XP
XP·NASDAQ
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XP fundamentals
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.
EPS
Actual | 0.1389 | 0.1789 | 0.1739 | 0.207 | 0.2327 | 0.3322 | 0.3064 | 0.3134 | 0.3214 | 0.3097 | 0.3411 | 0.2619 | 0.2995 | 0.4117 | 0.4188 | 0.4234 | 0.3682 | 0.3619 | 0.3992 | 0.3597 | 0.4008 | 0.4524 | 0.4636 | 0.4662 |
Forecast | 0.1093 | 0.1246 | 0.162 | 0.2033 | 0.1886 | 0.2533 | 0.2744 | 0.2715 | 0.3386 | 0.3045 | 0.2918 | 0.3316 | 0.2726 | 0.3803 | 0.3993 | 0.4073 | 0.401 | 0.3487 | 0.4002 | 0.3556 | 0.383 | 0.4298 | 0.457 | 0.4596 |
Surprise | +27.08% | +43.58% | +7.35% | +1.82% | +23.38% | +31.15% | +11.66% | +15.43% | -5.08% | +1.71% | +16.90% | -21.02% | +9.87% | +8.26% | +4.88% | +3.95% | -8.18% | +3.79% | -0.25% | +1.15% | +4.65% | +5.26% | +1.44% | +1.44% |
Revenue
Actual | 334.52M | 349.85M | 372.71M | 461.09M | 465.71M | 601.45M | 581.24M | 583.87M | 657.28M | 651.17M | 667.53M | 598.55M | 617.71M | 739.26M | 818.96M | 832.26M | 806.55M | 752.25M | 790.81M | 723.75M | 760.38M | 819.27M | 874.87M | 901.58M |
Forecast | 302.03M | 292.50M | 349.70M | 463.56M | 452.63M | 563.26M | 588.63M | 578.45M | 714.41M | 654.03M | 630.13M | 676.99M | 606.12M | 739.26M | 761.76M | 841.71M | 809.26M | 736.48M | 801.96M | 719.34M | 779.16M | 832.08M | 875.60M | 866.10M |
Surprise | +10.76% | +19.61% | +6.58% | -0.53% | +2.89% | +6.78% | -1.25% | +0.94% | -8.00% | -0.44% | +5.94% | -11.59% | +1.91% | +0.00% | +7.51% | -1.12% | -0.34% | +2.14% | -1.39% | +0.61% | -2.41% | -1.54% | -0.08% | +4.10% |
Earnings Call
You can ask Aime
What guidance did XP's management provide for the next earnings period?What is the revenue and EPS growth rate for XP year over year?What factors drove the changes in XP's revenue and profit?What were the key takeaways from XP’s earnings call?What were the key takeaways from XP's earnings call?What does XP do and what are its main business segments?Did XP beat or miss consensus estimates last quarter?What is XP's gross profit margin?
