XP Inc.
XP Inc is a Financial Services company operating in Capital Markets with a $7.91B market cap.
Most recent earnings call: Q1 FY26 on May 18, 2026.
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Disclosures
Transcripts
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
History
Reported quarters with consensus, surprise, and 1-day reaction context.
Spoken Alpha tracks XP's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Misses consensus 10/10 quarters
SamplePeers
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for XP.
$ curl https://api.spokenalpha.com/v1/companies/XPFAQ
Spoken Alpha indexes XP's earnings call transcripts at https://spokenalpha.com/companies/XP. Each call links to attributed speakers and parsed analyst Q&A.
XP Inc. (XP) held its most recent earnings call on 2026-05-18, covering fiscal Q1 2026.
XP Inc. (XP) operates in the Financial Services sector (Capital Markets industry).
Repeated misses without a guidance reset suggest management is structurally optimistic relative to operating reality. Track whether next-quarter guidance is being benchmarked off the prior miss or the prior plan.
Missed in 4 of the last 4 quarters
SampleRecent misses matter more than long-window beat rate — the trailing 12 months drives the analyst model and the next-print bar.
| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $2.63 | $2.87 | -8.2% | +1.7% | -1.0% |
| Q4 FY2026 | $2.58 | $2.78 | -7.1% | +0.3% | +1.6% |
| Q3 FY2026 | $2.49 | $3.03 | -17.8% | -2.4% | -0.5% |
| Q2 FY2026 | $2.58 | $2.90 | -10.9% | -1.5% | -2.3% |
| Q1 FY2025 | $2.83 | $3.02 | -6.2% | +2.5% | +0.2% |
| Q4 FY2025 |
| $2.55 |
| $3.08 |
| -17.2% |
| -1.3% |
| +0.6% |
| Q3 FY2025 | $2.61 | $2.93 | -11.0% | +5.6% | +5.3% |
| Q2 FY2025 | $2.83 | $3.08 | -8.2% | +7.6% | +6.4% |
| Q1 FY2024 | $2.69 | $3.19 | -15.6% | +6.4% | +4.4% |
| Q4 FY2024 | $2.88 | $3.03 | -5.1% | +5.7% | +4.7% |