XP Posts Record Year as Wholesale Surge and Retail Diversification Power 15% Earnings Growth

2026-02-13 - 10:05

3 Key Points — Adjusted net income rose 10% year-on-year to R$ 1.33 billion (~$229M) in 4Q25, capping a record full-year result of R$ 5.2 billion (~$897M), up 15%, with adjusted EPS climbing 18% to R$ 9.90 as share buybacks amplified per-share growth. — The wholesale bank was the breakout performer, with Corporate & Issuer