XTB S.A. Income Statement

Financials in millions PLN. Fiscal year is January - December.

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	77.99	58.95	30.08	-	-
Total Interest Expense	94.59	1.09	1.18	0.98	0.44
Net Interest Income	-16.61	57.85	28.9	-0.98	-0.44
Brokerage Commission	20.29	12.29	11.73	7.02	5.03
Other Revenue	2,048	1,788	1,565	1,443	621.15
Revenue	2,051	1,858	1,606	1,449	625.75
Revenue Growth (YoY)	10.41%	15.72%	10.82%	131.54%	-21.66%
Salaries & Employee Benefits	413.02	311.57	259.14	192.03	131.26
Cost of Services Provided	835.72	529.32	397.41	334.37	199.13
Other Operating Expenses	39.54	10.68	8.4	24.94	9.49
Total Operating Expenses	1,314	871.48	682.14	563.34	348.8
Operating Income	737.79	986.61	923.55	885.51	276.95
Currency Exchange Gains	-	10.31	-34.33	11.74	-
Other Non-Operating Income (Expenses)	39.6	52.5	71.6	38.82	17.88
EBT Excluding Unusual Items	777.39	1,049	960.82	936.07	294.82
Legal Settlements	-	-0.77	-0.44	-0.63	-
Other Unusual Items	-	-	-	-	-3.81
Pretax Income	777.39	1,048	960.24	935.26	290.46
Income Tax Expense	133.19	191.6	169.07	169.16	52.63
Earnings From Continuing Ops.	644.2	856.86	791.17	766.1	237.83
Minority Interest in Earnings	-	0.17	-	-	-
Net Income	644.2	857.03	791.17	766.1	237.83
Net Income to Common	644.2	857.03	791.17	766.1	237.83
Net Income Growth	-24.83%	8.32%	3.27%	222.12%	-40.85%
Shares Outstanding (Basic)	118	118	118	117	117
Shares Outstanding (Diluted)	118	118	118	117	117
Shares Change (YoY)	-	-	0.16%	-	-
EPS (Basic)	5.48	7.29	6.73	6.53	2.03
EPS (Diluted)	5.48	7.29	6.73	6.53	2.03
EPS Growth	-24.83%	8.32%	3.11%	222.12%	-40.85%
Free Cash Flow	614.34	808.98	464.79	1,136	191.2
Free Cash Flow Per Share	5.22	6.88	3.95	9.68	1.63
Dividend Per Share	-	5.450	5.020	4.860	1.500
Dividend Growth	-	8.57%	3.29%	224.00%	-16.20%
Operating Margin	35.96%	53.10%	57.52%	61.12%	44.26%
Profit Margin	31.40%	46.12%	49.27%	52.88%	38.01%
Free Cash Flow Margin	29.95%	43.54%	28.95%	78.44%	30.56%
Effective Tax Rate	17.13%	18.27%	17.61%	18.09%	18.12%
Revenue as Reported	2,146	1,873	1,618	1,444	625.6

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Capital Markets template. Financial Sources.