Welcome to our dedicated page for Xp SEC filings (Ticker: XP), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The XP Inc. (XP) SEC filings page on Stock Titan aggregates the company’s regulatory disclosures as a foreign private issuer listed on Nasdaq. XP files reports with the U.S. Securities and Exchange Commission under the Securities Exchange Act of 1934, including Form 20-F annual reports and Form 6-K current reports that furnish press releases and financial information.
XP’s Form 6-K filings commonly include earnings releases and presentations for its quarterly periods. These documents provide unaudited interim condensed consolidated financial statements, along with detailed breakdowns of gross revenue, net revenue, margins, segment performance across Retail, Institutional, and Corporate & Issuer Services, and operating metrics such as client assets, net inflows, active clients, and advisor counts. They also disclose information on cards total payment volume, credit or expanded loan portfolios, retirement plans client assets, and insurance gross written premiums.
Other 6-K submissions may furnish capital management announcements, such as cash dividend declarations, the authorization of new share repurchase programs, and the retirement or cancellation of treasury Class A shares. These filings outline the size and duration of buyback programs, the intended funding sources, and how these actions relate to XP’s capital ratios and distribution policies.
On Stock Titan, each filing is accompanied by AI-powered summaries designed to highlight key points from lengthy documents, helping readers quickly understand the main financial and strategic messages. Users can review XP’s historical and recent filings to analyze trends in profitability, capital structure, and operating metrics, and to monitor formal disclosures that complement the company’s earnings calls and press releases.
XP Inc. reported solid growth for the nine months ended September 30, 2025. Total revenue and income rose 7% to R$13,461 million, while net income increased 17% to R$3,888 million, lifting net margin from 26.5% to 28.9%.
Total client assets grew to R$1,425 billion from R$1,270 billion, supported by retail net inflows and a 2% increase in active clients to 4,752 thousand. Retail gross revenues rose 8% to R$10,722 million, and Corporate & Issuer Services revenues grew 9% to R$1,838 million, offsetting a slight 1% decline in Institutional revenues.
Operating costs and administrative expenses each increased 5%, and selling expenses nearly doubled due to heavier marketing, while expected credit losses rose 75% alongside loan growth. XP generated R$14,430 million in operating cash flow, ended with R$24,569 million in cash, approved a US$0.18 per-share dividend and a share buyback of up to R$1.0 billion, exited its UK operations, and realigned control interests in XP Control LLC while maintaining at least 69% voting power at the parent level.
XP Control LLC and Guilherme Dias Fernandes Benchimol updated their ownership in XP Inc. through Amendment No. 5 to a Schedule 13D. They now beneficially own 101,752,469 Class A common shares (including Class B on an as-converted basis), representing 19.6% of the Class A shares under SEC rules.
On February 11, 2026 they realigned interests with certain existing indirect holders, transferring cash and 1,623,257 Class A shares to one holder and creating non‑voting interests for others, subject to a repurchase right. If that right is fully exercised, their beneficial ownership could fall to 93,982,137 Class A shares, or 18.1% of the class.
XP Inc. is realigning the ownership structure of its controlling entity, XP Control LLC, as part of a planned leadership transition. Senior executives Thiago Maffra and José Berenguer are expected to become voting interest holders in XP Control LLC, joining existing controllers including Guilherme Dias Fernandes Benchimol.
ControlCo will acquire the voting equity interests held by Bruno Constantino Alexandre dos Santos, Bernardo Amaral Botelho and Gabriel Klas da Rocha Leal in exchange for cash and Class A common shares of XP. As a result, the beneficial ownership of Class A common shares held by ControlCo, assuming conversion of a corresponding number of Class B shares, will decrease to 18%, while ControlCo will continue to control at least 69% of XP’s voting power, with Benchimol remaining its majority unitholder.
Constantino will immediately cease to be a partner of ControlCo, while Botelho and Leal will remain as non-voting partners. All three will continue as members of XP’s Board of Directors. XP states that this evolution is intended to strengthen governance, stabilize its control structure, and support long-term sustainability.
XP Inc. reported solid growth for the fourth quarter and full year 2025, showing resilient performance in a challenging Brazilian investment market. In 4Q25, total client assets reached about R$1.5 trillion, up 16% year over year, supported by R$32 billion in net inflows and R$111 billion in market appreciation.
Quarterly gross revenue was R$5.3 billion, 12% higher than a year earlier, while net revenue rose 10%. Adjusted net income hit a record R$1.3 billion in the quarter, up 10% year over year, and adjusted diluted EPS was R$2.56, up 15%. For 2025, gross revenue grew 8% to R$19.5 billion and adjusted net income rose 15% to R$5.2 billion.
Profitability remained strong, with 4Q25 EBT of R$1.55 billion and an EBT margin of 31.3%, expanding more than 250 basis points year over year. Adjusted ROAE for 2025 was 23.9% and adjusted ROTE 29.5%. XP also maintained a high capital buffer, with a BIS ratio of 20.4% and CET1 of 17.3%, while returning R$1.9 billion via share repurchases and R$500 million in dividends during 2025.
XP Inc. filed its annual consolidated financial statements, showing audited 2025 results prepared under IFRS. Total revenue and income reached
Net income for 2025 was
At December 31, 2025, XP reported total assets of
XP continued its capital return strategy through several share buy-back programs. As of December 31, 2025, it held 88,650 Class A shares in treasury, equivalent to
BlackRock, Inc. has filed an amended Schedule 13G reporting beneficial ownership of 34,482,479 Class A shares of XP Inc. as of 12/31/2025, representing 8.3% of this share class. BlackRock reports sole power to vote 32,748,351 shares and sole power to dispose of 34,482,479 shares, with no shared voting or dispositive power.
The filing explains that these holdings are attributed to certain BlackRock business units and that various underlying clients have the right to receive dividends or sale proceeds, with no single client holding more than five percent of XP Inc.’s outstanding common shares. BlackRock certifies that the position is held in the ordinary course of business and not for the purpose of changing or influencing control of XP Inc.
XP Inc. filed a Form 6-K as a foreign private issuer, signed by its Chief Financial Officer, Victor Andreu Mansur Farinassi. The report furnishes a press release dated November 17, 2025.
The press release announces a cash dividend, the retirement of treasury shares, and the launch of a new share repurchase program, signaling several capital allocation actions affecting XP Inc.’s shareholders.
Dodge & Cox reports beneficial ownership of 34,308,445 Class A common shares of XP Inc., representing 7.9% of the Class A shares outstanding. The filing shows sole voting power over 32,393,945 shares and sole dispositive power over 34,308,445 shares. The stake is classified under the reporting person type IA (investment adviser) and is held on behalf of Dodge & Cox clients.
The statement certifies the holdings were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of XP Inc. The filing therefore documents a significant, but passive, institutional stake with clear voting and dispositive authority for the shares reported.