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
Total Client Assets reached R$1.491 trillion in 4Q25, representing 16% year-over-year growth.
Full year 2025 Net Revenue was R$18.412 billion, an increase of 8% compared to 2024.
Adjusted Net Income for the full year 2025 grew 15% year-over-year to R$5.218 billion.
Adjusted Diluted EPS was R$9.81 for the full year 2025, an 18% increase from the prior year.
The Wholesale Bank franchise was highlighted as a key performance driver, built over the last five years.
The company enters 2026 with a temporarily elevated capital base planned for optimization throughout the year.