SEI vs XP

This page compares SEI and XP Inc., examining their business models, financial performance, and market context in a clear, neutral way. It presents approachable explanations of how each company operates, the markets they serve, and the implications for stakeholders. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

SEIC

Metric

$10.25B

Market Cap

$9.52B

27.37%

Potential Profit

22.04%

Buy

Analyst Rating

Buy

Investment Analysis

SEI

SEIC

Pros

SEI Investments has demonstrated strong revenue and earnings growth, with a 10.7% increase in revenue and 25.7% rise in earnings in 2024.
The company manages, administers, or advises on approximately $1.6 trillion in assets, reflecting a significant scale and diversified client base.
SEI maintains a solid balance sheet with a market capitalisation above $10 billion and a low beta, indicating relative stability compared to the broader market.

Considerations

A large portion of SEI's revenue is tied to asset management and administration fees, making it highly sensitive to fluctuations in financial markets.
The company's profitability can be pressured during periods of market downturns or prolonged low interest rates, affecting fee-based income.
SEI's forward price-to-earnings ratio is above the sector median, suggesting a relatively high valuation compared to peers.

XP

Pros

XP Inc. operates as a leading technology-driven financial services platform in Brazil, benefiting from a rapidly growing domestic market.
The company has a strong track record of revenue growth and expanding its product offerings, including low-fee investment and banking services.
XP's digital platform enables high scalability and low operating costs, supporting margin expansion and competitive pricing.

Considerations

XP's business is concentrated in Brazil, exposing it to country-specific risks such as currency volatility, regulatory changes, and economic instability.
The company faces increasing competition from both traditional banks and new fintech entrants in the Brazilian financial sector.
XP's valuation is relatively high compared to regional peers, which may limit upside potential if growth slows or macroeconomic conditions deteriorate.

About The Companies

SEI (SEIC)

SEI Investments Co. (SEIC) is a global company operating at the intersection of finance and technology. It provides a wide range of services, including wealth and asset management, investment processing, and operational platforms for financial institutions. The company serves a diverse client base, such as private banks, investment advisors, institutional investors like retirement funds and non-profits, and investment managers. By offering outsourced solutions, SEI helps its clients manage their operations and investment strategies more efficiently. For potential investors, SEI represents a business that is deeply integrated into the global financial services industry. As with any investment, it's important to remember that the value of shares can go down as well as up, and past performance is not a reliable indicator of future returns. This information is for educational purposes and not financial advice.

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.

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SEI vs XP

Comparison Snapshot

Investment Analysis

SEI

Pros

Considerations

XP

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?

Buy SEIC or XP in Nemo

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Comparison Snapshot

About The Companies