NASDAQ$XP
XP Inc · Q3 2025 earnings
Q3 2025 earnings · · After market close · Investor relations
Briefing
XP Q3 2025: R$4.66B revenue, R$1.32B net income; diluted EPS R$2.47
XP Inc. filed unaudited interim condensed consolidated financial statements for the three and nine months ended September 30, 2025. Third-quarter total revenue and income reached R$4.66 billion, up from R$4.32 billion in Q3 2024, while net income attributable to parent shareholders was R$1.32 billion versus R$1.19 billion a year earlier. Basic EPS rose to R$2.51 and diluted EPS to R$2.47 from R$2.21 and R$2.18, respectively. Nine-month net income totaled R$3.87 billion. The Brazilian investment platform continued expanding financial assets under management, with total assets reaching R$399.5 billion at quarter end.
- Q3 total revenue and income of R$4.66B (+7.9% YoY); net income R$1.32B (+11.3% YoY).
- Diluted EPS R$2.47 vs R$2.18 in Q3 2024; basic EPS R$2.51.
- Nine-month net income R$3.87B; total assets R$399.5B at September 30, 2025.
- Total revenue and income for nine months reached R$13.46B vs R$12.59B prior year.
- PwC review concluded interim statements prepared in accordance with IAS 34.
Headline financials
Revenue & EPS history
XP · Revenue · Quarterly
R$4.66B
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 19 quarterly earnings reports · overlaid with Q3 2025
-1.4%
Avg return
Earnings day
-1.0%
Avg return
5 days after
+0.2%
Avg return
30 days after
48%
13 / 27 earnings
Positive
+10.1%
Q1 2020
Best reaction
-20.3%
Q4 2022
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -3.6% | -2.9% | -11.6% | |
| Q4 2025 | +0.5% | +2.0% | -7.9% | |
| Q3 2025 | +1.9% | -4.0% | -12.3% | |
| Q2 2025 | -8.7% | -5.9% | +14.9% | |
| Q1 2025 | +1.1% | +1.2% | +2.3% | |
| Q4 2024 | -1.3% | -3.1% | +0.7% | |
| Q3 2024 | -7.1% | -5.8% | -28.2% | |
| Q2 2024 | +8.6% | +10.6% | +3.1% | |
| Q1 2024 | -16.7% | -13.5% | -16.7% | |
| Q4 2023 | -1.6% | -0.8% | +6.4% | |
| Q3 2023 | +0.0% | +4.9% | +5.6% | |
| Q2 2023 | -2.3% | -1.7% | +2.1% | |
| Q1 2023 | +3.8% | +12.3% | +37.5% | |
| Q4 2022 | -20.3% | -17.8% | -26.4% | |
| Q3 2022 | +6.7% | +4.1% | -13.9% | |
| Q2 2022 | -16.7% | -20.2% | -21.4% | |
| Q1 2022 | -9.6% | -16.6% | -3.8% | |
| Q4 2021 | +7.1% | +5.1% | -3.1% | |
| Q3 2021 | -1.5% | +3.8% | -11.7% | |
| Q2 2021 | +9.3% | +15.2% | +22.7% | |
| Q1 2021 | +9.3% | +14.5% | +1.0% | |
| Q4 2020 | +3.6% | -4.2% | -18.2% | |
| Q3 2020 | -6.7% | -8.5% | -10.0% | |
| Q2 2020 | -3.0% | -8.0% | -5.3% | |
| Q1 2020 | +10.1% | +4.6% | +53.9% | |
| Q4 2019 | -5.1% | -3.2% | +37.3% | |
| Q3 2019 | +3.3% | +10.0% | +8.5% | |
| Q2 2019 | — | — | — | |
| Q1 2019 | — | — | — | |
| Q4 2018 | — | — | — |
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