XTB stock
XTB.WAWSEXTB S.A., Financial ServicesISIN PLXTRDM00011
87Score 87 out of 100, Strong
Price and trend
75 / 100
Price history
+93% in one yearThe chart shows daily closes over 11 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 14% above it.
Since February 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 54).
The price is 24% below its 52-week high. Largest decline in 11 years: 80% (June 2016 to September 2019).
Chart figures for advanced users
- SMA 50$35.87
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$30.74
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)54
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$17.12
- The lowest closing price of the last twelve months.
- Resistance$46.34
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- XTB S.A. belongs to the Financial (Capital Markets) industry (Poland) and, with a market value of $4.11B, is number 54 of 83 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $161.99M (down 24.9% year on year).
- MEQIRI Score 87 out of 100 (Strong): rank 8 of 975 in Financial Services, median 68.
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- The P/E is 11.5 (Financial (Capital Markets) median 14.3, own median of recent years 6.9).
- Our model puts fair value at $33.24, with the price 5% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High return on equityReturn on equity 58.9% over the last 12 months.Profitability 100
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 100
- Analysts expect strong earnings growthUp 20.6% a year through 2028 (estimates from 3 analysts).Growth 98
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are fundamentals and profitability.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 86 to 87.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- price up very strongly over the past year
- high growth grade (crashed more often in the backtest)
- high price swings
What lowers it
- solid fundamentals
Valuation
Valuation signal
Fairly valuedIn our model the price counts as cheap below $25.57 and expensive above $47.49 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $23.07 (excess return model) and $43.41 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 14.4%. At 15.4% the fair value would be $32.07, at 13.4% it would be $34.71.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (14.3).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 61.4% on the twelve months before. Revenue has grown strongly since 2013, at around 20% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 39%, net 30%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 43%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 20 Nov 2026in 7 days
- Last reported
- 28 Aug 2026EPS reported $1.04 (expected $1.04)in line with expectations
Analyst estimates
- Earnings per share
- $3.48+2.6%
- Revenue
- $924.8M+0.8%
- Earnings per share
- $3.26+5.3%
- Revenue
- $995.32M+2.3%
MEQIRI has stored the estimates since 24 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
What happened at XTB
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 87
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Capital Markets)
The next larger and next smaller companies by market value
- Huaan Securities600909.SS $5.12B74
- Galaxy DigitalGLXY $5.04B19
- Korea Investment Holdings071050.KS $4.87B67
- MoelisMC $4.15B67
- LazardLAZ $3.99B64
- Miami International HoldingsMIAX $3.61B61
- MARA HoldingsMARA $2.79B28
- flatexDEGIROFTK.DE $2.68B70
ETFs that hold XTB
Held by 21 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares EM Dividend UCITS ETFEUNY | 0.59% | 0.65% | €1.25B |
| iShares STOXX Europe 600 Financial Services UCITS ETF (DE)EXH2 | 0.38% | 0.46% | €98.93M |
| iShares STOXX Europe Small 200 UCITS ETF (DE)EXSE | 0.32% | 0.20% | €632.25M |
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| iShares Ageing Population UCITS ETF2B77 | 0.22% | 0.40% | €813.42M |
| iShares MSCI EM Small Cap UCITS ETFEUNI | 0.17% | 0.74% | €279.38M |
| State Street SPDR MSCI Emerging Markets Small Cap UCITS ETFSPYX | 0.17% | 0.55% | €528.3M |
| Avantis Emerging Markets Equity UCITS ETF USD AccAVEM | 0.08% | 0.35% | €284.54M |
| WisdomTree Emerging Markets ex-State Owned Enterprises UCITS ETF AccumUSDXSOE | 0.06% | 0.32% | €17.98M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = PLN 3.9742)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 31 Oct 2021)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.