XP Inc. (XP)
NASDAQ: XP · Real-Time Price · USD
16.81
+0.82 (5.13%)
Aug 21, 2026, 4:00 PM EDT - Market closed
XP Inc. Financials Overview
Financials in millions BRL. Fiscal year is January - December.
Millions BRL. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | 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 |
Revenue Revenue Growth | 18,631 | 17,773 | 16,251 | 14,243 | 12,945 | 11,941 |
Revenue Growth | 10.82% | 9.37% | 14.10% | 10.02% | 8.40% | 47.44% |
Operating Income Operating Income Growth | 5,673 | 5,425 | 4,987 | 3,941 | 3,486 | 3,831 |
Net Income Net Income Growth | 5,317 | 5,170 | 4,513 | 3,899 | 3,579 | 3,589 |
Earnings Per Share EPS Growth | 10.14 | 9.72 | 8.23 | 7.16 | 6.25 | 6.26 |
EPS Growth | 11.29% | 18.07% | 14.90% | 14.69% | -0.20% | 68.53% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | 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 |
Brazil Brazil Growth | 18,261 | 17,604 | 16,288 | 14,261 | 12,856 | 11,724 |
Other Countries Other Countries Growth | 861.07 | 794.42 | 742.73 | 598.79 | - | - |
Total Total Growth | 19,122 | 18,399 | 17,031 | 14,860 | 13,347 | 12,077 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | 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 |
Cash & Investments Cash & Investments Growth | 287,426 | 266,711 | 223,191 | 145,082 | 106,170 | 80,148 |
Total Debt Total Debt Growth | 159,541 | 148,633 | 159,211 | 106,444 | 75,709 | 57,460 |
Net Cash (Debt) Net Cash Growth | 127,884 | 118,079 | 63,980 | 38,638 | 30,460 | 22,687 |
Net Cash Growth | 73.01% | 84.56% | 65.59% | 26.85% | 34.26% | 15.86% |
Net Cash Per Share Net Cash Per Share Growth | 243.82 | 221.98 | 116.68 | 71.00 | 53.16 | 39.56 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | 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 |
Operating Cash Flow Operating Cash Flow Growth | 13,448 | 12,045 | 11,179 | 8,127 | 1,804 | -4,020 |
Capital Expenditures CapEx Growth | -234.75 | -209.29 | -144.81 | -66 | -44.56 | -135.44 |
Free Cash Flow Free Cash Flow Growth | 13,214 | 11,836 | 11,034 | 8,061 | 1,759 | -4,156 |
Free Cash Flow Growth | 26.00% | 7.26% | 36.88% | 358.21% | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | 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 |
Operating Margin | 30.45% | 30.52% | 30.69% | 27.67% | 26.93% | 32.08% |
Pretax Margin | 30.74% | 30.66% | 30.68% | 27.64% | 26.61% | 31.95% |
Profit Margin | 28.54% | 29.09% | 27.77% | 27.37% | 27.65% | 30.06% |
FCF Margin | 70.92% | 66.59% | 67.90% | 56.60% | 13.59% | -34.80% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Period Ending | Aug '26 Aug 23, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 |
Dividend Per Share Dividend Per Share Growth | 0.039 | 0.991 | 4.020 | 6.357 |
Dividend Per Share Growth | 0% | -75.34% | -36.75% | - |
Dividend Yield | 0.23% | 1.11% | 5.61% | 5.40% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 23, 2026 | 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 |
PE Ratio | 8.59 | 9.21 | 8.72 | 17.78 | 12.70 | 24.96 |
Forward PE | 7.39 | 8.92 | 7.94 | 15.15 | 10.76 | 24.13 |
P/FCF Ratio | 3.32 | 4.02 | 3.57 | 8.60 | 25.83 | - |
PS Ratio | 2.37 | 2.68 | 2.42 | 4.87 | 3.51 | 7.50 |