XP Inc. (XP) Earnings History
Elite Compounder13 years of earnings data (2013–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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XP Inc. (XP) Earnings Overview
As of June 28, 2026, XP Inc. (XP) reported trailing twelve-month net income of $5.17B, reflecting +18.1% year-over-year growth. The company earned $9.84 per diluted share over the past four quarters, with a net profit margin of 27.8%.
Looking at the long-term picture, XP's 5-year EPS compound annual growth rate (CAGR) stands at +21.2%, indicating exceptional earnings growth. The company achieved its highest annual net income of $5.18B in fiscal 2024.
XP Inc. maintains industry-leading profitability with a gross margin of 67.4%, operating margin of 32.4%, and net margin of 27.8%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including MELI ($1.92B net income, 6.9% margin), NU ($3.18B net income, 18.1% margin), PAGS ($2.14B net income, 10.7% margin), XP has outperformed on profitability metrics. Compare XP vs MELI →
XP Earnings vs Peers
Earnings metrics vs comparable public companies
XP Historical Earnings Data (2013–2025)
13 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $5.07B | -2.1% | $5.91B | $9.72 | 27.8% | 32.4% |
| 2024 | $5.18B | +35.0% | $6.60B | $8.23 | 26.1% | 33.2% |
| 2023 | $3.84B | +3.5% | $4.55B | $7.16 | 25.9% | 30.7% |
| 2022 | $3.71B | -0.6% | $4.05B | $6.25 | 26.1% | 28.6% |
| 2021 | $3.73B | +78.2% | $4.15B | $6.26 | 28.8% | 32.0% |
| 2020 | $2.09B | +99.7% | $2.59B | $3.71 | 24.3% | 30.1% |
| 2019 | $1.05B | +114.1% | $1.61B | $2.11 | 20.3% | 31.1% |
| 2018 | $489M | +14.2% | $807M | $0.84 | 15.5% | 25.5% |
| 2017 | $429M | +142.8% | $685M | $0.75 | 21.5% | 34.3% |
| 2016 | $177M | +133.0% | $354M | $0.44 | 15.0% | 30.1% |
| 2015 | $76M | +221.4% | $185M | $0.31 | 11.5% | 28.0% |
| 2014 | $24M | -26.0% | $68M | $0.10 | 5.6% | 16.2% |
| 2013 | $32M | - | $32M | $0.13 | 100.0% | 100.0% |
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XP — Frequently Asked Questions
Quick answers to the most common questions about buying XP stock.
What is XP earnings per share (EPS)?
XP trailing twelve-month (TTM) diluted EPS is $9.84, reflecting +18.1% year-over-year growth. The 5-year EPS CAGR is +21.2%. Complete EPS history from 2013 to 2025 is available in the table on this page.
What is XP Inc.'s net income?
XP Inc. (XP) trailing twelve-month net income is $5.2B as of 2025. Earnings grew +18.1% year-over-year. XP Inc. has been profitable for 13 consecutive years.
Is XP profitable?
Yes, XP is profitable with a TTM net income of $5.2B and a net profit margin of +27.8%. XP Inc. has generated profits for 13 consecutive years.
What is XP's earnings growth rate?
XP compound annual EPS growth rates (CAGR): 1-Year: +18.1%, 3-Year: +15.9%, 5-Year: +21.2%, 10-Year: +41.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2013 to 2025.
What are XP's profit margins?
XP Inc. net profit margin is +27.8%, operating margin is +32.4%, and gross margin is +67.4%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +23.3%.
Is XP growing earnings?
Yes, XP earnings are accelerating — EPS growth of +18.1% exceeds the 5-year CAGR of +21.2%. TTM net income reached $5.2B. Earnings momentum is strengthening.
What was XP's best earnings year?
XP Inc.'s highest annual net income on record is $5.2B, achieved in fiscal year 2024. Earnings history on this page spans 2013 to 2025 and includes all annual and quarterly figures.
What were XP's earnings last quarter?
XP's most recent reported quarter was Q1 2026. Net income was $1.3B with diluted EPS of $2.42. For a full breakdown of all quarters, see the quarterly earnings table on this page.