Return On Equity	(Dec 31 2025) 2025	(Dec 31 2024) 2024	(Dec 31 2023) 2022	(Dec 31 2021) 2021	(Dec 31 2020) 2020
Y / Y Equity Change	17.46 %	-80.42 %	652.01 %	23.27 %	289.27 %
Y / Y Net Income Change	14.5 %	-	-	63.74 %	206.65 %
Return On Equity	21.95 %	22.52 %	-	25.78 %	19.41 %

XP all Ratios >> Back to XP Management Effectiveness >> See Quarterly XP Return On Equity

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Roe Comment

In (Dec 31 2025) ROE detoriated to 21.95 %, despite net income growth.

Financial Statements
Xp Inc 's Equity	$ 4,474 Millions	Annual XP's Balance sheet
Xp Inc 's Annual Income	$ 982 Millions	Annual XP's Income Statement
Where are XP's Income coming from?		Visit XP's Income by Segment

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