Cash flow XP Inc.

Stocks

XP

KYG982391099

Investment Banking & Brokerage Services

Market Closed - Nasdaq 16:00:00 2026-08-13 EDT			5-day change	1st Jan Change
15.84 ^USD	+2.59%		-5.04%	-3.24%

08-06	Latin American currencies rise as commodities firm; Mexico holds rates	RE
06-29	XP Inc.(NasdaqGS:XP) dropped from Russell Small Cap Comp Growth Benchmark	CI

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Published financial data: XP INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Expense, Total	136M	402M	617M	780M	625M
Net Interest Income	-136M	-402M	-617M	-780M	-625M
Brokerage Commission	2.66B	2.67B	2.78B	3.13B	3.21B
Trading and Principal Transactions	-	-	-	-	-
Asset Management Fee	1.49B	1.58B	1.63B	1.74B	1.89B
Gain (Loss) on Sale of Investments, Total (Rev)	1.92B	1.63B	1.98B	2.29B	2.5B
Other Revenues, Total	6.01B	7.47B	8.47B	9.87B	10.8B
Revenues Before Provison For Loan Losses	11.94B	12.95B	14.24B	16.25B	17.77B
Total Revenues	11.94B	12.95B	14.24B	16.25B	17.77B
Cost of Services Provided, Total	8.3B	9.58B	9.96B	11.12B	12.12B
Provision for Bad Debts	92.56M	94.16M	361M	288M	392M
Other Operating Expenses	-279M	-201M	-69.1M	-146M	-163M
Total Operating Expenses	8.11B	9.47B	10.26B	11.26B	12.35B
Operating Income	3.83B	3.47B	3.99B	4.99B	5.42B
Income (Loss) on Equity Invest.	-7.71M	-12.16M	73.51M	47.29M	116M
Currency Exchange Gains (Loss)	-	-	-	-	-
EBT, Excl. Unusual Items	3.82B	3.46B	4.06B	5.03B	5.54B
Gain (Loss) on Sale of Assets	15.99M	14.01M	-45.62M	-	-
Asset Writedown	-20.37M	-20.8M	-32.27M	-29.45M	-23.36M
Legal Settlements	-3.67M	-8.56M	-46.1M	-18.55M	-68.89M
EBT, Incl. Unusual Items	3.82B	3.44B	3.94B	4.99B	5.45B
Income Tax Expense	223M	-136M	36.96M	471M	279M
Earnings From Continuing Operations	3.59B	3.58B	3.9B	4.51B	5.17B
Net Income to Company	3.59B	3.58B	3.9B	4.51B	5.17B
Minority Interest	-3.04M	-1.16M	-689K	-1.43M	494K
Net Income - (IS)	3.59B	3.58B	3.9B	4.51B	5.17B
Net Income to Common Incl Extra Items	3.59B	3.58B	3.9B	4.51B	5.17B
Net Income to Common Excl. Extra Items	3.59B	3.58B	3.9B	4.51B	5.17B
Per Share Items
Net EPS - Basic	6.42	6.44	7.22	8.33	9.8
Basic EPS - Continuing Operations	6.42	6.44	7.22	8.33	9.8
Basic Weighted Average Shares Outstanding	559M	555M	540M	542M	527M
Net EPS - Diluted	6.26	6.25	7.16	8.23	9.72
Diluted EPS - Continuing Operations	6.26	6.25	7.16	8.23	9.72
Diluted Weighted Average Shares Outstanding	573M	573M	544M	548M	532M
Normalized Basic EPS	4.27	3.89	4.7	5.81	6.57
Normalized Diluted EPS	4.16	3.77	4.66	5.74	6.51
Dividend Per Share	-	-	6.36	4.02	0.99
Payout Ratio	-	-	90.86	45.13	9.57
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Total Revenues (As Reported)	12.08B	13.35B	14.86B	17.03B	18.4B
Effective Tax Rate - (Ratio)	5.84	-3.94	0.94	9.45	5.13
Current Foreign Taxes	-	-	587M	432M	843M
Total Current Taxes	610M	262M	587M	432M	843M
Deferred Foreign Taxes	-	-	-550M	39.08M	-564M
Total Deferred Taxes	-388M	-398M	-550M	39.08M	-564M
Normalized Net Income	2.39B	2.16B	2.54B	3.14B	3.46B
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	561M	585M	366M	417M	392M
