StoneCo Ltd.
- Open
- 10.78
- Day high
- 11.29
- Day low
- 10.76
- Prev close
- 10.84
- Volume
- 1.9M
- Mkt cap
- $2.7B
- P/E (TTM)
- 4.2
- EPS (TTM)
- $2.63
- P/B
- 1.2
- P/S
- 1.0
- Yield
- 22.87%
- Per share
- $2.53
- ▲Insiders net buying $116K over the last 3 months (2 open-market buys, 1 sale)
- 🏛Institutions mixed (13F)
StoneCo Ltd. (STNE) is a Technology company listed on NASDAQ. The stock is down 33% over the past year. Over the trailing 3 months, insiders filed 2 open-market buys and 1 sale (SEC Form 4).
StoneCo Ltd. (STNE) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 4 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
STNE earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| May 14, 2026 | $0.42 | $0.42 | +0.0% | $688M | +1.9% |
| Nov 6, 2025 | $0.43 | $0.43 | +0.0% | $669M | -5.7% |
| Aug 7, 2025 | $0.36 | $0.39 | +8.3% | $605M | -12.9% |
| May 8, 2025 | $0.32 | $0.34 | +6.3% | $596M | -6.6% |
| Mar 18, 2025 | $0.32 | $0.39 | +21.9% | $563M | -2.8% |
| Aug 14, 2024 | $0.34 | $0.30 | -11.8% | $553M | -3.7% |
| Mar 18, 2024 | $0.32 | $0.36 | +12.5% | $630M | -10.4% |
| Nov 10, 2023 | $0.23 | $0.27 | +17.4% | $586M | -4.0% |
| Aug 16, 2023 | $0.17 | $0.19 | +11.8% | $571M | -5.4% |
| May 17, 2023 | $0.13 | $0.14 | +7.7% | $500M | -5.1% |
| Mar 14, 2023 | $0.11 | $0.14 | +27.3% | $481M | -5.6% |
| Nov 17, 2022 | $0.06 | $0.10 | +66.7% | $439M | -4.5% |
STNE insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 15, 2026 | Morais Silvio Josedirector | Sell | 9,000 | $11.29 |
| May 19, 2026 | Ventura Salgado Diegoofficer: CFO and IR Officer | Buy | 11,610 | $9.66 |
| May 19, 2026 | Ventura Salgado Diegoofficer: CFO and IR Officer | Buy | 10,880 | $9.66 |
| May 8, 2026 | Morais Silvio Josedirector | Grant | 6,785 | — |
| May 8, 2026 | Scheinkman Jose Alexandredirector | Grant | 2,726 | — |
| May 8, 2026 | Vieira Kapitanovas Fabioofficer: Chief People Officer | Grant | 25,082 | — |
| May 8, 2026 | Ventura Salgado Diegoofficer: CFO and IR Officer | Grant | 34,235 | — |
| May 8, 2026 | Malamud Tatianaofficer: Chief Legal and Compl. Officer | Grant | 18,403 | — |
| May 8, 2026 | Ilg Thomas Gregorofficer: Chief Risk Officer | Grant | 34,089 | — |
| May 8, 2026 | Schwening Mateus Schererofficer: Chief Executive Officer | Grant | 185,439 | — |
| May 8, 2026 | Luchetti Mauricio Luisdirector | Grant | 8,336 | — |
| May 8, 2026 | de Oliveira Bassili Sandroofficer: Operating Officer | Grant | 170,461 | — |
| May 8, 2026 | Renteria Raul Pofficer: Chief Technology Officer | Grant | 14,419 | — |
| May 8, 2026 | Fresco Gutierrez Diegodirector | Grant | 3,869 | — |
| May 8, 2026 | Silveira Antonio Carlosdirector | Grant | 2,159 | — |
Source: STNE SEC Form 4 filings, latest Jun 15, 2026. For informational purposes only — not investment advice.
See the full STNE insider & 13F page →StoneCo Ltd. company profile
Overview
StoneCo Ltd. (NASDAQ:STNE) is a Brazilian financial technology company founded in 2000 and headquartered in George Town, Cayman Islands. The company went public in October 2018 and operates as a subsidiary of HR Holdings, LLC. StoneCo has evolved from a traditional payment processor into a comprehensive financial services platform, primarily serving micro, small, and medium-sized businesses (MSMBs) across Brazil. The company has built its business around providing integrated payment processing, banking services, credit solutions, and software tools to help Brazilian merchants conduct electronic commerce across in-store, online, and mobile channels.
Business
StoneCo operates in Brazil's rapidly evolving fintech ecosystem, providing integrated financial technology solutions to merchants and business partners. The company operates two primary business segments that generated approximately R$2.1 billion in total revenue in 2024. The Financial Services segment represents the core of StoneCo's business, accounting for roughly 85% of total revenues. This segment encompasses payment processing services where StoneCo acts as an acquirer, processing credit and debit card transactions for merchants through point-of-sale terminals and digital channels. The company processes transactions through Brazil's payment infrastructure, collecting merchant discount rates (MDR) on each transaction. Beyond payments, this segment includes banking services such as digital accounts, deposits, and cash management solutions, as well as credit products including working capital loans, credit cards, and short-term financing solutions for business clients. The Software segment contributes approximately 15% of revenues and provides enterprise resource planning (ERP) systems, point-of-sale (POS) software, and integrated business management tools. This segment serves as both a standalone revenue generator and a strategic distribution channel for cross-selling financial services to software clients. The software solutions help brick-and-mortar businesses manage inventory, sales, and operations while seamlessly integrating with StoneCo's payment and banking infrastructure. StoneCo's integrated approach allows it to serve as a comprehensive business partner for Brazilian MSMBs, offering everything from basic payment acceptance to sophisticated financial management tools. The company distributes its solutions through proprietary Stone Hubs that provide localized sales and support, as well as through digital channels and partnership networks with software vendors and technology integrators.
