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• 2025.07.31
  XTB ended H1 2025 with over 1.7 million clients worldwide, reflecting strong client growth and record operating income
  Przeczytaj

  XTB reported preliminary financial results for the first half of 2025:

  • Strong momentum in acquiring new clients – adding 361,600 new users, which represents a 55.7% increase YoY.
  • LThe total number of clients has surpassed 1.7 million, marking a 53.0% growth compared to the same period last year.
  • The number of active clients reached a record high, increasing by 69.9% YoY to 853,900.
  • The increasing number of active clients and their heightened transaction activity have led to a record operating income of EUR 275.0 million (+26.4% YoY)
  • Net profit was EUR 97.2 million, compared to EUR 107.4 million last year. In line with expectations, operating expenses rose to EUR 144.2 million, primarily due to increased spending on online and offline marketing campaigns and higher labor costs associated with a growing workforce.

  
  XTB is thriving in its strategic development, evolving into an investment super app where clients’ money can work in multiple ways. By expanding its client base and actively attracting diverse groups of investors, it is not only enhancing accessibility to investment opportunities but also shaping the future landscape of investing.

  We dispelled the myth that the second quarter is inherently weaker than the others by expanding our client base and enhancing our global brand. The past half of the year has been busy as we launched new products aimed at empowering investors in Poland and France to embrace long-term investing, while also continuing our marketing campaigns and expanding our footprint in Hungary and Chile, comments Omar Arnaout, CEO of XTB. I am particularly pleased with the increase in new clients and their active investment activities. This trend indicates that we are effectively reaching new demographics seeking efficient ways to invest their money. The growing number of clients will serve as a solid foundation for our development in the coming years, and we will continue to prioritize this area, adds Arnaout.

  Revenue model and customer assets

  In the first half of 2025, contracts for difference (CFDs) based on indices accounted for 46.3% of revenue, up from 37.2% the previous year. This increase was driven by transactions linked to the US 100, German DAX (DE40), and US 500 indices. CFDs based on commodities contributed 33.1% of revenue, down from 48.2% in the first half of 2024, primarily due to the performance of gold, crude oil, natural gas, and coffee. CFDs based on currencies made up 15.6% of revenues, rising from 10.3% last year, with the EUR/USD pair and Bitcoin being the most profitable instruments in this category.

  In the first half of 2025, XTB clients were actively investing in shares and exchange-traded products (ETPs), including ETFs. Year-over-year, trading in these instruments surged by 118.6%, reaching a total of USD 8.8 billion.

  In the first half of the year, EU clients conducted over 21 million transactions involving shares, exchange-traded products (including ETFs), and investment plans. In comparison, the total number of transactions in these asset classes for the entire year of 2024 reached 27 million. Almost 80% of the initial transactions made by new XTB clients in H1 2025 also focused on these asset classes.

  Net deposits totaled EUR 1.7 billion, reflecting a significant 94% increase from the previous year, as clients capitalized on interest from their idle funds.

  At the close of the first half of 2025, XTB client assets totaled EUR 8.46 billion. Of this amount, approximately EUR 4.5 billion represented the nominal value of instruments held by clients in their accounts, including stocks and ETPs. Nearly EUR 1.1 billion consisted of client funds, while approximately EUR 2.9 billion was the nominal value of CFD instruments.

  Record new customer acquisition and their investment activity

  In H1 2025, XTB acquired a record of over 361 thousand new clients (+55.7% y/y). At the end of June 2025, a total of 1.7 million clients invested via the XTB app and web platform, compared to 1.1 million at the end of H1 2024. In turn, between July 1 and 30, 2025, another 61.9 thousand new investors joined XTB’s client base. The number of active customers also increased significantly, reaching a record level of 853.9 thousand, which means an increase of 69.9% year-on-year.

  Product portfolio and new features to boost account security

  In 2025, XTB aims to further expand its offerings for individuals looking to make their money work, both actively and passively. The company is pursuing the development of necessary legal documents and technological advancements to introduce options and cryptocurrency trading to its portfolio. The implementation of this year’s product plan depends on many external factors and is closely tied to the completion of the regulatory process related to the implementation of the MiCA regulation in Poland.
  In addition to ongoing product development, XTB is making significant investments in technological security, with the budget for the security department increasing by 48% over the past year. These investments focus on acquiring software, security services, and hiring specialists.

  We recognize that online fraud is a serious threat in today’s digital landscape, which is why we offer investors protective tools and actively participate in cybersecurity education, comments Omar Arnaout, CEO of XTB.

