Symbols

XP

XP·NASDAQ

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XP fundamentals

XP Q3 2025 Earnings

XP (XP) released its earnings on Nov 17, 2025: revenue was 874.93M (YoY +10.43%), missed estimates; EPS was 0.470931 (YoY +16.12%), beat estimates.

Revenue / YoY

874.93M

+10.43%

EPS / YoY

0.470931

+16.12%

Report date

Nov 17, 2025

XP Earnings Call Summary for Q3,2025

Record Financials: Net income up 12% YoY to BRL 1.33 billion, driven by 32% YoY growth in corporate services.
Client Growth: AUM at BRL 1.9 trillion (16% YoY), with 20% YoY growth in high-income clients.
Capital Return: BRL 2.4 billion returned to shareholders, including BRL 1 billion buyback.
Strategic Expansion: AI-driven wealth planning and fee-based model targeting 21% of AUC.
Risk Management: CET1 ratio 18.5%, VaR BRL 29 million, maintaining 21.2% capital buffer.

Earnings

EPS

Revenue

Revenue & Expenses

XP has released its 2025 Q3 earnings report, with revenue of 874.93M, reflecting a YoY change of 10.43%, and net profit of 249.70M, showing a YoY change of 14.70%. 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