` Comparison: XP, MS - Alpha Spread

XP
vs
MS

Over the past 12 months, XP has underperformed MS, delivering a return of +30% compared to the MS's +40% growth.

Valuation Growth Profitability Solvency Stocks Performance
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XP
MS
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Stocks Compared:
XP MS
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Valuation Comparison

XP Intrinsic Value
31.82 USD
Undervaluation 50%
Intrinsic Value
Price
MS Intrinsic Value
402.58 USD
Undervaluation 57%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Xp Inc
NASDAQ:XP
15.88 USD
Morgan Stanley
NYSE:MS
172.96 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
XP, MS

XP
MS
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Xp Inc
Revenue
Morgan Stanley
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
XP, MS

XP
MS
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Xp Inc
NASDAQ:XP
Morgan Stanley
NYSE:MS
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What is Free Cash Flow?

Gross Margin

XP
0%
MS
55%
LTM 3Y Avg 5Y Avg 10Y Avg
Xp Inc
Morgan Stanley

Operating Margin

XP
33.1%
MS
18.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Xp Inc
Morgan Stanley

Net Margin

XP
28%
MS
13.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Xp Inc
Morgan Stanley

FCF Margin

XP
58.4%
MS
-5.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Xp Inc
Morgan Stanley

ROE

XP
23.3%
MS
14.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Xp Inc
Morgan Stanley

ROA

XP
1.5%
MS
1.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Xp Inc
Morgan Stanley

ROIC

XP
1.7%
MS
1.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Xp Inc
Morgan Stanley

ROCE

XP
2.3%
MS
3.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Xp Inc
Morgan Stanley

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
XP, MS

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MS
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
XP, MS

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XP
MS
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
XP, MS

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MS
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