  To date, XTB has completed numerous initiatives aimed at enhancing account security, including strengthening two-factor authentication (2FA) by introducing an additional authentication method: Time-Based One-Time Passwords (TOTP). This involves generating one-time codes using apps such as Google Authenticator, Microsoft Authenticator, and Apple Passwords. Recently, the company also began the process of mandating 2FA for users across multiple countries.

  Expanding the global footprint

  XTB is solidifying its strong market position and rapidly expanding customer base by making significant strides into non-European markets. The company is consistently implementing its strategy to establish a global brand. With the recent acquisition of a securities agent license in Chile, XTB can now offer local clients access to European and U.S. shares, along with ETP funds. Additionally, the company is preparing a marketing campaign targeting clients in Indonesia to promote its diverse selection of stocks and ETFs.

• 2025.03.21
  XTB summarizes 2024
  Przeczytaj

  – In 2024, XTB clients completed 167.6 million transactions, 18% more than the previous year.

  – Client assets at the end of 2024 amounted to PLN 27.4 billion (+58.4% YoY). The largest and fastest-growing category consists of stocks and ETPs deposited by clients in XTB accounts, whose value increased by 126.6% YoY, reaching PLN 13.7 billion by the end of 2024.

  – As of the end of February 2025, XTB had 1.49 million clients worldwide.

  – Pension products garnered significant interest from clients in Poland – of the 72,000 new IKE accounts opened in 2024 across all brokerage houses, nearly 40% belong to XTB clients.

  – Last year, nearly 80% of new clients from the EU began investing in XTB by purchasing stocks, ETPs, or opening an investment plan.

   

  XTB published its annual report summarizing key financial and operational results achieved in 2024. In many respects, it was a record year for the company: PLN 1.87 billion in consolidated operating income (+15.8% YoY), PLN 856.9 million in net profit (+8.3% YoY), and PLN 986.7 million in operating profit (+6.8% YoY).

   

  Growth in client base, their investment activity, and assets

  In 2024, XTB acquired 498,000 new clients, representing a 59.8% year-over-year increase. The company’s goal is to acquire between 150,000 to 210,000 new clients per quarter. In January and February of this year alone, 137,752 new clients joined XTB. As of the end of February, XTB had 1.49 million clients.

   

  The transactional activity of XTB clients also increased, with clients completing 167.6 million transactions in 2024, 18% more than the previous year.

  Last year, nearly 80% of new clients in the European Union began investing by purchasing stocks, ETPs, or opening an investment plan. This aligns with XTB’s strategic goal of building a universal investment app that will become the first choice for individuals who want to manage their finances.

  

   

  In Poland, there was significant interest from clients in pension products, specifically the IKE account. In 2024, XTB clients opened 29,000 such accounts, accounting for 40% of all new IKE accounts opened in brokerage houses. It is worth noting that the IKE account was introduced by XTB only at the beginning of October 2024.

   

  “We are pleased with the results achieved in 2024. We are happy with both the increasing number of new clients and the growth in their transactional activity. Our passive investment offering, including investment plans and interest on free funds, is very competitive in many of the markets we operate in, which positively impacts new client acquisition. We are also effectively reaching younger investor groups who stay with us for the long term,” said Paweł Szejko, CFO at XTB.

   

  At the end of 2024, XTB’s client assets totaled PLN 27.4 billion (+58.4% YoY). The largest increase (+126.6%) was observed in the nominal value of instruments deposited by clients in XTB accounts, which amounted to PLN 13.7 billion. The value of client cash increased by 65.5% to over PLN 3.7 billion, while the nominal value of derivative instruments rose by PLN 1.1 billion to PLN 10 billion.

   

  Growing share of the Middle East in revenue structure

  Central and Eastern Europe remains the largest contributor to XTB’s revenue, with its share rising to 63.9% in 2024 (+3.1% YoY). By the end of 2024, revenue from this region grew by 21.7% to PLN 1.96 billion. Poland plays a key role in this region, with revenue from this market increasing by 26.5% YoY, showing that XTB has the potential for further growth in markets where its position is already dominant.

   

  Western Europe is a region where the company plans to intensively expand in 2025. The increase in revenue from this region will be supported by the expansion of the product offering and the introduction of ISA accounts in the UK (Q4 2024), with plans to add PEA accounts for clients in France in the coming weeks.

