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XP Inc. (XP)
NASDAQ: XP · Real-Time Price · USD
29.35
-1.07 (-3.52%)
At close: Oct 22, 2026, 4:00 PM EDT
29.36
+0.01 (0.03%)
After-hours: Oct 22, 2026, 7:58 PM EDT

XP Inc. Financials Overview

Millions BRL. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
18,63117,77316,25114,24312,94511,941
Revenue Growth
10.82%9.37%14.10%10.02%8.40%47.44%
Operating Income
5,6735,4254,9873,9413,4863,831
Net Income
5,3175,1704,5133,8993,5793,589
Earnings Per Share
10.149.728.237.166.256.26
EPS Growth
11.29%18.07%14.90%14.69%-0.20%68.53%

Revenue by Geography
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Brazil
18,26117,60416,28814,26112,85611,724
Other Countries
861.07794.42742.73598.79--
Total
19,12218,39917,03114,86013,34712,077

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
287,426266,711223,191145,082106,17080,148
Total Debt
159,541148,633159,211106,44475,70957,460
Net Cash (Debt)
127,884118,07963,98038,63830,46022,687
Net Cash Growth
73.01%84.56%65.59%26.85%34.26%15.86%
Net Cash Per Share
243.82221.98116.6871.0053.1639.56

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
13,44812,04511,1798,1271,804-4,020
Capital Expenditures
-234.75-209.29-144.81-66-44.56-135.44
Free Cash Flow
13,21411,83611,0348,0611,759-4,156
Free Cash Flow Growth
26.00%7.26%36.88%358.21%--

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
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%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023
Period EndingOct '26 Dec '25 Dec '24 Dec '23
Dividend Per Share
0.2000.9914.0206.357
Dividend Per Share Growth
0%-75.34%-36.75%-
Dividend Yield
0.68%1.08%5.49%5.03%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
15.009.218.7217.7812.7024.96
Forward PE
12.518.927.9415.1510.7624.13
P/FCF Ratio
5.694.023.578.6025.83-
PS Ratio
4.142.682.424.873.517.50