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. 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 | 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 |
Total Interest Expense | 491.54 | 625.4 | 779.53 | 617.48 | 402.3 | 135.73 |
Net Interest Income | -491.54 | -625.4 | -779.53 | -617.48 | -402.3 | -135.73 |
Brokerage Commission | 3,351 | 3,213 | 3,130 | 2,782 | 2,667 | 2,658 |
Asset Management Fee | 2,124 | 1,887 | 1,743 | 1,628 | 1,581 | 1,490 |
Gain on Sale of Investments (Rev) | 2,515 | 2,497 | 2,285 | 1,979 | 1,631 | 1,917 |
Other Revenue | 11,132 | 10,801 | 9,873 | 8,471 | 7,468 | 6,012 |
| 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% |
Cost of Services Provided | 12,720 | 12,119 | 11,122 | 9,964 | 9,580 | 8,297 |
Other Operating Expenses | -126.54 | -162.98 | -145.59 | -23.48 | -214.92 | -278.8 |
Total Operating Expenses | 12,957 | 12,348 | 11,265 | 10,301 | 9,459 | 8,110 |
Operating Income | 5,673 | 5,425 | 4,987 | 3,941 | 3,486 | 3,831 |
EBT Excluding Unusual Items | 5,833 | 5,541 | 5,034 | 4,015 | 3,474 | 3,823 |
Asset Writedown | -38 | -23.36 | -29.45 | -32.27 | -20.81 | -20.37 |
Legal Settlements | -71.82 | -68.89 | -18.55 | -46.1 | -8.56 | -3.67 |
Pretax Income | 5,727 | 5,449 | 4,986 | 3,936 | 3,445 | 3,815 |
Income Tax Expense | 412.69 | 279.26 | 471.13 | 36.96 | -135.56 | 222.71 |
Earnings From Continuing Ops. | 5,314 | 5,169 | 4,515 | 3,899 | 3,580 | 3,592 |
Minority Interest in Earnings | 2.95 | 0.49 | -1.43 | -0.69 | -1.16 | -3.04 |
Net Income | 5,317 | 5,170 | 4,513 | 3,899 | 3,579 | 3,589 |
Net Income to Common | 5,317 | 5,170 | 4,513 | 3,899 | 3,579 | 3,589 |
Net Income Growth | 8.05% | 14.54% | 15.77% | 8.93% | -0.29% | 72.87% |
Shares Outstanding (Basic) | 520 | 527 | 542 | 540 | 555 | 559 |
Shares Outstanding (Diluted) | 525 | 532 | 548 | 544 | 573 | 573 |
Shares Change | -2.91% | -2.99% | 0.76% | -5.03% | -0.09% | 2.57% |
EPS (Basic) | 10.23 | 9.80 | 8.33 | 7.22 | 6.44 | 6.42 |
EPS (Diluted) | 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% |
Additional Metrics
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 |
Free Cash Flow | 13,214 | 11,836 | 11,034 | 8,061 | 1,759 | -4,156 |
Free Cash Flow Per Share | 25.19 | 22.25 | 20.12 | 14.81 | 3.07 | -7.25 |
Dividend Per Share | 2.028 | 0.991 | 4.020 | 6.357 | - | - |
Dividend Growth | -49.56% | -75.34% | -36.75% | - | - | - |
Operating Margin | 30.45% | 30.52% | 30.69% | 27.67% | 26.93% | 32.08% |
Profit Margin | 28.54% | 29.09% | 27.77% | 27.37% | 27.65% | 30.06% |
Free Cash Flow Margin | 70.92% | 66.59% | 67.90% | 56.60% | 13.59% | -34.80% |
Effective Tax Rate | 7.21% | 5.13% | 9.45% | 0.94% | - | 5.84% |
Revenue as Reported | 19,122 | 18,399 | 17,031 | 14,860 | 13,347 | 12,077 |