XP Inc. (XP) Form 6-K — Aug 17, 2026
XP Inc. reported second quarter 2026 results on August 17, 2026, with gross revenue of R$5,056 million, up 8% year over year, and adjusted net income of R$1,384 million, up 5% year over year. Adjusted diluted EPS grew 9% YoY to R$2.67, while EBT rose 15% YoY to R$1,565 million at a 32.0% margin. Client assets reached R$1.5 trillion, up 12% YoY, powered by R$28 billion of quarterly net inflow, a 188% YoY increase.
Key figures
- Eps
- R$2.67 (adjusted diluted, +9% YoY)
- Revenue
- R$5,056 million (gross revenue)
- Net Income
- R$1,384 million (adjusted, +5% YoY)
- Revenue Yoy
- +8%
- Total Assets
- R$408,031 million
- Cash Position
- R$7,978 million
- Ebt
- R$1,565 million (+15% YoY)
- Nps
- 66
- Roae
- 22.5% (-189 bps YoY)
- Rote
- 27.2% (-282 bps YoY)
- Sgna
- R$1,640 million (+5% YoY)
- Bis Ratio
- 20.3%
- Cards TPV
- R$13.5 billion (+8% YoY)
- Cet1 Ratio
- 17.1%
- Ebt Margin
- 32.0% (+172 bps YoY)
- Headcount
- 8491
- Net Inflow
- R$28 billion (+188% YoY)
- Net Revenue
- R$4,884 million (+9% YoY)
- Retail DATs
- 2.4 million (+3% YoY, -13% QoQ)
- Gross Margin
- 68.6%
- Client Assets
- R$1,535 billion (+12% YoY)
- Active Clients
- 4.772 million (+1% YoY)
- Total Advisors
- 18.4 thousand
- Bis Target Range
- 16%-19% by year end via capital distributions
- Retail Take Rate
- 1.20% (-5 bps YoY, +2 bps QoQ)
- Retail Net Inflow
- R$20 billion (+28% YoY)
- Adjusted Basic Eps
- R$2.71
- Corporate Revenue
- R$606 million (+117% YoY)
- Adjusted Net Margin
- 28.3%
- Open Buyback Program
- R$1 billion
- Risk Weighted Assets
- R$126.6 billion
- Buybacks Executed1 H26
- ~R$1 billion
- Gross Written Premiums
- R$489 million (+10% YoY)
- Expanded Loan Portfolio
- R$77.9 billion (+16% YoY)
- Total Client Assets Aum Aua
- R$2.2 trillion (+17% YoY)
- Wholesale Banking Revenue
- R$1,175 million (+32% YoY)
- Retirement Plans Client Assets
- R$101 billion (+18% YoY)
AI analysis
Red flags6 · Pro
The rest of the AI analysis, red flags and sentiment are part of Signal8 Pro.
AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.