VLY vs XP

Comparison between Valley National Bancorp (VLY, Company) and XP Inc - Class A (XP, Company).

Both VLY and XP are from the Financial Services sector.

5-Year PerformanceVLY has outperformed XP, delivering a return of +5.0% compared to -16.6%

VLY vs XP - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	VLY(COMPANY)	XP(COMPANY)
Market Cap	$7.87B	$7.85B
Max Drawdown	71.87%	79.19%
Sharpe Ratio	1.79	-0.33
5Y Beta	1.06	1.03
Industry	Banks - Regional	Capital Markets
P/E Ratio	13.97	8.16
Forward P/E	10.94	9.53
PEG Ratio	0.42	0.41
Dividend Yield	3.11%	1.34%
5Y Dividends CAGR	4.56%	N/A
5Y EPS CAGR	1.21%	18.25%
Debt to Equity	0.82%	366.57%
Free Cash Flow Yield	7.04%	35.95%
P/S Ratio	4.03	0.42
P/B Ratio	1.02	1.70

Market Cap

Winner

VLY

$7.87B

$7.85B

Max Drawdown

Winner

VLY

71.87%

79.19%

Sharpe Ratio

Winner

VLY

1.79

-0.33

5Y Beta

VLY

1.06

Winner

1.03

Industry

VLY

Banks - Regional

Capital Markets

P/E Ratio

VLY

13.97

Winner

8.16

Forward P/E

VLY

10.94

Winner

9.53

PEG Ratio

VLY

0.42

Winner

0.41

Dividend Yield

Winner

VLY

3.11%

1.34%

5Y Dividends CAGR

VLY

4.56%

N/A

5Y EPS CAGR

VLY

1.21%

Winner

18.25%

Debt to Equity

Winner

VLY

0.82%

366.57%

Free Cash Flow Yield

VLY

7.04%

Winner

35.95%

P/S Ratio

VLY

4.03

Winner

0.42

P/B Ratio

Winner

VLY

1.02

1.70

VLY vs XP - Historical Returns

Returns include dividend reinvestment.

Period	VLY	XP
1 month	+8.59%	-15.03%
3 months	+21.92%	-20.50%
6 months	+23.87%	-10.68%
1 year	+67.84%	-22.31%
5 years(CAGR)	+4.99%	-16.65%
10 years(CAGR)	+8.99%	N/A
Max(CAGR)	+6.87%	-9.68%

Winner

VLY

+8.59%

-15.03%

Winner

VLY

+21.92%

-20.50%

Winner

VLY

+23.87%

-10.68%

Winner

VLY

+67.84%

-22.31%

5Y(CAGR)

Winner

VLY

+4.99%

-16.65%

10Y(CAGR)

VLY

+8.99%

N/A

Max(CAGR)

Winner

VLY

+6.87%

-9.68%

VLY vs XP - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	VLY	XP
2026	+24.42%	-1.98%
2025	+36.77%	+40.01%
2024	-11.39%	-51.35%
2023	+0.87%	+99.31%
2022	-15.77%	-47.09%
2021	+45.93%	-26.70%
2020	-9.35%	+2.80%
2019	+31.74%	+11.78%
2018	-18.01%	N/A
2017	-0.26%	N/A
2016	+27.30%	N/A
2015	+7.00%	N/A
2014	+1.81%	N/A
2013	+11.08%	N/A
2012	-10.45%	N/A
2011	+1.74%	N/A
2010	+18.96%	N/A
2009	-15.04%	N/A
2008	+23.18%	N/A
2007	-22.11%	N/A
2006	+17.03%	N/A
2005	-1.74%	N/A
2004	+3.41%	N/A
2003	+21.96%	N/A
2002	+3.63%	N/A
2001	+15.65%	N/A
2000	+32.74%	N/A
1999	+5.73%	N/A

VLY vs XP Drawdown Comparison

The maximum drawdown for VLY was -62.18%, occurring on Mar 9, 2009. Recovery took 1700 trading sessions.

The maximum drawdown for XP was -79.19%, occurring on Mar 23, 2023. This drawdown has not yet recovered.

The current XP drawdown is -65.26%.

Rank	VLY	XP
#1	-62.18% Sep 19, 2008 - Jun 23, 2015	-79.19% Sep 2, 2021 - Mar 23, 2023
#2	-53.93% Jan 14, 2022 - Jan 29, 2026	-60.55% Feb 20, 2020 - Jun 16, 2020
#3	-48.36% Jun 8, 2018 - Feb 10, 2021	-29.90% Sep 1, 2020 - Sep 2, 2021
#4	-33.56% Dec 28, 2006 - Aug 11, 2008	-15.01% Jun 23, 2020 - Aug 6, 2020
#5	-24.57% Nov 30, 2015 - Nov 10, 2016	-12.96% Aug 6, 2020 - Sep 1, 2020
#6	-22.77% Dec 27, 2000 - Sep 28, 2001	-12.15% Jan 22, 2020 - Feb 19, 2020
#7	-22.27% Dec 31, 1999 - Apr 11, 2000	-9.48% Dec 20, 2019 - Jan 21, 2020
#8	-17.94% May 17, 2021 - Nov 5, 2021	-9.04% Dec 13, 2019 - Dec 18, 2019
#9	-14.54% Mar 1, 2017 - Jan 19, 2018	-3.39% Jun 18, 2020 - Jun 23, 2020
#10	-14.30% May 3, 2002 - Apr 30, 2003	-0.89% Dec 18, 2019 - Dec 20, 2019
#11	-14.22% Dec 1, 2003 - Oct 26, 2004	N/A
#12	-13.65% Jul 1, 2015 - Oct 28, 2015	N/A
#13	-13.64% Feb 6, 2026 - Apr 20, 2026	N/A
#14	-13.18% Aug 11, 2008 - Sep 18, 2008	N/A
#15	-12.73% Nov 4, 2004 - Dec 1, 2005	N/A

Correlation

Correlation between VLY and XP is -0.13 which considered as a very weak or no correlation - the stocks move independently of each other.

-0.13

-101

Dividend Comparison (1999 - 2026)

VLY vs XP dividend yield comparison.

Year	VLY	XP
2026	0.76%	1.28%
2025	3.77%	1.10%
2024	4.86%	5.49%
2023	4.05%	5.02%
2022	3.89%	0.00%
2021	3.20%	0.00%
2020	4.51%	0.00%
2019	3.84%	0.00%
2018	4.95%	0.00%
2017	3.92%	0.00%
2016	3.78%	0.00%
2015	4.47%	0.00%
2014	4.53%	0.00%
2013	5.90%	0.00%
2012	17.76%	0.00%
2011	13.65%	0.00%
2010	12.04%	0.00%
2009	12.25%	0.00%
2008	8.89%	0.00%
2007	9.68%	0.00%
2006	7.04%	0.00%
2005	7.78%	0.00%
2004	6.87%	0.00%
2003	6.47%	0.00%
2002	3.36%	0.00%
2001	6.96%	0.00%
2000	5.52%	0.00%
1999	0.50%	0.00%