XP Inc. Ratios and Metrics

Market cap in millions BRL. Fiscal year is January - December.

Millions BRL. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Dec '25 Dec 4, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Market Capitalization	50,211	39,358	69,332	45,438	89,601	115,148	Upgrade
Market Cap Growth	-2.79%	-43.23%	52.59%	-49.29%	-22.19%	34.77%	Upgrade
Last Close Price	97.70	73.31	122.12	72.34	144.34	-	Upgrade
PE Ratio	9.93	8.72	17.78	12.70	24.96	55.46	Upgrade
PS Ratio	2.92	2.42	4.87	3.51	7.50	14.22	Upgrade
PB Ratio	2.12	1.96	3.56	2.67	6.21	10.57	Upgrade
P/FCF Ratio	2.78	3.57	8.60	25.83	-	84.32	Upgrade
P/OCF Ratio	2.75	3.52	8.53	25.19	-	76.22	Upgrade
Debt / Equity Ratio	7.72	7.94	5.47	4.44	3.99	4.20	Upgrade
Debt / FCF Ratio	10.12	14.43	13.20	43.03	-	33.52	Upgrade
Asset Turnover	0.05	0.05	0.07	0.08	0.10	0.12	Upgrade
Quick Ratio	1.26	1.21	1.34	1.31	1.32	1.08	Upgrade
Current Ratio	1.29	1.25	1.38	1.37	1.35	1.11	Upgrade
Return on Equity (ROE)	22.51%	22.86%	21.37%	22.76%	28.38%	23.06%	Upgrade
Return on Assets (ROA)	1.42%	1.51%	1.77%	2.16%	3.05%	2.98%	Upgrade
Earnings Yield	10.07%	11.47%	5.62%	7.88%	4.01%	1.80%	Upgrade
FCF Yield	35.99%	28.04%	11.63%	3.87%	-4.64%	1.19%	Upgrade
Dividend Yield	0.93%	5.48%	5.21%	-	-	-	Upgrade
Payout Ratio	40.30%	45.13%	90.86%	-	-	-	Upgrade
Buyback Yield / Dilution	2.54%	-0.76%	5.03%	0.09%	-2.57%	-9.26%	Upgrade
Total Shareholder Return	3.47%	4.73%	10.23%	0.09%	-2.57%	-9.26%	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Capital Markets template. Financial Sources.