StoneCo Ltd (STNE)
🔔 Watch stock
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The business works in principle, but one material question is open. As long as it stays open, our findings do not carry a quality verdict.
Amber stands for a healthy business with an unclear measurement. On the friendly side are three years of rising revenue and profit, adjusted net cash of R$4,939.1 million as of March 31, 2026, a return on equity of 18.6 percent in the first quarter of 2026 and capital returns that reached R$3.0 billion through buybacks in 2025 alone. Against a green rating stand facts that are equally documented: free cash flow for fiscal 2025 was negative, loans more than 90 days past due rose from 4.57 percent to 6.98 percent within twelve months, the cost of risk doubled to 21.9 percent, and adjusted gross margin fell from 44.4 percent to 41.6 percent. A red rating has no basis at all: there is no going-concern paragraph, no negative equity, no broken covenant. The decision is yours.
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On July 27, 2026, StoneCo sat at No. 20 in the U.S. selection of our in-house P/FCF ranking. The value shown is 1.1 — and it comes from a division whose numerator is in U.S. dollars and whose denominator is in Brazilian reais. We put both sides into the same currency, open the cash flow statement in the annual report and trace which lines that cash inflow actually comes from. What remains is still a low number — and a question no ranking answers.
Read the analysis
Stock Watch
This analysis is as of July 26, 2026. Stock Watch will tell you what's changed at STNE since then.
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Appears in These Scanners
This stock currently matches 3 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 11.40 $ — 18% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
Uses AIStoneCo bezeichnet sich im Jahresbericht 20-F für 2025 ausdrücklich als „AI-first company“ und setzt generative KI in Kundendienst, Vertrieb, Betrugserkennung und Kreditprüfung ein; ein eigenes „AI Gateway“ steuert Modellnutzung und Kosten.
View the full file — quotes, sources, reviewed filings
„An important evolution of this process has been our focus on becoming an AI-first company, centered on three key pillars: productivity, product embedding and growth metrics."
Eine wichtige Entwicklung dieses Prozesses war unser Fokus darauf, ein KI-zuerst-Unternehmen zu werden — mit drei Säulen: Produktivität, Einbettung in die Produkte und Wachstumskennzahlen.
„Generative AI now supports a substantial portion of our Customer Service operations and parts of the end-to-end journey in digital sales for lower-tier segments."
Generative KI unterstützt inzwischen einen erheblichen Teil unseres Kundendienstes sowie Teile der gesamten Strecke im digitalen Vertrieb für kleinere Kundensegmente.
„To support scalability and governance, we developed our own AI Gateway as a central broker for model management and cost control."
Um Skalierbarkeit und Steuerung zu sichern, haben wir ein eigenes KI-Gateway als zentrale Vermittlungsstelle für Modellverwaltung und Kostenkontrolle entwickelt.
„Because we heavily rely on statistical and artificial intelligence methods in our risk management, we are dependent on data and models."
Da wir in unserem Risikomanagement stark auf statistische und Verfahren der künstlichen Intelligenz setzen, sind wir von Daten und Modellen abhängig.
Filings Reviewed: 20-F 2026-04-23 · 6-K 2026-05-14 · 6-K 2026-05-14 · 6-K 2026-04-14 · 6-K 2026-02-27 · 6-K 2025-12-22 · 20-F 2025-04-24
Rated on July 27, 2026 · How the Rating Is Built
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 40.4% above the current price.
- Consensus
- Strong Sell
- Analyst Ratings
- 14
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 10.32 | 8.89 – 11.03 | 14,963 | 8.2% | 9 |
| 12/31/2027 | 12.18 | 10.18 – 14.27 | 15,789 | 18.0% | 9 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.46 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.
· Total · per year
These companies report in different currencies — switch on “Indexed” or pick a margin for a fair comparison.
The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | -9.98 | -587.90 | 3,491 | 12.70 | -83.70 | -301 | -507 |
| 2025: Q1 | 1.81 | 52.80 | 3,180 | 20.20 | 16.30 | 624 | 337 |
| 2025: Q2 | 2.19 | 38.10 | 3,286 | 17.50 | 18.30 | 388 | 69 |
| 2025: Q3 | 2.43 | 36.70 | 3,567 | 11.00 | 18.50 | -1,046 | -1,319 |
| 2025: Q4 | 1.83 | – | 3,540 | 1.40 | 14.10 | 721 | 553 |
| 2026: Q1 | 6.73 | 272.80 | 3,578 | 12.50 | 47.70 | 3,281 | 3,100 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 423 | 134 | -120 | -0.58 | -493 | 529 | 3,839 |
| 2017 | 741 | 251 | -109 | -0.39 | -1,284 | 467 | 6,636 |
| 2018 | 1,530 | 703 | 301 | 1.09 | -2,416 | 5,093 | 13,293 |
| 2019 | 2,390 | 1,316 | 803 | 2.90 | -2,652 | 1,485 | 4,874 |
| 2020 | 3,167 | 1,378 | 854 | 2.91 | 56 | 14,853 | 31,749 |
| 2021 | 4,576 | 924 | -1,359 | -4.40 | 3,607 | 13,536 | 42,097 |
| 2022 | 9,016 | 3,501 | -519 | -1.67 | 1,684 | 12,894 | 42,245 |
| 2023 | 11,364 | 5,243 | 1,592 | 4.99 | 1,648 | 14,622 | 48,694 |
| 2024 | 12,739 | 5,881 | -1,515 | -5.02 | -3,621 | 11,776 | 54,813 |
| 2025 | 14,154 | 7,272 | 2,323 | 8.49 | 663 | 11,782 | 62,266 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
Assessment: Opportunities & Risks
Revenue from continuing operations rose from R$10,761.2 million (2023) through R$12,049.6 million (2024) to R$14,153.8 million (2025), and net income from R$1,554.6 million to R$2,377.1 million. Total payment volume grew from R$438.3 billion to R$560.9 billion over the same period. Three consecutive years of rising revenue and rising profit are on the record (Form 20-F for 2025, Item 3.A).
