XP Inc. (XP) Earnings History
Annual and quarterly earnings data from 2013 to 2024
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XP EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
XP Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 9.5% | -19.7% | 22.7% |
| 2023 | 10.9% | -26.1% | 26.3% |
| 2022 | 7.8% | -25.1% | 25.2% |
| 2021 | 15.9% | -14.8% | 27.7% |
| 2020 | 17.7% | -7.2% | 24.2% |
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XP Inc. (XP) Earnings Overview
As of May 8, 2026, XP Inc. (XP) reported trailing twelve-month net income of $5.05B, reflecting +14.9% year-over-year growth. The company earned $9.45 per diluted share over the past four quarters, with a net profit margin of 22.7%.
Looking at the long-term picture, XP's 5-year EPS compound annual growth rate (CAGR) stands at +31.3%, indicating exceptional earnings growth. The company achieved its highest annual net income of $4.51B in fiscal 2024, representing a new all-time high.
XP Inc. maintains industry-leading profitability with a gross margin of 9.5%, operating margin of -19.7%, and net margin of 22.7%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including MELI ($2.00B net income, 6.9% margin), NU ($2.53B net income, 17.8% margin), PAGS ($2.13B 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 (2013–2024)
12 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $4.51B | +15.8% | -$3.92B | $8.23 | 22.7% | -19.7% |
| 2023 | $3.90B | +8.9% | -$3.86B | $7.16 | 26.3% | -26.1% |
| 2022 | $3.58B | -0.3% | -$3.56B | $6.25 | 25.2% | -25.1% |
| 2021 | $3.59B | +72.9% | -$1.93B | $6.26 | 27.7% | -14.8% |
| 2020 | $2.08B | +92.2% | -$615M | $3.71 | 24.2% | -7.2% |
| 2019 | $1.08B | +134.2% | $75M | $2.11 | 20.9% | 1.5% |
| 2018 | $461M | +11.5% | -$180M | $0.84 | 14.6% | -5.7% |
| 2017 | $414M | +69.8% | $15M | $0.75 | 20.7% | 0.8% |
| 2016 | $244M | +221.6% | -$187M | $0.44 | 20.7% | -15.9% |
| 2015 | $76M | +221.4% | $185M | $0.31 | 11.5% | 28.0% |
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Start ComparisonXP — Frequently Asked Questions
Quick answers to the most common questions about buying XP stock.
Is XP growing earnings?
XP EPS stands at $9.45, with +14.9% growth matching the 5-year CAGR of +31.3%. TTM net income is $5.1B. Earnings trajectory remains consistent.
What are XP's profit margins?
XP Inc. net margin is +22.7%, with operating margin at -19.7%. Above-average margins indicate pricing power.
How consistent are XP's earnings?
XP earnings data spans 2013-2024. The current earnings trend is +14.9% YoY. Historical data enables comparison across business cycles.