XP Inc Financial Flexibility Index
XP Inc financial flexibility index. XP Inc (XP9) has a Financial Flexibility Index of -0.01x as of December 2025. Free cash flow of €-2.24 Billion (operating CF €-2.38 Billion minus capex €149.50 Million) represents 0% of total liabilities (€372.98 Billion). See XP9 free cash flow to operating cash ratio to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of XP Inc (2017–2025)
Financial flexibility index of XP Inc from 2017 to 2025. Historical Financial Flexibility Index trend for XP Inc across 9 annual periods. Check how high is XP Inc's earnings quality to evaluate the quality of earnings relative to operating cash generation.
XP Inc Financial Flexibility Index by Year (2017–2025)
XP Inc financial flexibility index by year from 2017 to 2025. Year-by-year free cash flow to debt coverage for XP Inc. For the full cash flow conversion analysis, see XP9 operating cash flow.
| Year | Flexibility Index | Free Cash Flow (EUR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.03x | €12.53 Billion | €12.04 Billion | €372.98 Billion | ▼ -4.4% |
| 2024 | 0.04x | €11.51 Billion | €11.18 Billion | €327.41 Billion | ▼ -3.0% |
| 2023 | 0.04x | €8.32 Billion | €8.13 Billion | €229.59 Billion | ▲ +243.2% |
| 2022 | 0.01x | €1.85 Billion | €1.80 Billion | €174.99 Billion | ▲ +134.0% |
| 2021 | -0.03x | €-3.88 Billion | €-4.02 Billion | €124.92 Billion | ▼ -259.9% |
| 2020 | 0.02x | €1.66 Billion | €1.51 Billion | €85.13 Billion | ▲ +119.0% |
| 2019 | -0.10x | €-3.74 Billion | €-3.81 Billion | €36.47 Billion | ▼ -329.3% |
| 2018 | -0.02x | €-373.60 Million | €-456.75 Million | €15.63 Billion | ▼ -148.9% |
| 2017 | 0.05x | €292.74 Million | €262.37 Million | €5.98 Billion | — |