AI Analysis

Log in to generate an AI summary for this stock.

Log in to generate a MOAT report for this stock.

Log in to generate an earnings report for this stock.

Log in to generate an operating leverage report for this stock.

Log in to generate a management report for this stock.

Log in to generate a valuation report for this stock.

XPO Logistics, Inc.

$179.28 +$40.49 (+29.17%)
NYSE · 14 Sep 2026 16:47 UTC
Previous Close
$182.18
Day Range
$176.68$180.41
Year Range
$121.48$232.05
Market Cap
20.99B
AVG Volume
1.26M
Trailing/Forward PE
52.27/27.49
PEG ratio
2.78
Dividend Yield
-
Next Earnings Date
2026-10-29
Primary Exchange
New York Stock ExchangeUS
Revenue (USD)
01B2B3B24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
XPO Revenue (USD) by quarter
PeriodRevenue (USD)
26 Q22.35B
26 Q12.1B
25 Q42.01B
25 Q32.11B
25 Q22.08B
25 Q11.95B
24 Q41.92B
24 Q32.05B
24 Q22.08B
24 Q12.02B
Net Income (USD)
050M100M150M200M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
XPO Net Income (USD) by quarter
PeriodNet Income (USD)
26 Q2162M
26 Q1101M
25 Q459M
25 Q382M
25 Q2106M
25 Q169M
24 Q475M
24 Q395M
24 Q2150M
24 Q167M
Operating Income (USD)
0100M200M300M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
XPO Operating Income (USD) by quarter
PeriodOperating Income (USD)
26 Q2290M
26 Q1184M
25 Q4162M
25 Q3207M
25 Q2198M
25 Q1151M
24 Q4149M
24 Q3176M
24 Q2197M
24 Q1138M
EBITDA (USD)
0200M400M600M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
XPO EBITDA (USD) by quarter
PeriodEBITDA (USD)
26 Q2403M
26 Q1308M
25 Q4277M
25 Q3300M
25 Q2330M
25 Q1270M
24 Q4279M
24 Q3317M
24 Q2325M
24 Q1265M
Cash Flows (USD)
-200M-100M0100M200M300M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
XPO Cash Flows (USD) by quarter
PeriodCash Flows (USD)
26 Q2181M
26 Q172M
25 Q4120M
25 Q3215M
25 Q251M
25 Q1-57M
24 Q423M
24 Q3137M
24 Q220M
24 Q1-161M
EPS (USD)
00.511.524 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
XPO EPS (USD) by quarter
PeriodEPS (USD)
26 Q21.36
26 Q10.85
25 Q40.5
25 Q30.68
25 Q20.89
25 Q10.57
24 Q40.63
24 Q30.79
24 Q21.25
24 Q10.56
Expenses (USD)
0100M200M300M400MSG&ACapex24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
XPO Expenses (USD) by quarter
PeriodExpenses (USD)
26 Q2167M
26 Q1145M
25 Q4155M
25 Q3199M
25 Q2236M
25 Q1234M
24 Q4195M
24 Q3160M
24 Q2223M
24 Q1344M
Cash & Debt (USD)
01B2B3B4BCashLong Term DebtShort Term Debt24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
