COMP <GO>
SF vs XP // ALTMAN Z-SCORE & DEBT/EQUITY
Stifel Financial Corporation (NYSE) VS. XP Inc. (NASDAQ) • 15-METRIC TALLY: SF 7
— XP 3
■ METRIC PARITY
LAST: $66.69 (-2.44%) • MKT CAP: $10.32B
balance-sheet
—
LAST: $14.29 (-5.05%) • MKT CAP: $7.80B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SF VS. XP)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SF | XP | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.40% | 9.90% | -6.50 | XP | /roic <GO> |
| EV/EBITDA & P/E Valuation | 24.5x | 21.0x | +3.50 | XP | /valuation <GO> |
| Free Cash Flow Yield | 9.18% | 2.21% | +6.97 | SF | /fcf-yield <GO> |
| Operating Margin | 20.90% | 13.90% | +7.00 | SF | /operating-margins <GO> |
| Net Profit Margin | 17.10% | 10.90% | +6.20 | SF | /net-margins <GO> |
| Revenue Growth (YoY) | 14.50% | -1.10% | +15.60 | SF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 7/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 46.0 | 30.2 | +15.80 | SF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.05 | 1.14 | -0.09 | XP | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.4x | 30.5x | -17.10 | SF | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.32B | $7.80B | $2.52B | SF | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SF REV | XP REV | SF GROSS % | XP GROSS % | SF FCF | XP FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.77B | — | — | — | $947.3M | — |
| FY 2024 | $3.29B | — | — | — | $342.2M | — |
| FY 2023 | $2.71B | — | — | — | $377.4M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SF // BETA 1.05
XP // BETA 1.14