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An update from XP ( (XP) ) is now available.
On August 18, 2025, XP Inc. reported its financial results for the second quarter of 2025, highlighting a 14% year-over-year increase in total client assets, reaching R$1.4 trillion. Despite a significant 70% drop in total net inflow compared to the previous year, the company saw a 24% growth in its credit portfolio and a 45% increase in gross written premiums. The net income rose by 18% year-over-year, driven by strong performance in retail revenue, which grew by 9%. The announcement underscores XP Inc.’s continued growth in client assets and revenue, although challenges remain in maintaining net inflow levels.
The most recent analyst rating on (XP) stock is a Hold with a $19.00 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 positive earnings call highlights, including record net income and ROE. However, technical indicators suggest caution due to bearish momentum and potential overbought conditions. Valuation metrics are reasonable, supporting the stock’s attractiveness.
To see Spark’s full report on XP stock, click here.
More about XP
XP Inc. is a leading tech-enabled platform based in Brazil, known for providing low-fee financial products and services. The company focuses on the financial services industry, offering a range of products including investments, retirement plans, credit, and insurance, primarily targeting the Brazilian market.
Average Trading Volume: 5,765,909
Technical Sentiment Signal: Buy
Current Market Cap: $9.25B
Learn more about XP stock on TipRanks’ Stock Analysis page.