XPO Cash & Debt (USD) by quarter
PeriodCash & Debt (USD)
26 Q2298M
26 Q1237M
25 Q4310M
25 Q3335M
25 Q2225M
25 Q1212M
24 Q4246M
24 Q3381M
24 Q2250M
24 Q1229M
Debt ratios
024624 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
XPO Debt ratios by quarter
PeriodDebt ratios
26 Q22.86
26 Q13.12
25 Q43.73
25 Q33.72
25 Q23.3
25 Q13.27
24 Q43.26
24 Q33.31
24 Q23.56
24 Q14.04
Margins
0%5%10%15%24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
XPO Margins by quarter
PeriodMargins
26 Q214.95%
26 Q111.4%
25 Q411.59%
25 Q312.84%
25 Q212.88%
25 Q110.59%
24 Q49.73%
24 Q311.98%
24 Q212.75%
24 Q110.7%
Return on Capital
0%5%10%15%24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
XPO Return on Capital by quarter
PeriodReturn on Capital
26 Q28.26%
26 Q15.46%
25 Q43.17%
25 Q34.51%
25 Q25.95%
25 Q14.21%
24 Q44.69%
24 Q35.79%
24 Q210.01%
24 Q15.03%
Shares Outstanding
050M100M150M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
XPO Shares Outstanding by quarter
PeriodShares Outstanding
26 Q2117M
26 Q1117M
25 Q4117M
25 Q3118M
25 Q2118M
25 Q1117M
24 Q4116M
24 Q3116M
24 Q2116M
24 Q1116M
Book Value Per Share (USD)
0510152024 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
XPO Book Value Per Share (USD) by quarter
PeriodBook Value Per Share (USD)
26 Q216.77
26 Q115.82
25 Q415.91
25 Q315.4
25 Q215.09
25 Q114.02
24 Q413.79
24 Q314.15
24 Q212.92
24 Q111.48
Total Assets (USD)
02.5B5B7.5B10B24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
XPO Total Assets (USD) by quarter
PeriodTotal Assets (USD)
26 Q28.33B
26 Q18.18B
25 Q48.19B
25 Q38.19B
25 Q28.13B
25 Q17.88B
24 Q47.71B
24 Q37.92B
24 Q27.73B
24 Q17.6B
Employee Count
050K100K150K2016201720182019202020212022202320242025
XPO Employee Count by quarter
PeriodEmployee Count
202522.5K
202438K
202338K
202223K
202142K
2020102K
2019100K
2018100K
201795K
201687K
PE Ratio
20406080100med 47.05Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
XPO PE Ratio by quarter
PeriodPE Ratio
Sep 2652.76
Sep 2655.92
Aug 2654.61
Aug 2657.27
Aug 2661.12
Aug 2658.67
Jul 2658.2
Jul 2671.62
Jul 2672.29
Jul 2669.89
Jul 2669.37
Jun 2667.73
Jun 2667.07
Jun 2676.77
Jun 2673.61
May 2672.03
May 2668.22
May 2668.66
May 2668.75
May 2672.38
Apr 2682.82
Apr 2683.31
Apr 2678.77
Apr 2674.24
Mar 2670
Mar 2667.33
Mar 2667.28
Mar 2669.85
Feb 2677.93
Feb 2677.71
Feb 2672.32
Feb 2675.39
Jan 2652.64
Jan 2652.34
Jan 2653.46
Jan 2652.15
Jan 2649.33
Dec 2550.23
Dec 2549.23