Total Stock-Based Compensation	561M	585M	366M	417M	392M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	2.49B	3.55B	3.94B	5.61B	10.36B
Securities Purchased Under Agreements To Resell	8.89B	7.6B	14.89B	22.06B	17.06B
Accounts Receivable, Total	413M	487M	516M	609M	1.01B
Other Receivables	12.88B	22.34B	28.77B	29.42B	34.53B
Gross Property Plant And Equipment	660M	662M	841M	942M	1.03B
Accumulated Depreciation	-61.84M	-92.49M	-186M	-179M	-227M
Net Property Plant And Equipment	598M	569M	655M	763M	804M
Goodwill	543M	595M	1.83B	1.92B	1.92B
Other Intangibles, Total	278M	249M	669M	713M	842M
Investment In Debt and Equity Securities	35.03B	47.27B	55.13B	66.95B	66.54B
Trading Asset Securities, Total	68.77B	96.19B	126B	196B	239B
Other Current Assets, Total	2.16B	4.75B	4.72B	8.52B	8.14B
Deferred Tax Assets Long-Term (Collected)	1.27B	1.61B	2.1B	2.89B	3.37B
Other Long-Term Assets, Total	6.01B	6.82B	9.57B	12.48B	12.66B
Total Assets	139B	192B	249B	347B	397B
Liabilities
Accounts Payable, Total	868M	617M	948M	763M	810M
Accrued Expenses, Total	1.3B	1.19B	1.48B	1.56B	1.68B
Short-Term Borrowings	38.19B	40.4B	60.33B	113B	96.5B
Current Portion of Long-Term Debt	4.02B	15.45B	22.01B	18.1B	30.86B
Current Portion of Leases	71.92M	69.72M	124M	40.76M	62.34M
Long-Term Debt	14.93B	19.58B	23.8B	27.3B	20.96B
Long-Term Leases	247M	216M	181M	271M	249M
Current Income Taxes Payable	273M	143M	226M	171M	543M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	20.94B	40.41B	45.06B	75.48B	101B
Pension & Other Post Retirement Benefits	31.92B	45.73B	56.41B	66.22B	93.02B
Deferred Tax Liability Non-Current	28.93M	111M	86.36M	265M	489M
Other Non Current Liabilities	12.13B	11.07B	18.93B	23.73B	26.68B
Total Liabilities	125B	175B	230B	327B	373B
Common Stock, Total	23K	24K	26K	26K	28K
Additional Paid In Capital	6.82B	6.99B	6.42B	5.65B	19.7B
Retained Earnings	-	-	-	-	-
Treasury Stock	-172M	-1.99B	-117M	-222M	-125M
Comprehensive Income and Other	7.77B	12.04B	13.15B	14.61B	3.98B
Total Common Equity	14.42B	17.04B	19.45B	20.04B	23.55B
Minority Interest	2.79M	6.48M	1.49M	3.68M	1.01M
Total Equity	14.42B	17.04B	19.45B	20.05B	23.55B
Total Liabilities And Equity	139B	192B	249B	347B	397B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	559M	541M	548M	537M	519M
ECS Total Common Shares Outstanding	559M	541M	548M	537M	519M
Book Value / Share	25.8	31.47	35.46	37.3	45.39
Tangible Book Value	13.6B	16.19B	16.95B	17.41B	20.78B
Tangible Book Value Per Share	24.33	29.91	30.9	32.39	40.06
Tangible Book Value Per Share (As Reported)	-	-	-	-	-
Total Debt	57.46B	75.71B	106B	159B	149B
Net Debt	-22.69B	-31.64B	-38.64B	-63.98B	-118B
Equity Method Investments, Total	2.01B	2.27B	3.11B	3.52B	3.64B
Full Time Employees	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	3.59B	3.58B	3.9B	4.51B	5.17B
Depreciation, Depletion & Amortization	68.62M	110M	119M	125M	141M
Amortization of Goodwill and Intangible Assets - (CF)	14.31M	19.18M	62.13M	89.36M	125M
Total Depreciation, Depletion & Amortization	82.93M	129M	181M	215M	266M
