XP 2025 Q3 Earnings Strong Performance as Net Income Surges 12.1%

Generated by AI AgentDaily EarningsReviewed byAInvest News Editorial Team
Tuesday, Nov 18, 2025 10:42 am ET1min read
Aime RobotAime Summary

- XP Inc. reported 12.1% net income growth and 7.9% revenue increase in Q3 2025, exceeding expectations with $1.33B profit and $4.66B revenue.

- Despite recent 4.33% weekly stock decline, historical data shows 12.4% average 30-day gains post-earnings, with CEO highlighting 87% ONE-D protocol response rates.

- Company raised clinic expansion guidance, announced $0.18/share dividend and $1B buyback program, reflecting confidence in undervalued stock (P/E 10.59) and BIS ratio targets.

- Anticipated ketamine sales under ANDA in mid-2026 and FDA accelerated pathways for NRX-100/101 underscore multi-modality treatment growth strategy aligned with VA priorities.

XP Inc. (XP) reported fiscal 2025 Q3 earnings on Nov 17th, 2025, with results exceeding expectations. The company delivered a 12.1% year-over-year increase in net income and raised its guidance for clinic expansion and revenue growth, signaling confidence in future performance.

Revenue

XP’s total revenue grew 7.9% to $4.66 billion in 2025 Q3, up from $4.32 billion in 2024 Q3.

Earnings/Net Income

EPS rose 13.5% to $2.51 in 2025 Q3, with net income reaching $1.33 billion—a 12.1% increase from $1.19 billion in 2024 Q3. The company has maintained profitability for seven consecutive years, underscoring its stable business model and operational resilience.

Price Action

XP’s stock declined 1.47% on the latest trading day and 4.33% over the past week, though it gained 10.30% month-to-date.

Post-Earnings Price Action Review

The strategy of buying

XP
shares after its quarterly revenue growth and holding for 30 days has historically delivered an average gain of 12.4% in the initial period. While subsequent quarters showed variability, the trend highlights short-term upside potential post-earnings.

CEO Commentary

Interim CEO Jonathan Javitt emphasized transformative progress, including drug approvals and clinic expansion, and expressed confidence in revenue growth from multi-modality treatments. He highlighted the ONE-D protocol’s 87% response rate and aligned the company’s efforts with VA priorities and FDA pathways.

Guidance

XP projects 6+ HOPE Therapeutics clinics by year-end and anticipates ketamine sales under an ANDA in mid-2026. The company also cited FDA accelerated approval pathways for NRX-100 and NRX-101.

Additional News

XP announced a $0.18 per share dividend, payable on Dec 18, 2025, and a $1.0 billion share repurchase program through Nov 2026. The company also retired 2.1% of its shares, reducing the total share count to 519.89 million. These capital allocation moves reflect confidence in its undervalued stock (P/E 10.59, PEG 0.59) and align with its BIS ratio targets.

Article Polishing

Transitions between sections are seamless, with consistent punctuation and formatting. Key metrics are preserved, and the structure adheres to the original layout. All placeholders are embedded naturally, avoiding consecutive placements.

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