Dec 2552.98
Dec 2550.8
Nov 2550.49
Nov 2547.1
Nov 2547.54
Nov 2550.03
Oct 2551.13
Oct 2543.02
Oct 2544.44
Oct 2544.25
Oct 2543.95
Sep 2543.11
Sep 2544.79
Sep 2544.53
Sep 2544.78
Aug 2544.36
Aug 2546.99
Aug 2543.57
Aug 2541.12
Aug 2540.63
Jul 2541.6
Jul 2538.99
Jul 2539.81
Jul 2539.74
Jun 2538.34
Jun 2536.05
Jun 2536.23
Jun 2535.63
May 2534.24
May 2535.19
May 2538.53
May 2533.39
May 2533.01
Apr 2528.9
Apr 2529
Apr 2528.11
Apr 2527.44
Mar 2532.1
Mar 2532.55
Mar 2532.14
Mar 2532.48
Feb 2536.86
Feb 2537.34
Feb 2543.65
Feb 2544.41
Jan 2541.91
Jan 2543.61
Jan 2543.13
Jan 2542.07
Jan 2543.41
Dec 2441.47
Dec 2442.4
Dec 2449
Dec 2447.54
Nov 2447.78
Nov 2446.7
Nov 2445.71
Nov 2447.73
Nov 2440.82
Oct 2438.03
Oct 2436.48
Free Cash Flow Yield
-7.5%-5%-2.5%0%2.5%5%med 1.03%Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
XPO Free Cash Flow Yield by quarter
PeriodFree Cash Flow Yield
Sep 262.76%
Sep 262.6%
Aug 262.67%
Aug 262.54%
Aug 262.38%
Aug 262.48%
Jul 262.5%
Jul 261.84%
Jul 261.82%
Jul 261.88%
Jul 261.9%
Jun 261.94%
Jun 261.96%
Jun 261.71%
Jun 261.79%
May 261.83%
May 261.93%
May 261.92%
May 261.91%
May 261.82%
Apr 261.26%
Apr 261.25%
Apr 261.32%
Apr 261.4%
Mar 261.49%
Mar 261.55%
Mar 261.55%
Mar 261.49%
Feb 261.34%
Feb 261.34%
Feb 261.44%
Feb 261.38%
Jan 261.33%
Jan 261.34%
Jan 261.31%
Jan 261.34%
Jan 261.42%
Dec 251.39%
Dec 251.42%
Dec 251.32%
Dec 251.38%
Nov 251.38%
Nov 251.48%
Nov 251.47%
Nov 251.4%
Oct 251.37%
Oct 251.04%
Oct 251%
Oct 251.01%
Oct 251.02%
Sep 251.04%
Sep 251%
Sep 251%
Sep 251%
Aug 251.01%
Aug 250.95%
Aug 251.02%
Aug 251.09%
Aug 251.1%
Jul 250.76%
Jul 250.81%
Jul 250.79%
Jul 250.8%
Jun 250.82%
Jun 250.88%
Jun 250.87%
Jun 250.89%
May 250.92%
May 250.9%
May 250.82%
May 250.95%
May 250.96%
Apr 250.17%
Apr 250.17%
Apr 250.17%
Apr 250.18%
Mar 250.15%
Mar 250.15%
Mar 250.15%
Mar 250.15%
Feb 250.13%
Feb 250.13%
Feb 250.11%
Feb 250.11%
Jan 25-5.11%
Jan 25-4.91%
Jan 25-4.97%
Jan 25-5.09%
Jan 25-4.94%
Dec 24-5.17%
Dec 24-5.05%
Dec 24-4.37%
Dec 24-4.51%
Nov 24-4.49%
Nov 24-4.59%
Nov 24-4.69%
Nov 24-4.49%
Nov 24-5.25%
Oct 24-6.12%
Oct 24-6.38%
Price to Sales
11.522.533.5med 2.04Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
XPO Price to Sales by quarter
PeriodPrice to Sales
Sep 262.49
Sep 262.64
Aug 262.57
Aug 262.7
Aug 262.88
Aug 262.76
Jul 262.74
Jul 263
Jul 263.03
Jul 262.93
Jul 262.91
Jun 262.84
Jun 262.81
Jun 263.22
Jun 263.09
May 263.02
May 262.86
May 262.88
May 262.88
