6-K - XP Inc. | StockGist

AI Analysis

AI-generated analysis. Always verify with the original filing.

XP Inc. reported its fourth quarter and full year 2025 results, achieving R$1.5 trillion in total client assets and R$18.4 billion in net revenue for the year. The company demonstrated growth across key metrics including a 15% year-over-year increase in full year adjusted net income to R$5.2 billion.

Key Takeaways

1Total Client Assets reached R$1.491 trillion in 4Q25, representing 16% year-over-year growth.

2Full year 2025 Net Revenue was R$18.412 billion, an increase of 8% compared to 2024.

3Adjusted Net Income for the full year 2025 grew 15% year-over-year to R$5.218 billion.

4Adjusted Diluted EPS was R$9.81 for the full year 2025, an 18% increase from the prior year.

5The Wholesale Bank franchise was highlighted as a key performance driver, built over the last five years.

6The company enters 2026 with a temporarily elevated capital base planned for optimization throughout the year.

Current Report Details

Event Type

Securities Issuance

Disclosure

Voluntary

Variant

6-K

Items Reported

6-K

Current Report on Form 6-K

Securities Issuance

Results of Operations

Fourth Quarter 2025

Metric	Value	Basis	Prior Period
Gross Revenue	$5.3K		$4.7K
Net Revenue	$5.0K		$4.5K
EBT	$1.5K		$1.3K
Adjusted Net Income	$1.3K	Non-GAAP	$1.2K
Adjusted Diluted EPS	$2.56	Non-GAAP	$2.23
Gross Margin	69%		69.3%
Adjusted ROAE	22.8%	Non-GAAP	23.4%

Exhibits (3)

6-K

FORM 6-K

99.1

EXHIBIT 99.1

99.2

EXHIBIT 99.2