{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "9df56783-2f0e-49af-a28e-c188c2c2d799",
    "symbol": "XP",
    "name": "Xp Inc",
    "exchange": "NASDAQ",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Capital Markets",
    "chart_url": "https://sharemaestro.com/terminal/9df56783-2f0e-49af-a28e-c188c2c2d799/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "9df56783-2f0e-49af-a28e-c188c2c2d799",
      "symbol": "XP",
      "name": "Xp Inc",
      "exchange": "NASDAQ",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Capital Markets",
      "chart_url": "https://sharemaestro.com/terminal/9df56783-2f0e-49af-a28e-c188c2c2d799/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "XP",
    "market_cap": 8277172736.0,
    "market_cap_usd": 7925831776.2,
    "price": 16.02,
    "currency": "USD",
    "dividend_yield": 0.0128,
    "dividend_years": 3,
    "dividend_growth_5y": -0.62931876,
    "dividend_cut_5y": true,
    "payout_ratio": 0.0991,
    "net_income": 5169787000.0,
    "free_cash_flow": 11555259000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 6.77346,
    "revenue_growth_5y": 0.1623564,
    "net_margin": 0.28849,
    "roe": 0.22944,
    "pe_ratio": 8.34375,
    "price_vs_ma": -0.11684667,
    "return_3y": -0.22363657,
    "return_5y": -0.59461762,
    "max_drawdown": -0.78340003,
    "scores": {
      "dividend_reliability": 4.15,
      "dividend_sustainability": 17.0,
      "business_quality": 23.5,
      "valuation": 13.0,
      "trend": 0.0,
      "total": 57.65,
      "confidence": 92.0
    },
    "rating": "weak",
    "rating_label": "Weak Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Price currency USD differs from financial currency BRL.",
      "Dividend history is short: 3 completed years.",
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Debt to equity is elevated at 6.77."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/9df56783-2f0e-49af-a28e-c188c2c2d799/",
      "chart": "https://sharemaestro.com/terminal/9df56783-2f0e-49af-a28e-c188c2c2d799/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 4.15,
    "dividend_sustainability": 17.0,
    "business_quality": 23.5,
    "valuation": 13.0,
    "trend": 0.0,
    "total": 57.65,
    "confidence": 92.0
  },
  "warnings": [
    "Price currency USD differs from financial currency BRL.",
    "Dividend history is short: 3 completed years.",
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Debt to equity is elevated at 6.77."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "XP",
      "exchange": "NASDAQ",
      "headline": "XP dividend review warning",
      "detail": "Debt to equity is elevated at 6.77.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9df56783-2f0e-49af-a28e-c188c2c2d799/"
    },
    {
      "event_date": "2026-06-10",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "XP",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 11.1%",
      "detail": "Payment changed from 0.18 to 0.2.",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9df56783-2f0e-49af-a28e-c188c2c2d799/"
    },
    {
      "event_date": "2026-06-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "XP",
      "exchange": "NASDAQ",
      "headline": "XP dividend payment 0.2 USD",
      "detail": "Recorded dividend payment for Xp Inc.",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9df56783-2f0e-49af-a28e-c188c2c2d799/"
    },
    {
      "event_date": "2025-12-10",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "XP",
      "exchange": "NASDAQ",
      "headline": "Dividend cut -72.3%",
      "detail": "Payment changed from 0.65 to 0.18.",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9df56783-2f0e-49af-a28e-c188c2c2d799/"
    },
    {
      "event_date": "2025-12-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "XP",
      "exchange": "NASDAQ",
      "headline": "XP dividend payment 0.18 USD",
      "detail": "Recorded dividend payment for Xp Inc.",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9df56783-2f0e-49af-a28e-c188c2c2d799/"
    },
    {
      "event_date": "2024-12-10",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "XP",
      "exchange": "NASDAQ",
      "headline": "Dividend decreased -11.0%",
      "detail": "Payment changed from 0.73 to 0.65.",
      "amount": 0.65,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9df56783-2f0e-49af-a28e-c188c2c2d799/"
    },
    {
      "event_date": "2024-12-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "XP",
      "exchange": "NASDAQ",
      "headline": "XP dividend payment 0.65 USD",
      "detail": "Recorded dividend payment for Xp Inc.",
      "amount": 0.65,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9df56783-2f0e-49af-a28e-c188c2c2d799/"
    },
    {
      "event_date": "2023-12-12",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "XP",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 25.9%",
      "detail": "Payment changed from 0.58 to 0.73.",
      "amount": 0.73,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9df56783-2f0e-49af-a28e-c188c2c2d799/"
    },
    {
      "event_date": "2023-12-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "XP",
      "exchange": "NASDAQ",
      "headline": "XP dividend payment 0.73 USD",
      "detail": "Recorded dividend payment for Xp Inc.",
      "amount": 0.73,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9df56783-2f0e-49af-a28e-c188c2c2d799/"
    },
    {
      "event_date": "2023-09-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "XP",
      "exchange": "NASDAQ",
      "headline": "XP dividend payment 0.58 USD",
      "detail": "Recorded dividend payment for Xp Inc.",
      "amount": 0.58,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9df56783-2f0e-49af-a28e-c188c2c2d799/"
    }
  ]
}