May 263.04
Apr 263.21
Apr 263.23
Apr 263.05
Apr 262.88
Mar 262.71
Mar 262.61
Mar 262.61
Mar 262.71
Feb 263.02
Feb 263.01
Feb 262.8
Feb 262.92
Jan 262.17
Jan 262.15
Jan 262.2
Jan 262.15
Jan 262.03
Dec 252.07
Dec 252.03
Dec 252.18
Dec 252.09
Nov 252.08
Nov 251.94
Nov 251.96
Nov 252.06
Oct 252.1
Oct 251.85
Oct 251.91
Oct 251.91
Oct 251.89
Sep 251.86
Sep 251.93
Sep 251.92
Sep 251.93
Aug 251.91
Aug 252.02
Aug 251.88
Aug 251.77
Aug 251.75
Jul 252.02
Jul 251.89
Jul 251.93
Jul 251.93
Jun 251.86
Jun 251.75
Jun 251.76
Jun 251.73
May 251.66
May 251.71
May 251.87
May 251.62
May 251.6
Apr 251.39
Apr 251.39
Apr 251.35
Apr 251.32
Mar 251.54
Mar 251.56
Mar 251.54
Mar 251.56
Feb 251.77
Feb 251.79
Feb 252.09
Feb 252.13
Jan 251.92
Jan 251.99
Jan 251.97
Jan 251.92
Jan 251.99
Dec 241.9
Dec 241.94
Dec 242.24
Dec 242.17
Nov 242.19
Nov 242.14
Nov 242.09
Nov 242.18
Nov 241.87
Oct 241.7
Oct 241.63
EV/EBITDA
1015202530med 17.6Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
XPO EV/EBITDA by quarter
PeriodEV/EBITDA
Sep 2619.41
Sep 2620.41
Aug 2619.99
Aug 2620.83
Aug 2622.04
Aug 2621.27
Jul 2621.12
Jul 2623.63
Jul 2623.83
Jul 2623.14
Jul 2622.99
Jun 2622.52
Jun 2622.33
Jun 2625.11
Jun 2624.21
May 2623.75
May 2622.66
May 2622.79
May 2622.82
May 2623.85
Apr 2625.97
Apr 2626.1
Apr 2624.88
Apr 2623.66
Mar 2622.52
Mar 2621.81
Mar 2621.79
Mar 2622.48
Feb 2624.65
Feb 2624.59
Feb 2623.15
Feb 2623.97
Jan 2618.54
Jan 2618.46
Jan 2618.77
Jan 2618.41
Jan 2617.61
Dec 2517.86
Dec 2517.58
Dec 2518.64
Dec 2518.02
Nov 2517.94
Nov 2516.98
Nov 2517.11
Nov 2517.81
Oct 2518.12
Oct 2515.7
Oct 2516.12
Oct 2516.06
Oct 2515.97
Sep 2515.73
Sep 2516.21
Sep 2516.14
Sep 2516.21
Aug 2516.09
Aug 2516.85
Aug 2515.87
Aug 2515.16
Aug 2515.02
Jul 2516.86
Jul 2516.01
Jul 2516.28
Jul 2516.25
Jun 2515.8
Jun 2515.05
Jun 2515.11
Jun 2514.91
May 2514.46
May 2514.77
May 2515.86
May 2514.18
May 2514.05
Apr 2512.69
Apr 2512.73
Apr 2512.44
Apr 2512.22
Mar 2513.74
Mar 2513.89
Mar 2513.75
Mar 2513.86
Feb 2515.29
Feb 2515.45
Feb 2517.51
Feb 2517.76
Jan 2516.9
Jan 2517.45
Jan 2517.3
Jan 2516.95
Jan 2517.39
Dec 2416.76
Dec 2417.06
Dec 2419.2
Dec 2418.73
Nov 2418.81
Nov 2418.46
Nov 2418.13
Nov 2418.79
Nov 2416.55
Oct 2416.06
Oct 2415.55
Price/Operating Cashflow
1015202530med 18.51Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
XPO Price/Operating Cashflow by quarter
PeriodPrice/Operating Cashflow
Sep 2619.59
Sep 2620.77
Aug 2620.28
Aug 2621.26
Aug 2622.7
