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Xp Incorporation (XP)
:XP
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XP (XP) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Feb 24, 2026
After Close (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
0.46
Last Year’s EPS
0.41
Same Quarter Last Year
Based on 4 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Nov 17, 2025|
% Change Since:
|
Earnings Call Sentiment|Neutral
The earnings call presented a mix of positive and negative elements. The company achieved significant growth in client assets, revenue, and net income, demonstrating strong performance despite challenging conditions. However, there were pressures on fixed income revenues and an overall decrease in total advisers. The company is investing heavily in technology and sales force expansion, which slightly impacted the EBT margin.
Company Guidance
During the third quarter of 2025, XP delivered impressive financial performance with several key metrics highlighted. The company reported a 16% year-over-year growth in client assets, AUM, and AUA, reaching BRL 1.9 trillion. Total gross revenues were BRL 4.9 billion, marking a 9% year-over-year growth, while the EBT increased by 10% to BRL 1.3 billion. Net income grew by 12% to BRL 1.330 billion, and the company achieved a 23% return on equity (ROE), maintaining a flat performance compared to the previous year. The capital ratio stood comfortably at 21.2%, with a 180 basis point increase from the previous quarter. Diluted earnings per share also showed a robust 13% year-over-year growth, driven by a share buyback program. Additionally, XP's retail strategy showed promise with BRL 20 billion in retail net new money, despite a BRL 5 billion drop from the previous year. The company remains focused on enhancing client experiences and expanding its product offerings, notably achieving a 25% growth in life insurance written premiums and a 15% increase in retirement plan assets year-over-year.
Significant Growth in Client Assets
Client assets, AUM, and AUA reached BRL 1.9 trillion, marking a 16% growth year-over-year.
Record-Breaking Revenue
Gross revenues reached BRL 4.9 billion, a 9% growth year-over-year, with Corporate & Issuer Services achieving a historic record of BRL 729 million, a 32% growth year-over-year.
Strong Bottom Line Growth
EBT increased by 10% year-over-year to BRL 1.3 billion, and net income grew by 12% year-over-year to BRL 1.330 billion, marking a new record.
ROE and EPS Growth
Achieved a ROE of 23% and a 13% growth in diluted EPS year-over-year, driven by a share buyback program.
Retail Cross-Sell Milestones
Credit card TPV grew 9% year-over-year, and life insurance written premium increased by 25% year-over-year.

XP (XP) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

XP Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Feb 24, 2026
2025 (Q4)
0.46 / -
0.413
Nov 17, 2025
2025 (Q3)
0.45 / 0.46
0.40313.30% (+0.05)
Aug 18, 2025
2025 (Q2)
0.43 / 0.46
0.37621.18% (+0.08)
May 20, 2025
2025 (Q1)
0.41 / 0.42
0.34223.78% (+0.08)
Feb 18, 2025
2024 (Q4)
0.41 / 0.41
0.3818.36% (+0.03)
Nov 19, 2024
2024 (Q3)
0.40 / 0.40
0.3913.17% (+0.01)
Aug 13, 2024
2024 (Q2)
0.36 / 0.38
0.3662.73% (<+0.01)
May 21, 2024
2024 (Q1)
0.37 / 0.34
0.28121.71% (+0.06)
Feb 27, 2024
2023 (Q4)
0.37 / 0.38
0.25748.06% (+0.12)
Nov 13, 2023
2023 (Q3)
0.37 / 0.39
0.34214.22% (+0.05)
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed

XP Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Nov 17, 2025
$18.10$18.45+1.93%
Aug 18, 2025
$17.50$16.00-8.57%
May 20, 2025
$18.56$18.65+0.48%
Feb 18, 2025
$15.02$14.83-1.26%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Xp Incorporation (XP) report earnings?
Xp Incorporation (XP) is schdueled to report earning on Feb 24, 2026, After Close (Confirmed).
    What is Xp Incorporation (XP) earnings time?
    Xp Incorporation (XP) earnings time is at Feb 24, 2026, After Close (Confirmed).
      Where can I see when companies are reporting earnings?
      You can see which companies are reporting today on our designated earnings calendar.
        What companies are reporting earnings today?
        You can see a list of the companies which are reporting today on TipRanks earnings calendar.
          What is XP EPS forecast?
          XP EPS forecast for the fiscal quarter 2025 (Q4) is 0.46.
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