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Investor Relations14 Oct 2025
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XTB (XTB) investor relations material
XTB Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Aug, 2025
Executive summary
Operating income for H1 2025 rose 23.8% year-over-year to PLN 1,160.9M, driven by a 69.9% increase in active clients and higher transaction volumes.
Net profit for H1 2025 was PLN 410.1M, down 11.4% from H1 2024.
Client base exceeded 1.7M, with active clients up 55.7% and 361,643 new clients acquired in H1 2025.
Operating expenses increased 48.4% to PLN 608.7M, mainly due to higher marketing and personnel costs.
Continued global expansion, product innovation, and technology investment.
Financial highlights
Total operating income for H1 2025: PLN 1,160.9M, up 23.8% year-over-year.
Net profit for H1 2025: PLN 410.1M, down 11.4% year-over-year.
EBITDA: PLN 564.0M, EBITDA margin 48.6%; net profit margin 35.3%.
Return on equity (ROE): 43.5%; return on assets (ROA): 11.7%.
Total capital ratio (IFR): 191.4%.
Outlook and guidance
Management expects operating expenses to rise by 40% in 2025, with marketing costs potentially up 80% year-over-year.
Focus on client acquisition, global brand building, and product innovation, including expansion into Indonesia and Brazil.
Ongoing investments in security, technology, AI chat, and enhanced 2FA.
No financial performance forecasts for 2025 were published.
Marketing and client acquisition expected to remain elevated to support growth.
Finance costs: Explain the significant increase.
Institutional segment revenue: Why the 60.8% drop?
KNF administrative proceedings: Provide an update.
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Next XTB earnings date
Q3 202518 Nov, 2025
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Frequently asked questions
XTB S.A. is a Poland-based financial services company specializing in online trading and investment solutions. The company provides access to trading in forex, commodities, indices, stocks, exchange-traded funds (ETFs), and contracts for difference (CFDs) through its proprietary trading platform. XTB serves retail and institutional clients across multiple international markets, offering educational resources, analytical tools, and risk management solutions. It operates through regulated subsidiaries and maintains a presence in various global financial centers. The company is headquartered in Warsaw, Poland, and its shares are listed on the WSE.
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