No. 20 in the U.S. selection of our in-house P/FCF ranking at a value of 1.1, measured ourselves on July 27, 2026 (544 hits in the English list, 25 rows shown, list computed July 26, 2026). The arithmetic is correct, but it measures a dollar market value against a real-denominated cash flow. In a single currency the ratio is roughly 5.4 — still low, but a different finding.
In fiscal 2025, R$676.6 million of operating cash inflow faced R$1,188.6 million of capital expenditure; nothing was left free. In 2024 operating cash flow was clearly negative at minus R$3,621.4 million. The positive trailing twelve-month figure comes almost entirely from the first quarter of 2026, in which the accounts receivable from card issuers line alone released R$3,901.1 million (Form 20-F; Form 6-K of May 14, 2026).
The credit book grew 122.5 percent within twelve months to R$3,224.9 million as of March 31, 2026. Over the same period loans more than 90 days past due rose from 4.57 percent to 6.98 percent, loans 15 to 90 days past due from 2.61 percent to 4.97 percent, and the cost of risk from 10.2 percent to 21.9 percent. Management itself cites "early signs of weaker performance in newer vintages" (Form 6-K of May 14, 2026).
R$3.0 billion of shares were repurchased in 2025 and the share count fell by 40.3 million; over the twelve months to March 31, 2026 the figures were R$2.7 billion and 32.4 million shares. On top came an extraordinary dividend of $2.53 per share on May 4, 2026 (about R$3.08 billion). Measured against a market value of roughly $2.6 billion that is an unusually high payout rate (Form 20-F Item 16E; Form 6-K of April 14, 2026).
Brazil's SELIC policy rate peaked at 15.0 percent on June 18, 2025 and stood at 14.75 percent at the date of the annual report (April 23, 2026). High rates lift financial income, which at R$10,017.3 million was the largest revenue block in 2025, but they also raise funding costs and squeeze merchants. The real depreciated 21.8 percent in 2024 and appreciated 12.5 percent in 2025 (Form 20-F for 2025).
StoneCo is not a balance sheet problem, it is a measurement problem. The business grows, earns money and returns a lot of capital: R$14,153.8 million of revenue and R$2,377.1 million of profit from continuing operations in 2025, plus R$3.0 billion of buybacks and a $2.53 per share extraordinary dividend in May 2026. The ratio that lifts the stock to No. 20 in the P/FCF ranking, by contrast, is built from two currencies and one quarter: in a single currency it is roughly 5.4, and full-year 2025 free cash flow was negative. Anyone looking here should watch the delinquency rate of the young credit book rather than the ranking. Not investment advice.
- Hook: in-house stock scanner, P/FCF ranking, U.S. selection No. 20 at a value of 1.1 — measured live on July 27, 2026, list computed July 26, 2026. The English list counted 544 hits and shows 25 rows. The lists are recomputed daily; the position is a snapshot, not a permanent state.
- Data as of: business figures from the Form 20-F for 2025 (filed April 23, 2026) and from the Form 6-K interim report for the quarter ended March 31, 2026 (filed May 14, 2026). Price and valuation data as of July 24, 2026. All business figures are in Brazilian reais, all price figures in U.S. dollars; nothing is converted except where explicitly stated.
- Do not confuse: StoneX Group Inc. (NASDAQ: SNEX) is a U.S. commodities and FX broker with no connection to StoneCo — the two sat five rows apart in the same ranking on July 27, 2026. Nor is this the former name of the same CIK, DLP Payments Holdings Ltd. (until August 29, 2018).
- Takeover check: there is no tender offer, no take-private and no merger agreement involving StoneCo. The live M&A event is a sale by StoneCo — Linx to TOTVS, closed February 27, 2026.
About the Company
StoneCo Ltd. bietet Finanztechnologie- und Softwarelösungen für Händler und integrierte Partner zur Abwicklung von E-Commerce über stationäre, Online- und mobile Kanäle in Brasilien an.
| Headquarters | George Town, Cayman Islands |
|---|---|
| Address | Harbour Place, KY1-1002 George Town, Cayman Islands |
| Phone | 55 11 3004 9680 |
| Website | stoneco.com.br |
| IPO Date | 25. Oct 2018 |
| ISIN | KYG851581069 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Mateus Scherer Schwening | Chief Executive Officer | 1996 |
| Diego Ventura Salgado | CFO & Investor Relations Officer | 1985 |
| Sandro de Oliveira Bassili | Chief Operating Officer | 1970 |
| Raul Pierre Renteria | Chief Technology Officer | 1974 |
| Roberta Noronha | Head of Investor Relations | 1973 |
| Tatiana Malamud | Chief Legal & Compliance Officer | 1971 |
| Fabio Vieira Kapitanovas | Chief People Officer | 1978 |
| Natan Gorin | Head of Operations - Technology Platform | – |
| Thomas Gregor Ilg | Chief Risk Officer | 1968 |
| Joao Misko | Payments Platform Executive | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.