Amortization of Deferred Charges, Total	149M	76.45M	71.68M	50.77M	38.59M
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	3.8M
(Gain) Loss on Sale of Investments - (CF)	92.56M	78.94M	387M	322M	392M
Total Asset Writedown	20.37M	20.8M	32.27M	29.45M	23.36M
(Income) Loss On Equity Investments - (CF)	7.71M	66.47M	-21.1M	43.93M	-40.28M
Stock-Based Compensation (CF)	561M	585M	366M	417M	392M
Provision and Write-off of Bad Debts	-	-	-	-	-
Change in Trading Asset Securities	-	-	-	-	-
Change in Accounts Receivable	37.16M	-157M	-53.25M	-110M	-639M
Change in Accounts Payable	-134M	-309M	326M	-185M	46.69M
Change In Income Taxes	279M	-91.33M	17.41M	-155M	-75.93M
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-8.76B	-1.61B	3.3B	4.63B	7.46B
Other Operating Activities	51.52M	-566M	-382M	1.4B	-995M
Cash from Operations	-4.02B	1.8B	8.13B	11.18B	12.04B
Capital Expenditure	-135M	-44.56M	-66M	-145M	-209M
Sale of Property, Plant, and Equipment	-	-	-	10M	-
Cash Acquisitions	-40.86M	-69.53M	771M	-4.62M	-
Purchase / Sale of Intangible Assets	-218M	-82.41M	-130M	-181M	-280M
Investment in Marketable and Equity Securities, Total	-757M	-175M	-35.86M	-1.39B	-371M
Other Investing Activities, Total	-	-	-	46.81M	145M
Cash from Investing	-1.15B	-371M	539M	-1.67B	-716M
Long-Term Debt Issued, Total	5.76B	1.89B	2.63B	1.16B	2.63B
Total Debt Issued	5.76B	1.89B	2.63B	1.16B	2.63B
Long-Term Debt Repaid, Total	-254M	-278M	-2.56B	-3.55B	-5.16B
Total Debt Repaid	-254M	-278M	-2.56B	-3.55B	-5.16B
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-	-1.81B	-916M	-1.35B	-1.9B
Common Dividends Paid	-	-	-3.54B	-2.04B	-495M
Common & Preferred Stock Dividends Paid	-	-	-3.54B	-2.04B	-495M
Other Financing Activities, Total	1.13B	1.74M	-6M	-996K	-800K
Cash from Financing	6.64B	-200M	-4.39B	-5.78B	-4.93B
Foreign Exchange Rate Adjustments	-377M	-16.68M	-28.28M	-28.28M	-90.59M
Net Change in Cash	1.09B	1.22B	4.24B	3.7B	6.31B
Supplemental Items
Cash Interest Paid	81.43M	198M	141M	349M	367M
Cash Income Tax Paid (Refund)	784M	371M	403M	542M	314M
Net Debt Issued / Repaid	5.51B	1.61B	69.33M	-2.39B	-2.53B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	3.05	2.16	1.77	1.51	1.39
Return On Equity %	28.38	22.76	21.37	22.86	23.72
Return on Common Equity	28.36	22.76	21.37	22.86	23.72
Margin Analysis
Gross Profit Margin %	71.28	70.1	69.11	68.85	69.26
SG&A Margin	40.75	44.1	39.07	37.28	37.45
Income From Continuing Operations Margin %	30.08	27.66	27.38	27.78	29.08
Net Income Margin %	30.06	27.65	27.37	27.77	29.09
Net Avail. For Common Margin %	30.06	27.65	27.37	27.77	29.09
Normalized Net Income Margin	19.98	16.7	17.81	19.35	19.49
Asset Turnover
Asset Turnover	0.1	0.08	0.06	0.05	0.05
Short Term Liquidity
Current Ratio	1.46	1.37	1.38	1.25	1.34
Quick Ratio	1.42	1.32	1.34	1.21	1.31
Operating Cash Flow to Current Liabilities	-0.06	0.02	0.06	0.05	0.05
Long Term Solvency
Total Debt/Equity	398.49	444.25	547.25	794.18	631.2
Total Debt / Total Capital	79.94	81.63	84.55	88.82	86.32
LT Debt/Equity	105.28	116.14	123.3	137.55	90.09
Long-Term Debt / Total Capital	21.12	21.34	19.05	15.38	12.32
