Old Republic vs XP

Old Republic International Corporation and XP Inc. This page compares their business models, financial performance, and market context, presenting a neutral view of how each company operates within their sectors. Educational content, not financial advice.

Old Republic International Corporation and XP Inc. This page compares their business models, financial performance, and market context, presenting a neutral view of how each company operates within th...

About The Companies

Old Republic (ORI)

Old Republic International Corporation (ORI) is a diversified insurance holding company known for property & casualty and title insurance operations through a network of subsidiaries. With a market capitalisation of about $10.43 billion, the firm earns premiums, underwriting results and investment income, while managing reserves for future claims. Investors often watch underwriting discipline, combined ratios and the quality of the investment portfolio, since insurers’ profits depend on both claim experience and returns on invested assets. Key vulnerabilities include exposure to catastrophe losses, reserve adequacy and interest-rate movements that affect investment income and discounting. The company’s long history and diversified business mix can offer some resilience, but performance can vary with economic cycles and insurance markets. This summary is educational only and not personalised financial advice — suitability depends on your objectives, risk tolerance and time horizon.

XP (XP)

XP Inc (XP) is a Brazil‑focused financial services platform that began as an online broker and has expanded into wealth management, retail banking and lending. With a market capitalisation around $8.99bn, XP generates revenue from commissions, advisory fees, asset management and interest income, and benefits from growth in Brazilian retail investing and digital adoption. Investors should note exposure to Brazil’s economic cycle, local currency (BRL) volatility, and regulatory changes that can affect margins and client flows. Competition from local banks, fintechs and neo‑banks can pressure fees and customer acquisition costs, while continued product diversification may broaden revenue streams but also raise execution risk. For those assessing XP, focus on metrics such as assets under custody and management, client acquisition and retention, and loan book quality. This is general educational information — not personalised investment advice — and potential returns can rise or fall depending on market and company performance.

Comparison Snapshot

Key Financial Metrics

ORI

Metric

XP

$11.21B

Market Cap

$9.09B

2.65%

Potential Profit

32.14%

Buy

Analyst Rating

Buy

Which Baskets Do They Appear In?

Century Club

These companies have stood the test of time for over 100 years. Carefully selected by our analysts, this collection showcases businesses with proven resilience, established market positions, and the ability to deliver returns across multiple economic cycles.

Published: June 17, 2025

Explore Basket

Which Baskets Do They Appear In?

Century Club

These companies have stood the test of time for over 100 years. Carefully selected by our analysts, this collection showcases businesses with proven resilience, established market positions, and the ability to deliver returns across multiple economic cycles.

Published: June 17, 2025

Explore Basket

Investment Analysis

Old Republic

ORI

Pros

Old Republic International has a strong market capitalisation around $10 billion, supporting its stability and market presence.
The company pays a steady dividend yield near 3%, providing regular income to shareholders.
Analysts have positive price targets around $46.50, suggesting potential upside from current levels.

Considerations

Recent quarterly net income declined compared to the previous year, indicating some pressure on profitability.
The stock trades at a modest P/E ratio near 12, which could imply limited growth expectations.
Despite its size, trading volume is moderate, which might limit liquidity and affect share price movements.

XP

Pros

XP Inc. shows a solid trading volume exceeding 5 million shares, indicative of good liquidity.
The current share price near $18.60 reflects ongoing market interest and reasonable valuation for growth.
XP operates in the dynamic fintech sector, with exposure to Brazil’s growing digital financial services market.

Considerations

XP’s stock price is more volatile with a relatively recent trading range that may present higher risk.
The company is subject to regulatory and macroeconomic risks tied to emerging markets like Brazil.
XP faces strong competition in the fintech space, which could pressure margins and market share gains.

Discover More Comparisons

Old Republic vs Comerica

Old Republic vs Freedom Holding

Invesco vs XP

Invesco vs XP: a comparison of two investment firms

Old Republic vs XP

About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Century Club

Which Baskets Do They Appear In?

Century Club

Investment Analysis

Old Republic

Pros

Considerations

XP

Pros

Considerations

Why invest with Nemo?

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

Old Republic vs Comerica

Old Republic vs Freedom Holding

Invesco vs XP

Frequently asked questions

About The Companies

Comparison Snapshot

Old Republic vs XP

About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Century Club

Which Baskets Do They Appear In?

Century Club

Investment Analysis

Old Republic

Pros

Considerations

XP

Pros

Considerations

Why invest with Nemo?

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

Old Republic vs Comerica

Old Republic vs Freedom Holding

Invesco vs XP

Frequently asked questions

What does a dividend yield tell me, and how does it help when comparing stocks like Old Republic International Corporation and XP Inc.?

How should I interpret a P/E ratio of about 12, and what does it imply when comparing these two stocks?

What is liquidity in stock trading, and why is trading volume important when comparing these stocks?

How do market size and sector focus influence risk when comparing these stocks?

What role do growth versus income play in evaluating Old Republic International and XP Inc.?

How should price targets inform my view on these two stocks?

Which stock might be more sensitive to regulatory and macroeconomic changes, and why?

What market context is important when interpreting these two stocks together?

How can a beginner use the numbers in this comparison page to form a neutral view?

What is the educational disclaimer for this comparison, and how should I use it?

About The Companies

Comparison Snapshot