Symbols

XP

XP·NASDAQ

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XP fundamentals

XP Q4 2025 Earnings

XP (XP) released its earnings on Feb 12, 2026: revenue was 901.58M (YoY +24.57%), beat estimates; EPS was 0.4662 (YoY +29.61%), beat estimates.

Revenue / YoY

901.58M

+24.57%

EPS / YoY

0.4662

+29.61%

Report date

Feb 12, 2026

XP Earnings Call Summary for Q4,2025

Revenue Growth: 8% YoY to BRL 19.5 billion; net income up 15% to BRL 5.2 billion.
Strategic Shift: 23% of retail AUC under fee-based models; 21% YoY growth in cross-sell products.
Wholesale Bank Dominance: 50% market share in equities, futures, and ETFs; 19% YoY growth in corporate services.
2026 Outlook: 17%+ revenue growth target; 85%+ retention of Banco Master depositors.
Financial Discipline: 23.9% ROE, 20.4% BIS ratio, and BRL 2.4 billion returned to shareholders in 2025.

Earnings

EPS

Revenue

Revenue & Expenses

XP has released its 2025 Q4 earnings report, with revenue of 901.58M, reflecting a YoY change of 25.57%, and net profit of 234.02M, showing a YoY change of 22.56%. The Sankey diagram below clearly presents XP's revenue sources and cost distribution.

Key Indicators

XP (XP) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

XP (XP)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Breakdown

Balance Sheet

XP (XP)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

XP (XP)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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Breakdown