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XP (XP)
NASDAQ:XP
Earnings Data
Report Date
Aug 19, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.42Last Year’s EPS
2.03Same Quarter Last Year
Moderate Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Date:May 20, 2025
|% Change Since: 7.27%
|Next Earnings Date:Aug 19, 2025
Earnings Call Sentiment|Neutral
The earnings call reflected a strong performance in net income and ROE, along with growth in client assets and retail credit. However, challenges remain with lower-than-expected revenue growth and difficulties in the equity and issuer services segments.Company Guidance
During the First Quarter 2025 Earnings Call, the company reported significant financial metrics, demonstrating robust growth and strategic execution. Client Assets, including AUM and AUA, reached BRL1.8 trillion, marking a 13% year-over-year growth. The active client base expanded to 4.7 million, a 2% increase from the previous year. Gross revenues for the quarter were BRL4.6 billion, showing a 7% growth year-over-year, while ABG grew by 16% year-over-year to BRL1.3 billion. The company achieved a record-high quarterly net income of BRL1.236 million, a 20% increase year-over-year. ROE was reported at 24.1%, expanding by 340 basis points compared to the first quarter of 2024. The capital ratio was comfortably positioned at 19%, with a 130 basis point increase quarter-over-quarter. Additionally, diluted EPS grew by 24% year-over-year, outpacing net income growth, attributed to the execution of a share buyback program. The company also recorded BRL24 billion in net new money, a 79% year-over-year increase, and maintained a retail net new money target of around BRL20 billion per quarter, achieving a 54% growth year-over-year.Record Net Income
Achieved the all-time high quarterly net income in the company's history, posting BRL1.236 million, representing a 20% year-over-year growth.
Strong ROE Performance
Achieved a 24.1% ROE during the quarter, with a 340 bps expansion versus the first quarter of ‘24.
Growth in Client Assets
Client Assets plus AUM and AUA achieved BRL1.8 trillion, posting a 13% growth year-over-year.
Retail Credit Growth
Retail credit NII posted 48% growth year-over-year, marking BRL82 million in revenues in the quarter.
Improved Efficiency Ratio
Achieved the lowest efficiency ratio in the company's history at 34.1%, lower by 204 basis points year-over-year.
Successful Share Buyback Program
Ended the previous share buyback program and announced a new one of BRL1 billion, part of the capital distribution plan.
XP Earnings History
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 |
|---|---|---|---|
May 20, 2025 | $18.56 | $18.65 | +0.48% |
Feb 18, 2025 | $15.02 | $14.83 | -1.26% |
Nov 19, 2024 | $15.87 | $14.91 | -6.05% |
Aug 13, 2024 | $17.55 | $18.63 | +6.15% |
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 (XP) report earnings?
XP (XP) is schdueled to report earning on Aug 19, 2025, TBA Not Confirmed.
What is XP (XP) earnings time?
XP (XP) earnings time is at Aug 19, 2025, TBA Not 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 (Q2) is 0.42.