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Loan operations | 12 Months Ended
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Dec. 31, 2025
Disclosure of financial assets [abstract] |
Loan Operations | 9 Loan operations
Following is the breakdown of the carrying amount of loan operations by class, sector of debtor, maturity and concentration:
Loans by type |  | 2025 |  | 2024
Pledged asset loans |  | 26,185,440 |  |  | 23,217,323 |
Retail |  | 14,155,005 |  |  | 12,674,565 |
Companies |  | 4,549,379 |  |  | 4,516,553 |
Credit card |  | 7,481,056 |  |  | 6,026,205 |
Non-pledged asset loans |  | 8,432,588 |  |  | 6,431,221 |
Retail |  | 265,192 |  |  | 549,148 |
Companies |  | 6,251,739 |  |  | 3,506,397 |
Credit card |  | 1,915,657 |  |  | 2,375,676 |
Total loan operations |  | 34,618,028 |  |  | 29,648,544 |
Expected Credit Loss (Note 13) |  | (475,943) |  |  | (420,081) |
Total loan operations, net of expected credit losses |  | 34,142,085 |  |  | 29,228,463 |
By maturity |  | 2025 |  | 2024
Overdue by 1 day or more |  | 330,382 |  |  | 304,052 |
Due in 3 months or less |  | 8,252,877 |  |  | 6,014,440
Due after 3 months through 12 months |  | 8,345,591 |  |  | 3,808,000 |
Due after 12 months |  | 17,689,178 |  |  | 19,522,052 |
Total Loans operations |  | 34,618,028 |  |  | 29,648,544
By concentration |  | 2025 |  | 2024
Largest debtor |  | 4,175,501 |  |  | 2,407,808 |
10 largest debtors |  | 6,950,812 |  |  | 4,799,033 |
20 largest debtors |  | 8,133,975 |  |  | 5,831,608 |
50 largest debtors |  | 9,770,062 |  |  | 7,475,742 |
100 largest debtors |  | 10,838,691 |  |  | 8,601,442 |
XP Inc offers loan products through Banco XP to its customers. The loan products offered are mostly (76% and 78% in December 31, 2025 and 2024, respectively) collateralized by customers’ investments on XP platform. The reconciliation of gross carrying amount and the expected credit losses in loan operations, segregated by stage according with IFRS 9 is demonstrated in Note 13.

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