Revenue model
StoneCo generates revenue through multiple interconnected business models centered around transaction-based fees and financial services monetization. The primary revenue driver is payment processing, where the company earns merchant discount rates (MDR) on each card transaction processed, typically ranging from 2.0% to 3.0% of transaction value. The company has achieved a blended take rate of approximately 2.55% across its MSMB client base as of 2024. Banking services contribute through account maintenance fees, interchange revenues from debit card usage, and float income from client deposits, which reached R$8.7 billion by the end of 2024. The company benefits from the spread between what it pays clients on deposits and what it earns by investing those funds. Credit products generate revenue through interest income and origination fees, with the credit portfolio reaching R$1.2 billion in 2024. Software subscriptions provide recurring monthly revenues from ERP and POS system licenses. StoneCo's customers are primarily Brazilian micro, small, and medium-sized businesses, with approximately 4.3 million active payment clients as of Q1 2025. The company also serves larger enterprise clients through its software division and provides services to digital marketplaces and e-commerce platforms. Several factors influence StoneCo's margins and profitability. Interest rate environments significantly impact both funding costs for credit products and the attractiveness of deposit products to clients. Regulatory changes in Brazil's payment ecosystem, particularly the implementation of PIX (Brazil's instant payment system) and open banking initiatives, affect competitive dynamics and pricing power. Competition from traditional banks and other fintech players can pressure take rates and client acquisition costs. Economic conditions in Brazil influence merchant transaction volumes, credit demand, and default rates. Technology investments and operational scale provide opportunities for margin expansion through improved efficiency and cross-selling capabilities.
Competitive moat
StoneCo's competitive moat is moderate and primarily built around its integrated platform approach and local market expertise in Brazil's complex financial services landscape. The company benefits from switching costs created by its comprehensive suite of integrated services - once merchants adopt StoneCo's payment processing, banking, and software solutions, migrating to competitors becomes operationally complex and costly. The company's network effects are developing but not yet dominant, as increased merchant adoption improves the value proposition for software vendors and vice versa. StoneCo's extensive physical presence through Stone Hubs provides distribution advantages in serving Brazil's MSMB market, which often requires localized support and relationship-based selling. However, StoneCo faces significant competitive pressures that limit its moat strength. Large incumbent banks like Itaú, Bradesco, and Banco do Brasil have vast resources and existing customer relationships that they can leverage to compete in payments and SMB banking. Other fintech competitors such as PagSeguro, Mercado Pago, and newer entrants continue to innovate and compete aggressively on pricing and features. The introduction of PIX instant payments has commoditized certain payment functions and reduced barriers to entry, while open banking regulations may further intensify competition by making it easier for clients to switch between financial service providers. StoneCo's software business provides some differentiation, but the ERP market is fragmented with numerous competitors offering similar solutions. The company's moat is best characterized as emerging rather than established, dependent on successful execution of its integrated platform strategy and ability to deepen client relationships through comprehensive service offerings. Without continued innovation and market share gains, competitive pressures could erode StoneCo's positioning over time.
Risks & safety
StoneCo presents a moderate margin of safety profile with mixed financial health indicators requiring careful monitoring. • Liquidity position: Cash and short-term investments of R$939 million as of Q1 2025, with current ratio of 1.39x indicating adequate short-term liquidity coverage • Debt levels: Debt-to-equity ratio of 1.18x reflects moderate leverage, though much of this represents client deposits rather than traditional debt obligations • Profitability trends: Positive adjusted net income of R$86 million in Q1 2025 following volatile 2024 performance that included significant one-time charges • Valuation metrics: Trading at 8.1x P/E ratio and 4.8x EV/EBITDA based on Q1 2025 results, suggesting reasonable valuation relative to earnings • Operational cash flow: Positive R$104 million in Q1 2025 but historically volatile due to working capital fluctuations from deposit flows • Credit risk exposure: Credit portfolio of R$1.4 billion with NPL rates of 3.61% appears manageable but requires monitoring given Brazil's economic volatility • Regulatory risks: Operating in Brazil's evolving fintech regulatory environment creates uncertainty around future compliance costs and competitive dynamics
Recent development
Over the past few years, StoneCo has undergone a significant strategic transformation from a pure-play payment processor to an integrated financial services platform. The company has pivoted toward profitability over pure growth, implementing extensive repricing across its client base and achieving record take rates of 2.55% in its MSMB segment. Banking expansion has been a major focus, with the company growing its banking client base to 3.1 million users and total deposits reaching R$8.7 billion by 2024. StoneCo launched various deposit products and implemented a cash-sweeping strategy to optimize funding costs and improve client engagement. The credit business represents a key growth initiative, with the portfolio expanding from R$309 million in 2023 to R$1.4 billion in Q1 2025. The company has developed diverse credit products including working capital loans, credit cards, and short-duration financing solutions, while maintaining disciplined underwriting standards. Software business optimization has involved exploring strategic alternatives, including entering an exclusivity agreement with Totvs for a potential asset sale. The company has focused on maximizing cross-selling opportunities between its software and financial services divisions while improving operational efficiency. Capital allocation discipline has become a priority, with StoneCo completing approximately R$1.6 billion in share repurchases and identifying R$3 billion in excess capital for potential return to shareholders. The company has also been actively managing its debt structure through bond tender offers and refinancing activities. Recent technological initiatives include advancing AI-driven operational improvements and enhancing the integrated platform experience to increase client stickiness and cross-selling opportunities across payment, banking, and software solutions.
STNE company profile · for informational purposes only — not investment advice.
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