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XP ( (XP) ) has shared an announcement.
XP Inc., a leading Brazilian tech-enabled investment platform, reported its fourth-quarter and full-year 2025 results on February 12, 2026, highlighting its client-centric, open-architecture model and the evolution of its advisor network into full financial planners. The firm emphasized its use of technology and artificial intelligence to enhance advisor productivity, personalize client service, and scale high-quality wealth planning historically reserved for private banking clients.
In 2025, XP’s assets under custody reached about R$1.5 trillion, revenues grew 8%, and net income and EPS rose 15% and 18%, respectively, despite a difficult environment marked by shorter investment durations and lower market activity. Management said recent challenges led to stronger governance and controls, while the wholesale bank, built over the past five years, became one of Brazil’s most relevant franchises and a key competitive edge by deepening integration between corporate, institutional, and retail operations.
The company reported entering 2026 with a temporarily elevated capital base, stating it intends to optimize capital allocation while maintaining flexibility and shareholder returns. XP also outlined plans to invest further in its core strategic pillars of investment leadership, complementary retail offerings, and wholesale banking, including expanding its sales force, technology and marketing capabilities, and pursuing opportunities in SME banking and credit with disciplined risk management.
The most recent analyst rating on (XP) stock is a Buy with a $22.00 price target. To see the full list of analyst forecasts on XP stock, see the XP Stock Forecast page.
Spark’s Take on XP Stock
According to Spark, TipRanks’ AI Analyst, XP is a Outperform.
XP’s overall stock score is driven by strong financial performance and attractive valuation metrics. The company’s robust net income growth and improved leverage position are significant strengths. Technical indicators suggest potential for upward movement, while strategic investments highlighted in the earnings call support future growth prospects.
To see Spark’s full report on XP stock, click here.
More about XP
XP Inc. is a Brazil-based, tech-enabled financial services platform that offers low-fee investment and wealth management products to retail, high-income, institutional, and corporate clients. Listed on Nasdaq, the company operates an open investment architecture and an integrated ecosystem that combines retail investments with a fast-growing wholesale and investment banking franchise in Brazil.
Average Trading Volume: 7,055,528
Technical Sentiment Signal: Buy
Current Market Cap: $10.5B
See more data about XP stock on TipRanks’ Stock Analysis page.