   

  The most dynamically developing region for XTB remains the Middle East, whose share of the company’s revenue at the end of 2024 reached 10.9%, compared to 7.3% a year earlier. Revenue from this region increased by 72.5% YoY to PLN 203.1 million.

   

  

   

  “We see a very large potential in the Middle East region, which is one of the fastest-growing markets for our operations. In the coming days, we will open a new, larger office in the United Arab Emirates, and acquiring a new license opens up a range of opportunities for promoting our products and optimizing costs. The Asian market also holds significant growth potential, where we have obtained a license that will allow us to offer our products – stocks and ETPs – to clients,” commented Paweł Szejko, Board Member for Finance at XTB.

   

• 2025.03.03
  XTB ranked among the top companies in the WIG30 for outstanding investor relations!
  Przeczytaj

  The “Parkiet” daily recently published the results of its annual study on companies’ communication with the market. We are pleased to announce that we achieved third place among the WIG30 companies in the rating of individual investors, exceeding the average score. Additionally, we ranked among the top ten in the financial institutions category, which confirms the high level of XTB’s communication with the market. Our results reflect a very positive outcome, combining the ratings from both groups of survey participants.

   

   

  Trust is one of the most essential components of a functioning capital market. Building long-term, solid relationships with investors is a key part of our mission. Paweł Szejko, CFO and member of the XTB management board, commented:

   

  – The success of IR activities is based on several factors. The first is transparency and openness in communication, as well as equal access to information. It may seem obvious, but without this foundation it is difficult to talk about valuable communication.

   

  Thank you for recognizing my efforts in such a meaningful way!

   

  You can read more on Parkiet (the article is in Polish).

• 2023.08.23
  XTB’s business strategy and operations vs. the regulations on activities marketing activities related to CFDs
  Przeczytaj

  In connection with the information appearing in recent days regarding the potential impact of the guidelines published by the Spanish CNMV (Comisión Nacional del Mercado de Valores) on our business, we would like to remind of key information relevant from the point of view of our clients and investors:

   

  1. The guidelines published by the CNMV on July 18, 2023 refer to the prohibition of advertising CFDs, but do not refer to the rules of offering this product to clients or to advertising activities for other products. For XTB this means that we will continue to actively conduct advertising activities on the Spanish market.

   

  2. The local Spanish regulations have been reviewed by the European Securities and Markets Authority (ESMA). According to this opinion, there are no preconditions which allow to state that similar regulations should be introduced on other markets.

   

  3. Nothing changes in our business and advertising strategy. As in previous years, we will focus on promoting the rest of our products from our offer, building awareness of the XTB brand and educational activities as well as building financial knowledge among our clients.

   

  4. We are consistently implementing our business strategy and expanding our product offerings in all markets of our activity. Through our platforms we offer the opportunity to invest in, among others, stocks, ETFs or Fractional Shares.

   

  5. We are constantly developing the offer for our clients. We are currently finalizing the work related to launch of a new product for a long-term, passive investment.

   

  At the same time, as XTB, we support all activities of local regulators, whose aim is to protect the rights and interests of investors. From our point of view, the new CNMV guidelines will strengthen our competitive position in the long term and will allow us to clear the local market of unfair practices that have negatively impacted the image of the entire industry.

• 2023.08.21
  Impact of recent CNMV regulations on XTB’s operations on the Spanish market
  Przeczytaj

  As XTB, we support all activities of local regulators aimed at protecting the rights and interests of investors. From our point of view, the changes in the CNMV (Comisión Nacional del Mercado de Valores) guidelines regarding the ban on advertising and any marketing activities related to CFDs (contract for difference) on the local market will help clean the local market of unfair practices that negatively affected the image of the entire industry.

   

  We have not conducted any significant advertising activities related to CFDs in Spain for almost two years, hence the impact of the new regulation on XTB’s operating activities is assessed as minor. In recent years, our marketing activities on this market have focused primarily on the promotion of the stock offer and educational activities. In connection with the CNMV guidelines, we have adapted our websites, social media activities, principles of cooperation with partners and payment methods offered to customers. All these changes have already been implemented.

   

  Since the introduction of the CNMV guidelines, we do not see any significant changes in terms of the pace of acquiring new customers in this region. In our opinion, in the long term, this regulation will contribute to further strengthening XTB’s market position in Spain, also because the product offer of our local competition is limited. Soon, customers from this region will be able to use our new – passive product. On the other hand, XTB’s marketing strategy on the Spanish market will not change significantly. At the beginning of 2024, we are planning a large advertising campaign related to our new concept of communication with clients.