Aug 2621.78
Jul 2621.61
Jul 2624.27
Jul 2624.5
Jul 2623.68
Jul 2623.51
Jun 2622.95
Jun 2622.73
Jun 2626.01
Jun 2624.94
May 2624.41
May 2623.12
May 2623.27
May 2623.3
May 2624.53
Apr 2626.54
Apr 2626.7
Apr 2625.24
Apr 2623.79
Mar 2622.43
Mar 2621.58
Mar 2621.56
Mar 2622.39
Feb 2624.97
Feb 2624.9
Feb 2623.18
Feb 2624.16
Jan 2618.42
Jan 2618.31
Jan 2618.7
Jan 2618.24
Jan 2617.26
Dec 2517.57
Dec 2517.22
Dec 2518.53
Dec 2517.77
Nov 2517.66
Nov 2516.48
Nov 2516.63
Nov 2517.5
Oct 2517.89
Oct 2517.63
Oct 2518.21
Oct 2518.13
Oct 2518.01
Sep 2517.66
Sep 2518.35
Sep 2518.25
Sep 2518.35
Aug 2518.18
Aug 2519.26
Aug 2517.85
Aug 2516.85
Aug 2516.65
Jul 2520.1
Jul 2518.84
Jul 2519.24
Jul 2519.2
Jun 2518.53
Jun 2517.42
Jun 2517.51
Jun 2517.22
May 2516.54
May 2517
May 2518.62
May 2516.13
May 2515.95
Apr 2513.84
Apr 2513.89
Apr 2513.46
Apr 2513.14
Mar 2515.37
Mar 2515.59
Mar 2515.4
Mar 2515.56
Feb 2517.65
Feb 2517.89
Feb 2520.91
Feb 2521.27
Jan 2517.84
Jan 2518.57
Jan 2518.37
Jan 2517.91
Jan 2518.48
Dec 2417.65
Dec 2418.05
Dec 2420.86
Dec 2420.24
Nov 2420.34
Nov 2419.89
Nov 2419.46
Nov 2420.32
Nov 2417.38
Oct 2416.29
Oct 2415.63
Price to Book
6810121416med 9.51Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
XPO Price to Book by quarter
PeriodPrice to Book
Sep 2610.86
Sep 2611.52
Aug 2611.24
Aug 2611.79
Aug 2612.59
Aug 2612.08
Jul 2611.98
Jul 2613.46
Jul 2613.59
Jul 2613.14
Jul 2613.04
Jun 2612.73
Jun 2612.61
Jun 2614.43
Jun 2613.84
May 2613.54
May 2612.83
May 2612.91
May 2612.93
May 2613.61
Apr 2614.06
Apr 2614.15
Apr 2613.37
Apr 2612.61
Mar 2611.89
Mar 2611.43
Mar 2611.42
Mar 2611.86
Feb 2613.23
Feb 2613.19
Feb 2612.28
Feb 2612.8
Jan 269.62
Jan 269.56
Jan 269.77
Jan 269.53
Jan 269.01
Dec 259.18
Dec 259
Dec 259.68
Dec 259.28
Nov 259.23
Nov 258.61
Nov 258.69
Nov 259.14
Oct 259.34
Oct 258.33
Oct 258.61
Oct 258.57
Oct 258.51
Sep 258.35
Sep 258.68
Sep 258.63
Sep 258.67
Aug 258.59
Aug 259.1
Aug 258.44
Aug 257.97
Aug 257.87
Jul 259.87
Jul 259.25
Jul 259.44
Jul 259.43
Jun 259.09
Jun 258.55
Jun 258.59
Jun 258.45
May 258.12
May 258.35
May 259.14
May 257.92
May 257.83
Apr 256.99
Apr 257.01
Apr 256.8
Apr 256.64
Mar 257.76
Mar 257.87
Mar 257.77
Mar 257.86
Feb 258.91
Feb 259.03
Feb 2510.56
Feb 2510.74
Jan 259.45
Jan 259.83
Jan 259.73
Jan 259.49
Jan 259.79
Dec 249.35
Dec 249.56
Dec 2411.05
Dec 2410.72
Nov 2410.77
Nov 2410.53
Nov 2410.31
Nov 2410.76
Nov 249.2
Oct 249.11
Oct 248.74
XPO Logistics, Inc.
XPO
Stockpicker

