XP Inc (XP9) — Cash Flow Quality Index
XP Inc (XP9) has a Cash Flow Quality Index of -1.84x as of December 2025. Operating cash flow of €-2.38 Billion is below net income of €1.30 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore XP Inc (XP9) cash conversion ratio to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
XP Inc Cash Flow Quality Index (2016–2025)
Historical Cash Flow Quality Index for XP Inc across 10 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check how aggressively does XP Inc reinvest cash to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for XP Inc (2016–2025)
Year-by-year earnings quality comparison for XP Inc. For live market cap and the full company financial profile, see XP Inc market cap and net worth.
| Year | Quality Index | Operating CF (EUR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 2.33x | €12.04 Billion | €5.17 Billion | ▼ -5.9% |
| 2024 | 2.48x | €11.18 Billion | €4.51 Billion | ▲ +18.8% |
| 2023 | 2.08x | €8.13 Billion | €3.90 Billion | ▲ +313.7% |
| 2022 | 0.50x | €1.80 Billion | €3.58 Billion | ▲ +145.0% |
| 2021 | -1.12x | €-4.02 Billion | €3.59 Billion | ▼ -254.3% |
| 2020 | 0.73x | €1.51 Billion | €2.08 Billion | ▲ +120.6% |
| 2019 | -3.53x | €-3.81 Billion | €1.08 Billion | ▼ -256.6% |
| 2018 | -0.99x | €-456.75 Million | €461.44 Million | ▼ -256.1% |
| 2017 | 0.63x | €262.37 Million | €413.87 Million | ▲ +3135.5% |
| 2016 | 0.02x | €4.78 Million | €243.76 Million | — |