Max
9.02%
Q3
4.54%
Median
2.55%
Q1
1.27%
Min
0.00%

With a Dividend Yield of 6.91%, XP offers a more attractive income stream than most of its peers in the Capital Markets industry, signaling a strong commitment to shareholder returns.

MTB vs. XP: A comparison of their Dividend Yield (TTM) against their respective Banks and Capital Markets industry benchmarks.

Dividend Payout Ratio (TTM)

MTB

38.42%

Banks Industry

Max
134.24%
Q3
79.39%
Median
55.09%
Q1
36.09%
Min
0.00%

MTB’s Dividend Payout Ratio of 38.42% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

XP

172.60%

Capital Markets Industry

Max
199.38%
Q3
99.28%
Median
60.67%
Q1
32.00%
Min
0.00%

XP’s Dividend Payout Ratio of 172.60% is in the upper quartile for the Capital Markets industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

MTB vs. XP: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Dividend at a Glance

SymbolMTBXP
Dividend Yield (TTM)3.37%6.91%
Dividend Payout Ratio (TTM)38.42%172.60%

Valuation

Price-to-Earnings Ratio (TTM)

MTB

11.39

Banks Industry

Max
22.69
Q3
13.75
Median
10.32
Q1
7.73
Min
2.59

MTB’s P/E Ratio of 11.39 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

XP

10.41

Capital Markets Industry

Max
51.69
Q3
29.42
Median
17.58
Q1
12.55
Min
5.59

In the lower quartile for the Capital Markets industry, XP’s P/E Ratio of 10.41 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

MTB vs. XP: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Price-to-Sales Ratio (TTM)

MTB

2.12

Banks Industry

Max
4.90
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

XP

2.92

Capital Markets Industry

Max
14.65
Q3
7.29
Median
4.53
Q1
2.26
Min
0.04

XP’s P/S Ratio of 2.92 aligns with the market consensus for the Capital Markets industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

MTB vs. XP: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Price-to-Book Ratio (MRQ)

MTB

1.06

Banks Industry

Max
2.09
Q3
1.40
Median
1.11
Q1
0.86
Min
0.29

MTB’s P/B Ratio of 1.06 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

XP

2.55

Capital Markets Industry

Max
10.83
Q3
5.12
Median
2.66
Q1
1.19
Min
0.37

XP’s P/B Ratio of 2.55 is within the conventional range for the Capital Markets industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

MTB vs. XP: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Capital Markets industry benchmarks.

Valuation at a Glance

SymbolMTBXP
Price-to-Earnings Ratio (TTM)11.3910.41
Price-to-Sales Ratio (TTM)2.122.92
Price-to-Book Ratio (MRQ)1.062.55
Price-to-Free Cash Flow Ratio (TTM)10.193.96