Video analysis: XPO

All videos

No video analysis for this stock yet. Request one from our team.

Your email is used only to follow up on this request. We do not add you to marketing lists. Privacy Policy

News: XPO

XPO (XPO) Upgraded to Strong Buy: Here's What You Should Know

zacks.com · 11 Sep 2026

XPO (XPO) Upgraded to Strong Buy: Here's What You Should Know

XPO (XPO) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Baird Financial Group Inc. Reduces Holdings in XPO, Inc. $XPO

defenseworld.net · 11 Sep 2026

Baird Financial Group Inc. Reduces Holdings in XPO, Inc. $XPO

Baird Financial Group Inc. cut its holdings in XPO, Inc. (NYSE: XPO) by 15.5% in the undefined quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The firm owned 142,900 shares of the transportation company's stock after selling 26,133 shares during the period. Baird Financial Group

Trucking Stocks Have Been Pummeled but Wall Street Sees Four to Buy

barrons.com · 10 Sep 2026

Trucking Stocks Have Been Pummeled but Wall Street Sees Four to Buy

XPO, Saia, Knight-Swift, and Paccar could benefit as tightening trucking capacity and improving freight rates outweigh the hit from soaring diesel prices.

California State Teachers Retirement System Boosts Stake in XPO, Inc. $XPO

defenseworld.net · 10 Sep 2026

California State Teachers Retirement System Boosts Stake in XPO, Inc. $XPO

California State Teachers Retirement System boosted its position in XPO, Inc. (NYSE: XPO) by 25,005.6% in the undefined quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission (SEC). The fund owned 34,184,070 shares of the transportation company's stock after purchasing an additional 34,047,909 shares during the

XPO Schedules Third Quarter 2026 Earnings Conference Call for Thursday, October 29, 2026

globenewswire.com · 9 Sep 2026

XPO Schedules Third Quarter 2026 Earnings Conference Call for Thursday, October 29, 2026

GREENWICH, Conn., Sept. 09, 2026 (GLOBE NEWSWIRE) -- XPO (NYSE: XPO) will hold its third quarter conference call and webcast on Thursday, October 29, at 8:30 a.m. Eastern Time. The company's results will be released earlier that morning and made available on www.xpo.com .

Jupiter Topco LLC Makes New $1.75 Million Investment in XPO, Inc. $XPO

defenseworld.net · 4 Sep 2026

Jupiter Topco LLC Makes New $1.75 Million Investment in XPO, Inc. $XPO

Jupiter Topco LLC acquired a new position in XPO, Inc. (NYSE: XPO) during the undefined quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission. The firm acquired 8,520 shares of the transportation company's stock, valued at approximately $1,749,000. Other large investors have also recently made changes

XPO Provides North American LTL Operating Data for August 2026

globenewswire.com · 3 Sep 2026

XPO Provides North American LTL Operating Data for August 2026

GREENWICH, Conn., Sept. 03, 2026 (GLOBE NEWSWIRE) -- XPO (NYSE: XPO), a leading provider of freight transportation in North America, today reported certain preliminary LTL segment operating metrics for August 2026.

Three XPO Drivers Earn Top Awards at 2026 National Truck Driving Championships

globenewswire.com · 18 Aug 2026

Three XPO Drivers Earn Top Awards at 2026 National Truck Driving Championships

GREENWICH, Conn., Aug. 18, 2026 (GLOBE NEWSWIRE) -- XPO (NYSE: XPO), a leading provider of freight transportation in North America, today announced that three of its drivers earned top honors at the 2026 National Truck Driving Championships (NTDC). Chris Poynor of Pasco, Washington, placed first in the 3-Axle class. An accomplished competitor, Chris was named Grand Champion of the 2026 Washington Truck Driving Championships and previously won two national titles in the Twins class. He has driven more than two million consecutive accident-free miles over his 27-year career with XPO. Two other XPO drivers earned spots on the podium at this year's national championships:

Similar companies

Disclaimer: The historical data presented on this platform is provided by Financial Modeling Prep. Stock Picker is a platform for informational purposes only and does not provide financial advice. Users are encouraged to conduct their own research and consult with a qualified financial advisor before making investment decisions.