COMPARE · Data as of August 27, 2026
MARA vs XP
Verdict: Side-by-side breakdown using the Bull Rankings model. MARA scored 76.0, XP scored 72.0 — MARA leads.
Compare another set
Different reporting periods. MARA's fundamentals are as of June 2026, but XP's are as of December 2025 — a 6-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
MARA
MARA Holdings, Inc.
—
$11.87 · $4.6B
fundamentals as of
Different scales
—
Not directly comparable
XP
XP Inc.
67.6Fin
$17.80 · $9.0B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- Fastest growthMARA+38.2%
Side by side · every name on one set of axes
Fundamentals, head-to-head
MARA
XP
+38.2%A
Rev
+7.3%B
—
P/E
8.8xA-
—
ROE
22.6%A-
2.73C+
P/B
1.96B
0.0%C
Yield
1.2%C+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
MARAMARA Holdings, Inc.
Why now
Capital Markets · market cap $4.6b. Down 49% from 52-week high of $23.45 — deep drawdown territory. Revenue growing +38% — in hypergrowth territory. PEG 0.10 — paying under fair value for the growth rate. 11 sell-side analysts rate this a Buy with a mean 1-yr target of $17.99 (implying +52% upside).
Moat
Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Down 49% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Beta 5.36 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
XPXP Inc.
Why now
Capital Markets · market cap $9.0b. Down 23% from 52-week high of $23.13 — deep drawdown territory. PEG 0.66 — paying under fair value for the growth rate. 9 sell-side analysts rate this a Buy with a mean 1-yr target of $22.17 (implying +25% upside).
Moat
Net margin 29% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 23% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
D/E 6.42 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.