XP Inc. Form 6-K Summary
Business Context and Reporting Period
This Form 6-K, filed on February 23, 2026, by XP Inc., a foreign private issuer, serves to incorporate by reference Exhibit 99.1. The exhibit contains the Management's Discussion and Analysis (MD&A) of financial condition and results of operations for the nine-month periods ended September 30, 2025, and September 30, 2024.
Key Financial Metrics
The provided filing text does not contain specific numerical values for revenue, profit, cash flow, margins, debt, or liquidity. These metrics are detailed in the referenced Exhibit 99.1, which is not included in the input text.
Material Changes
The filing indicates that Exhibit 99.1 includes a discussion of certain recent developments regarding the Company's business and a comparison of results between the nine-month periods ended September 30, 2025, and 2024. Specific details on material changes are not present in the cover letter text.
Guidance, Outlook, and Risks
The report includes forward-looking statements based on current expectations and projections of future events. Management cautions that these statements involve known and unknown risks, uncertainties, and assumptions that could cause actual results to differ materially from projections. The Company expressly disclaims any obligation to update or revise these forward-looking statements. Specific risks are referenced as being described in the "Cautionary Statement Regarding Forward-Looking Statements" section of the Company's annual report on Form 20-F for the year ended December 31, 2024.
Investor Verification Checklist
- Review Exhibit 99.1 for specific revenue, profit, and cash flow figures for the nine months ended September 30, 2025.
- Analyze the "recent developments" mentioned in the MD&A to understand operational changes.
- Consult the Form 20-F for the year ended December 31, 2024, for a comprehensive list of risk factors.
- Verify the incorporation of this report into the Form F-3 registration statement filed on February 23, 2026.