• 2023.03.15
  XTB winner of the Listed Company of the Year 2022 ranking
  Przeczytaj

  XTB was the winner of the 24th edition of the “Listed Company of the Year 2022” ranking of the best companies listed on the Warsaw Stock Exchange, taking 3rd place in the main ranking.

   

  

   

  Listed Company of the Year is one of the oldest, most prestigious and comprehensive rankings, with a 24-year history. Every year, the company is selected by 100 stock exchange analysts, investment advisors and managers representing brokerage houses and offices, pension and investment funds.

   

  Experts assess which company has the most competent management board, achieved the most spectacular success in the previous year, can boast of the best quality of products and services in the stock exchange rate, has the best relations with investors and has the most interesting development prospects.

• 2022.03.01
  XTB supports Ukraine
  Przeczytaj

  The recent invasion of Ukraine touched us all deeply. The unjustified act of aggression has affected hundreds of thousands of civilians who need shelter, food, medicine and other support to survive this crisis. This tragedy has also affected our friends and colleagues at XTB.

  Faced with those worrying developments we could not stay indifferent. This is why we decided to donate 1 million PLN to two charity foundations helping Ukraine during this humanitarian crisis.

• 2021.12.22
  XTB adopts the ESG strategy
  Przeczytaj

  

  
  XTB has just adopted a detailed ESG strategy for sustainable development, which is one of the pillars of XTB’s business strategy. Its three main areas are environment, social responsibility and corporate governance.

  
  The ESG strategy also includes specific goals and tasks for the coming years. As a technology company XTB strives to digitize its processes as much as possible, and thus lower its carbon footprint and ultimately reach carbon neutrality. Additionally, in the area of caring for the natural environment XTB focuses on educating its employees and associates and promoting good practices.

  
  In the area of social responsibility, the company puts the strongest emphasis on economic education. XTB wants to provide everyone interested in the functioning of financial markets with an open access to knowledge on this subject. Therefore, it is constantly expanding the free base of educational materials, where one can find numerous articles, videos and comments on market insights. XTB’s social goal is also to create a working environment that is friendly to all employees respecting their values, ensuring equal treatment and their comprehensive development.

  
  In the third area – corporate governance – XTB wants to develop the position of one of the world’s largest Forex / CFD brokers, listed and supervised by regulatory bodies on financial markets where the company is present: FCA, BaFin, ACPR, CySEC, IFSC. The company also puts emphasis on clear and transparent communication with all its stakeholders, especially regarding long-term goals and planned activities. All initiatives in the area of social responsibility are carried out by the XTB Capital Group and the XTB Foundation, which was established in 2020.

  
  The implementation of the adopted ESG Strategy will be monitored and reported on an ongoing basis. The implementation of the ESG Strategy and initiatives in this area is coordinated by the ESG Manager who is directly reporting to the Management Board of XTB in the structure of the organization. For the detailed information on XTB’s sustainable development strategy visit ir.xtb.com website – tab ESG.

• 2021.10.20
  XTB joined the group of Signatories of the Diversity Charter
  Przeczytaj

  
  On October 20, 2021, XTB joined the group of Signatories of the Diversity Charter, thus taking another step towards social cohesion and equality.

  
  The Diversity Charter is a written commitment which is signed by organizations that oblige themselves to the introduction of equal treatment policy and diversity management, as well as active prevention of discrimination and mobbing in the workplace.

  
  By signing the Diversity Charter, a company commits to non-discrimination in the workplace and to introducing policies that create and promote diversity. In Poland, the Charter is coordinated exclusively by Responsible Business Forum and held under the auspices of the Commissioner for Human Rights.

  
  Over 12 thousand signatories in 26 European countries so far, and over 300 signatories in Poland. The Diversity Charter is an international initiative promoted by the European Commission. Thousands of companies, organizations and institutions have signed the Charter in 26 countries of the European Union. The work on the implementation of the Charter is pending in other European countries.

  

• 2021.08.11
  XTB AFRICA (PTY) LTD licensed to operate in South Africa
  Przeczytaj

  The Management Board of XTB informs that, to the best knowledge of the Company, on August 10, 2021, XTB AFRICA (PTY) LTD received a license from the FSCA (Financial Sector Conduct Authority) to operate in South Africa.

  Obtaining a license in South Africa is another step in the international geographical expansion of XTB as part of our development strategy, leading to building a global brand.