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

Updated on October 4, 2025

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

Company Profile

Symbol	USB	XP
Company Name	U.S. Bancorp	XP Inc.
Country	United States	Cayman Islands
GICS Sector	Financials	Financials
GICS Industry	Banks	Capital Markets
Market Capitalization	76.94 billion USD	9.89 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	May 3, 1973	December 11, 2019
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of USB 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.

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

Historical Performance at a Glance

Symbol	USB	XP
5-Day Price Return	-2.35%	-2.19%
13-Week Price Return	2.99%	-6.98%
26-Week Price Return	10.76%	26.45%
52-Week Price Return	4.70%	3.24%
Month-to-Date Return	-0.93%	3.58%
Year-to-Date Return	0.10%	58.57%
10-Day Avg. Volume	10.17M	6.35M
3-Month Avg. Volume	10.11M	6.29M
3-Month Volatility	20.16%	38.36%
Beta	1.14	1.11

Profitability

Return on Equity (TTM)

USB

11.55%

Banks Industry

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

USB’s Return on Equity of 11.55% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

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.

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

Net Profit Margin (TTM)

USB

20.01%

Banks Industry

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

Falling into the lower quartile for the Banks industry, USB’s Net Profit Margin of 20.01% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

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.

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

Operating Profit Margin (TTM)

USB

25.22%

Banks Industry

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

USB’s Operating Profit Margin of 25.22% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

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.

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

Profitability at a Glance

Symbol	USB	XP
Return on Equity (TTM)	11.55%	23.24%
Return on Assets (TTM)	1.01%	1.42%
Net Profit Margin (TTM)	20.01%	28.02%
Operating Profit Margin (TTM)	25.22%	33.11%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

USB

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.

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

Debt-to-Equity Ratio (MRQ)

USB

1.29

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.

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

Interest Coverage Ratio (TTM)

USB

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.

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

Financial Strength at a Glance

Symbol	USB	XP
Current Ratio (MRQ)	--	0.20
Quick Ratio (MRQ)	--	0.15
Debt-to-Equity Ratio (MRQ)	1.29	4.20
Interest Coverage Ratio (TTM)	--	7.81

Growth

Revenue Growth

USB 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

USB 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)

USB

4.63%

Banks Industry

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

USB’s Dividend Yield of 4.63% 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.

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

Dividend Payout Ratio (TTM)

USB

50.28%

Banks Industry

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

USB’s Dividend Payout Ratio of 50.28% 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.

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

Dividend at a Glance

Symbol	USB	XP
Dividend Yield (TTM)	4.63%	6.91%
Dividend Payout Ratio (TTM)	50.28%	172.60%

Valuation

Price-to-Earnings Ratio (TTM)

USB

10.87

Banks Industry

Max: 22.69
Q3: 13.75
Median: 10.32
Q1: 7.73
Min: 2.59

USB’s P/E Ratio of 10.87 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.

USB 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)

USB

2.10

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.

USB 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)

USB

1.15

Banks Industry

Max: 2.09
Q3: 1.40
Median: 1.11
Q1: 0.86
Min: 0.29

USB’s P/B Ratio of 1.15 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.

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

Valuation at a Glance

Symbol	USB	XP
Price-to-Earnings Ratio (TTM)	10.87	10.41
Price-to-Sales Ratio (TTM)	2.10	2.92
Price-to-Book Ratio (MRQ)	1.15	2.55
Price-to-Free Cash Flow Ratio (TTM)	9.65	3.96