XP Stock - XP Inc.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $19.87B | $14.82B | $14.18B | $12.97B | $8.60B |
| Gross Profit | $1.89B | $1.62B | $1.10B | $2.06B | $1.52B |
| Gross Margin | 9.5% | 10.9% | 7.8% | 15.9% | 17.7% |
| Operating Income | $-3,915,779,000 | $-3,864,996,000 | $-3,563,246,000 | $-1,925,258,000 | $-615,314,000 |
| Net Income | $4.51B | $3.90B | $3.58B | $3.59B | $2.08B |
| Net Margin | 22.7% | 26.3% | 25.2% | 27.7% | 24.2% |
| EPS | $8.23 | $7.16 | $6.44 | $6.42 | $3.76 |
XP Inc. provides financial products and services in Brazil. It offers securities brokerage, private pension plans, commercial, and investment banking products, such as loan operations and transactions in the foreign exchange markets and deposits; product structuring and capital markets services for corporate clients and issuers of fixed income products; advisory services for mass-affluent and institutional clients; and wealth management services for high-net-worth customers and institutional clients. The company also offers Xpeed, an online financial education portal that offers seminars, classes, and learning tools to help teach individuals on topics, such as basics of investing, techniques, and investment strategies, as well as insurance brokerage services. In addition, it operates XP Platform, an open product platform that provides clients to access investment products in the market, including equity and fixed income securities, mutual and hedge funds, private equity, structured products, credit cards, loan operations, life insurance, pension plans, real-estate investment funds, and others. The company was founded in 2001 and is based in São Paulo, Brazil.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| September 24th 2025 | Citigroup | Reiterated | Buy | $23← $22 |
| June 23rd 2025 | Itau BBA | Downgrade | Market Perform | $21 |
| June 4th 2025 | Goldman | Upgrade | Buy | $23 |
| May 13th 2025 | Morgan Stanley | Upgrade | Overweight | $24 |
| March 18th 2025 | Itau BBA | Initiation | Outperform | $20 |
| January 24th 2025 | UBS | Upgrade | Buy | $16← $19 |
| December 10th 2024 | BofA Securities | Downgrade | Neutral | $16← $25 |
| July 11th 2024 | UBS | Downgrade | Neutral | $21← $30 |
| April 30th 2024 | Goldman | Downgrade | Neutral | $23← $30 |
| April 23rd 2024 | Morgan Stanley | Downgrade | Equal Weight | $24← $31 |
| December 5th 2023 | JP Morgan | Upgrade | Overweight | $30← $27 |
| July 20th 2023 | Credit Suisse | Upgrade | Neutral | $26← $15 |
| June 22nd 2023 | BofA Securities | Upgrade | Buy | - |
| February 17th 2023 | Credit Suisse | Downgrade | Underperform | $15← $27 |
| August 11th 2022 | JP Morgan | Downgrade | Neutral | $23 |
Earnings History & Surprises
XPEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q1 2026 | Feb 17, 2026 | $0.44 | — | — | — |
Q4 2025 | Nov 17, 2025 | $0.46 | $0.45 | -1.5% | ✗ MISS |
Q3 2025 | Aug 18, 2025 | $0.43 | $0.43 | +0.0% | ✓ BEAT |
Q2 2025 | May 20, 2025 | $0.40 | $0.39 | -2.5% | ✗ MISS |
Q2 2025 | Apr 24, 2025 | — | $0.35 | — | — |
Q4 2024 | Nov 19, 2024 | $0.38 | $0.39 | +2.6% | ✓ BEAT |
Q3 2024 | Aug 13, 2024 | $1.98 | $0.39 | -80.3% | ✗ MISS |
Q2 2024 | May 21, 2024 | $0.40 | $0.37 | -7.7% | ✗ MISS |
Q2 2024 | Apr 26, 2024 | — | $0.38 | — | — |
Q4 2023 | Nov 13, 2023 | $0.44 | $0.43 | -2.3% | ✗ MISS |
Q3 2023 | Aug 14, 2023 | $0.43 | $0.40 | -7.0% | ✗ MISS |
Q2 2023 | May 15, 2023 | $0.36 | $0.29 | -19.4% | ✗ MISS |
Q2 2023 | Apr 26, 2023 | — | $0.26 | — | — |
Q4 2022 | Nov 8, 2022 | $0.35 | $0.39 | +11.4% | ✓ BEAT |
Q3 2022 | Aug 9, 2022 | $0.38 | $0.37 | -2.6% | ✗ MISS |
Q2 2022 | May 3, 2022 | $0.31 | $0.28 | -9.7% | ✗ MISS |
Q2 2022 | Apr 13, 2022 | — | $0.32 | — | — |
Q4 2021 | Nov 3, 2021 | $0.31 | $0.34 | +9.7% | ✓ BEAT |
Q3 2021 | Aug 3, 2021 | $0.25 | $0.34 | +36.0% | ✓ BEAT |
Q2 2021 | Jun 21, 2021 | — | $0.22 | — | — |
Latest News
XP Announces New R$1B Buyback Plan
📈 PositiveXP Q3 EPS $0.45 Beats $0.41 Estimate, Sales $855.489M Miss $857.320M Estimate
📈 PositiveUBS Maintains Buy on XP, Lowers Price Target to $23
➖ NeutralXP shares are trading lower after the company reported a Q2 sales miss.
📉 NegativeXP Q2 EPS $0.43 Beats $0.39 Estimate, Sales $786.316M Miss $834.730M Estimate
➖ NeutralFrequently Asked Questions about XP
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