XP Inc. (XP)
NASDAQ: XP · Real-Time Price · USD
16.60
-0.07 (-0.42%)
At close: Jun 1, 2026, 4:00 PM EDT
16.61
+0.01 (0.04%)
After-hours: Jun 1, 2026, 6:16 PM EDT
XP Inc. Income Statement
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 | Mar '26 Mar 31, 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 |
| 18,729 | 18,399 | 17,031 | 14,860 | 13,347 | 12,077 | |
Revenue Growth (YoY) | 8.12% | 8.03% | 14.61% | 11.33% | 10.52% | 48.16% |
Cost of Revenue | 5,623 | 5,463 | 5,063 | 4,399 | 3,871 | 3,430 |
Gross Profit | 13,106 | 12,936 | 11,968 | 10,461 | 9,476 | 8,647 |
Selling, General & Admin | 6,918 | 6,713 | 6,150 | 5,631 | 5,780 | 4,920 |
Other Operating Expenses | 233.72 | 264.38 | 99.59 | 350.22 | -162.79 | -231.79 |
Total Operating Expenses | 7,152 | 6,977 | 6,250 | 5,981 | 5,617 | 4,688 |
Operating Income | 5,964 | 5,958 | 5,718 | 4,480 | 3,859 | 3,959 |
Interest Income | 126.97 | 115.85 | 47.29 | 73.51 | -12.17 | -7.71 |
Interest Expense | -550.73 | -625.4 | -779.53 | -617.48 | -402.3 | -135.73 |
Other Non-Operating Income (Expense) | -10.95 | - | - | - | - | - |
Total Non-Operating Income (Expense) | -434.7 | -509.55 | -732.24 | -543.97 | -414.47 | -143.44 |
Pretax Income | 5,529 | 5,449 | 4,986 | 3,936 | 3,445 | 3,815 |
Provision for Income Taxes | 278.72 | 279.26 | 471.13 | 36.96 | -135.56 | 222.71 |
Net Income | 3,948 | 5,170 | 4,513 | 3,899 | 3,579 | 3,589 |
Minority Interest in Earnings | 20.98 | -0.49 | 1.43 | 0.69 | 1.16 | 3.04 |
Net Income to Common | 3,948 | 5,170 | 4,513 | 3,899 | 3,579 | 3,589 |
Net Income Growth | -16.33% | 14.54% | 15.77% | 8.93% | -0.29% | 72.87% |
Shares Outstanding (Basic) | 524 | 527 | 542 | 540 | 555 | 559 |
Shares Outstanding (Diluted) | 531 | 532 | 548 | 544 | 573 | 573 |
Shares Change (YoY) | -2.47% | -2.99% | 0.76% | -5.03% | -0.09% | 2.57% |
EPS (Basic) | 7.54 | 9.80 | 8.33 | 7.22 | 6.44 | 6.42 |
EPS (Diluted) | 7.44 | 9.72 | 8.23 | 7.16 | 6.25 | 6.26 |
EPS Growth | -14.16% | 18.07% | 14.90% | 14.69% | -0.20% | 68.53% |
Shares Outstanding | 516.68 | 518.74 | 537.42 | 549.49 | 560.52 | 559.55 |
Free Cash Flow | 19,126 | 11,836 | 11,034 | 8,061 | 1,759 | -4,156 |
Free Cash Flow Growth | 61.60% | 7.26% | 36.88% | 358.21% | - | - |
Free Cash Flow Per Share | 36.05 | 22.25 | 20.12 | 14.81 | 3.07 | -7.25 |
Dividends Per Share | 2.035 | 0.991 | 4.020 | 6.357 | - | - |
Dividend Growth | 105.23% | -75.34% | -36.75% | - | - | - |
Gross Margin | 69.98% | 70.31% | 70.27% | 70.40% | 71.00% | 71.60% |
Operating Margin | 31.84% | 32.38% | 33.58% | 30.15% | 28.91% | 32.78% |
Profit Margin | 28.04% | 28.10% | 26.51% | 26.24% | 26.82% | 29.75% |
FCF Margin | 102.12% | 64.33% | 64.79% | 54.25% | 13.18% | -34.41% |
EBITDA | 6,277 | 6,262 | 5,984 | 4,733 | 4,065 | 4,190 |
EBITDA Margin | 33.52% | 34.04% | 35.13% | 31.85% | 30.46% | 34.70% |
EBIT | 5,964 | 5,958 | 5,718 | 4,480 | 3,859 | 3,959 |
EBIT Margin | 31.84% | 32.38% | 33.58% | 30.15% | 28.91% | 32.78% |
Effective Tax Rate | 5.04% | 5.13% | 9.45% | 0.94% | -3.94% | 5.84% |