Total Liabilities / Total Assets	89.65	91.13	92.19	94.23	94.06
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	47.44	8.41	10.02	14.1	9.36
Gross Profit, 1 Yr. Growth %	56.07	6.61	8.48	13.66	10.03
Earnings From Cont. Operations, 1 Yr. Growth %	72.59	-0.34	8.92	15.78	14.5
Net Income, 1 Yr. Growth %	72.86	-0.29	8.93	15.77	14.54
Normalized Net Income, 1 Yr. Growth %	52.08	-9.43	17.38	25.37	10.13
Diluted EPS Before Extra, 1 Yr. Growth %	68.53	-0.2	14.69	14.9	18.07
Common Equity, 1 Yr. Growth %	32.33	18.17	14.17	3.06	17.48
Total Assets, 1 Yr. Growth %	45.1	37.82	29.69	39.52	14.12
Tangible Book Value, 1 Yr. Growth %	33.54	19.09	4.67	2.72	19.38
Cash From Operations, 1 Yr. Growth %	-366.12	-144.87	350.54	37.55	7.75
Capital Expenditures, 1 Yr. Growth %	-6.7	-67.1	48.11	119.39	44.53
Dividend Per Share, 1 Yr. Growth %	-	-	-	-36.75	-75.34
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	53.87	26.43	9.21	12.04	11.71
Gross Profit, 2 Yr. CAGR %	57.14	28.99	7.54	11.04	11.83
Earnings From Cont. Operations, 2 Yr. CAGR %	81.59	31.15	4.18	12.3	15.14
Net Income, 2 Yr. CAGR %	82.26	31.29	4.22	12.3	15.15
Normalized Net Income, 2 Yr. CAGR %	56.98	17.36	3.11	20.38	17.5
Diluted EPS Before Extra, 2 Yr. CAGR %	72.17	29.69	6.99	14.8	16.48
Common Equity, 2 Yr. CAGR %	41.96	25.05	16.15	8.47	10.03
Total Assets, 2 Yr. CAGR %	78.72	41.41	33.69	34.51	26.18
Tangible Book Value, 2 Yr. CAGR %	43.53	26.11	11.65	3.69	10.74
Cash From Operations, 2 Yr. CAGR %	2.67	9.27	42.18	148.94	21.74
Capital Expenditures, 2 Yr. CAGR %	36.68	-44.59	-30.19	80.26	78.07
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	-60.51
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	60.54	36.92	20.7	10.82	11.14
Gross Profit, 3 Yr. CAGR %	63.34	38.08	21.76	9.54	10.7
Earnings From Cont. Operations, 3 Yr. CAGR %	97.64	48.67	23.27	7.92	13.02
Net Income, 3 Yr. CAGR %	98.14	49.07	23.37	7.93	13.04
Normalized Net Income, 3 Yr. CAGR %	79.34	30.68	17.37	9.63	16.86
Diluted EPS Before Extra, 3 Yr. CAGR %	88.41	43.55	24.48	9.56	15.88
Common Equity, 3 Yr. CAGR %	90.52	33.54	21.31	11.61	11.39
Total Assets, 3 Yr. CAGR %	98.84	63.89	37.39	35.6	27.34
Tangible Book Value, 3 Yr. CAGR %	104.93	34.87	18.51	8.59	8.68
Cash From Operations, 3 Yr. CAGR %	106.47	-22.09	75.22	40.62	88.31
Capital Expenditures, 3 Yr. CAGR %	17.66	-14.97	-23.1	2.25	67.46
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	57	47.64	37.61	26.37	17.02
Gross Profit, 5 Yr. CAGR %	57.59	48.28	38.19	26.55	17.68
Earnings From Cont. Operations, 5 Yr. CAGR %	71.27	53.25	52.98	32.89	19.95
Net Income, 5 Yr. CAGR %	80.24	53.95	53.24	33.1	20.01
Normalized Net Income, 5 Yr. CAGR %	68.06	42.89	43.72	26.56	17.16
Diluted EPS Before Extra, 5 Yr. CAGR %	74.3	48.9	50.24	31.27	21.22
Common Equity, 5 Yr. CAGR %	69.02	71.63	56.3	22.88	16.67
Total Assets, 5 Yr. CAGR %	101.07	93.19	69.64	51.44	32.79
Tangible Book Value, 5 Yr. CAGR %	71.3	89.61	60.73	21.41	15.34
Cash From Operations, 5 Yr. CAGR %	284.63	47.05	77.85	24	51.47
Capital Expenditures, 5 Yr. CAGR %	47.84	7.97	-4.51	14.84	7.59