Earnings Performance: XP Inc.A reported quarterly earnings of $0.43 per share, matching estimates and showing an increase from $0.39 per share a year ago, while revenues of $786.31 million fell short of expectations by 5.8%.
Stock Outlook: The company's stock has risen approximately 48.2% since the start of the year, significantly outperforming the S&P 500's 9.7% gain, with a current Zacks Rank of #1 (Strong Buy) indicating positive future performance.
Future Earnings Estimates: Current consensus estimates predict EPS of $0.45 and revenues of $870.3 million for the next quarter, with a fiscal year estimate of $1.72 EPS on $3.4 billion in revenues.
Industry Context: XP Inc.A operates within the Financial - Miscellaneous Services sector, which ranks in the top 18% of Zacks industries, suggesting that industry trends could impact the stock's performance moving forward.
Wall Street analysts forecast XP stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for XP is 23.50 USD with a low forecast of 22.00 USD and a high forecast of 26.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
4 Analyst Rating
Wall Street analysts forecast XP stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for XP is 23.50 USD with a low forecast of 22.00 USD and a high forecast of 26.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Buy
1 Hold
0 Sell
Strong Buy
Current: 17.410
Low
22.00
Averages
23.50
High
26.00
Current: 17.410
Low
22.00
Averages
23.50
High
26.00
UBS
Thiago Batista
Buy
maintain
$23 -> $25
Al Analysis
2025-12-16
Reason
UBS
Thiago Batista
Price Target
$23 -> $25
Al Analysis
2025-12-16
maintain
Buy
Reason
UBS analyst Thiago Batista raised the firm's price target on XP Inc. to $25 from $23 and keeps a Buy rating on the shares.
UBS
Thiago Batista
Buy
downgrade
$24 -> $23
2025-10-16
Reason
UBS
Thiago Batista
Price Target
$24 -> $23
2025-10-16
downgrade
Buy
Reason
UBS analyst Thiago Batista lowered the firm's price target on XP Inc. to $23 from $24 and keeps a Buy rating on the shares.
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BofA
Neutral
maintain
$19 -> $22
2025-09-25
Reason
BofA
Price Target
$19 -> $22
2025-09-25
maintain
Neutral
Reason
BofA raised the firm's price target on XP Inc. to $22 from $19 and keeps a Neutral rating on the shares. The firm reduced revenue growth estimates for XP, while noting that its earnings forecasts remain relatively unchanged. The firm's increased target reflects rolling its valuation basis over to year-end 2026 from 2025, the analyst noted.
Itau BBA
Outperform -> Market Perform
downgrade
$21
2025-06-22
Reason
Itau BBA
Price Target
$21
2025-06-22
downgrade
Outperform -> Market Perform
Reason
Itau BBA downgraded XP Inc. to Market Perform from Outperform with a $21 price target.
About XP
XP Inc. is a Cayman Islands-based holding company. The Company owns technological platforms for investments, financial services and education, in addition to media and content platforms, including brands, such as XP, Rico, Clear, Infomoney, XPeed and IM+. It distributes a range of financial products and services, such as financial education and digital content platform, financial advisory services and open financial product platform. Xpeed is a financial education platform in Brazil, which offers courses, MBAs and learning tools, as well as a range of digital content. It advises and supports its customers in a range of activities related to the financial universe, such as advisory services for institutional clients, private banking for high income clients, international financial services, structuring and issuance of financial products for corporate clients and issuers. It offers an open financial product platform to its clients, encompassing both proprietary and partnership products.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
