XP Inc. (BVMF:XPBR31)
Brazil · Delayed Price · Currency is BRL 96.43
+2.65 (2.83%)
At close: Nov 21, 2025
XP Inc. Income Statement
Financials in millions BRL. Fiscal year is January - December.
Millions BRL. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 |
Total Interest Expense | 691.04 | 779.53 | 617.48 | 402.3 | 135.73 | 52.67 | Upgrade |
Net Interest Income | -691.04 | -779.53 | -617.48 | -402.3 | -135.73 | -52.67 | Upgrade |
Brokerage Commission | 3,172 | 3,130 | 2,782 | 2,667 | 2,658 | 2,231 | Upgrade |
Asset Management Fee | 1,784 | 1,743 | 1,628 | 1,581 | 1,490 | 1,224 | Upgrade |
Gain on Sale of Investments (Rev) | 2,154 | 2,285 | 1,979 | 1,631 | 1,917 | 1,430 | Upgrade |
Other Revenue | 10,790 | 9,873 | 8,471 | 7,468 | 6,012 | 3,267 | Upgrade |
| 17,210 | 16,251 | 14,243 | 12,945 | 11,941 | 8,099 | Upgrade | |
Revenue Growth (YoY) | 8.33% | 14.10% | 10.02% | 8.40% | 47.44% | 60.59% | Upgrade |
Cost of Services Provided | 11,697 | 11,122 | 9,964 | 9,580 | 8,297 | 5,750 | Upgrade |
Other Operating Expenses | -103.36 | -145.59 | -23.48 | -214.92 | -278.8 | -224.4 | Upgrade |
Total Operating Expenses | 12,022 | 11,265 | 10,301 | 9,459 | 8,110 | 5,581 | Upgrade |
Operating Income | 5,188 | 4,987 | 3,941 | 3,486 | 3,831 | 2,518 | Upgrade |
EBT Excluding Unusual Items | 5,251 | 5,034 | 4,015 | 3,474 | 3,823 | 2,519 | Upgrade |
Asset Writedown | 4.74 | -29.45 | -32.27 | -20.81 | -20.37 | -73.14 | Upgrade |
Legal Settlements | -43.16 | -18.55 | -46.1 | -8.56 | -3.67 | -45.28 | Upgrade |
Pretax Income | 5,213 | 4,986 | 3,936 | 3,445 | 3,815 | 2,421 | Upgrade |
Income Tax Expense | 144.27 | 471.13 | 36.96 | -135.56 | 222.71 | 339.92 | Upgrade |
Earnings From Continuing Ops. | 5,068 | 4,515 | 3,899 | 3,580 | 3,592 | 2,081 | Upgrade |
Minority Interest in Earnings | -14.05 | -1.43 | -0.69 | -1.16 | -3.04 | -5.06 | Upgrade |
Net Income | 5,054 | 4,513 | 3,899 | 3,579 | 3,589 | 2,076 | Upgrade |
Net Income to Common | 5,054 | 4,513 | 3,899 | 3,579 | 3,589 | 2,076 | Upgrade |
Net Income Growth | 15.52% | 15.77% | 8.93% | -0.29% | 72.87% | 92.18% | Upgrade |
Shares Outstanding (Basic) | 532 | 542 | 540 | 555 | 559 | 552 | Upgrade |
Shares Outstanding (Diluted) | 538 | 548 | 544 | 573 | 573 | 559 | Upgrade |
Shares Change (YoY) | -2.54% | 0.76% | -5.03% | -0.09% | 2.57% | 9.26% | Upgrade |
EPS (Basic) | 9.50 | 8.33 | 7.22 | 6.44 | 6.42 | 3.76 | Upgrade |
EPS (Diluted) | 9.40 | 8.23 | 7.16 | 6.25 | 6.26 | 3.71 | Upgrade |
EPS Growth | 18.53% | 14.90% | 14.69% | -0.20% | 68.53% | 75.88% | Upgrade |
Free Cash Flow | 18,070 | 11,034 | 8,061 | 1,759 | -4,156 | 1,366 | Upgrade |
Free Cash Flow Per Share | 33.60 | 20.12 | 14.81 | 3.07 | -7.25 | 2.44 | Upgrade |
Dividend Per Share | - | - | 6.357 | - | - | - | Upgrade |
Operating Margin | 30.14% | 30.69% | 27.67% | 26.93% | 32.08% | 31.09% | Upgrade |
Profit Margin | 29.37% | 27.77% | 27.37% | 27.65% | 30.06% | 25.64% | Upgrade |
Free Cash Flow Margin | 105.00% | 67.90% | 56.60% | 13.59% | -34.80% | 16.86% | Upgrade |
Effective Tax Rate | 2.77% | 9.45% | 0.94% | - | 5.84% | 14.04% | Upgrade |
Revenue as Reported | 17,901 | 17,031 | 14,860 | 13,347 | 12,077 | 8,152 | Upgrade |
Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Capital Markets template. Financial Sources.