StoneCo Ltd.

StoneCo Ltd.

STNE
StoneCo Ltd.US flagNASDAQ Global Select
11.26
USD
+0.01
- -
2.74BMarket Cap
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.53
2.68
5.52
8.62
10.99
14.82
28.84
32.28
40.39
53.83
53.55
Basic EPS, GAAP
-0.43
-0.39
1.09
2.9
2.95
-4.4
-1.66
5.09
-5.3
9.32
13.65
Free Cash Flow per Basic Share
-1.94
-5.22
-9.38
-11
-1.38
7.47
3.07
1.4
-17.11
-2.06
8.58
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
-1.42
-1.82
-0.73
2.17
5.03
0.31
-1.35
3.74
-1.21
7.93
14.28
Tangible Book Value per Share
1.25
0.9
17.26
20.19
48.23
17.32
13.81
18.81
22.27
36.35
39.89
Basic Weighted Avg Shares
277
277
277
277
289
309
313
313
286
249
258
Sales/Revenue/Turnover
423
741
1,530
2,390
3,179
4,576
9,016
10,091
11,551
13,400
13,798
Operating Margin (%)
31.75
33.81
49.92
55.08
47.52
22.65
41.19
53.37
52.23
51.98
51.76
Depreciation Expense
43
57
92
163
256
507
800
878
949
1,003
982
Net Income, GAAP
-120
-109
301
803
854
-1,359
-519
1,592
-1,515
2,320
3,516
Effective Tax Rate (%)
- -
- -
31
26.26
25.74
- -
- -
18.59
18.71
14.8
40.53
Profit Margin (%)
-28.31
-14.67
19.69
33.61
26.86
-29.69
-5.76
15.78
-13.12
17.31
25.48
Working Capital
197
2,176
6,383
6,532
15,894
7,155
5,485
8,321
12,431
15,243
13,139
LT Debt
18
2,059
2,059
1,707
2,939
4,489
2,728
3,639
7,926
8,938
6,996
Total Equity
587
483
5,093
5,973
14,992
13,627
12,950
14,676
11,827
11,035
12,283
Return on Invested Capital (%)
- -
- -
9.96
9.36
6.61
- -
- -
22.22
21.38
21.68
22.25
Return on Capital (%)
- -
- -
23.88
21.3
14.95
- -
- -
36.11
-6.9
24.47
47.89
Return on Common Equity (%)
- -
- -
- -
- -
83.08
-175.17
- -
- -
- -
- -
182.75

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
7,632
8,644
8,852
LT Borrowings
8,524
8,796
6,996
LT Finance Leases
- -
142
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
262
249
243
Market Capitalization
27,880
21,579
18,930

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
52,923
56,447
52,380
Cash, Cash Equivalents & STI
7,526
7,797
11,092
Accounts Receivable, Net
38,748
41,498
38,089
Inventories
- -
- -
- -
Total Current Liabilities
37,118
41,204
39,242
Payables & Accruals
18,594
19,830
19,451
ST Debt
7,632
8,644
8,852
Deferred Revenue
9,018
11,091
10,089

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
-5.37%
-6.7%
Free Cash Flow
- -
-420.02%
-89.54%
Net Income, GAAP
- -
-235.13%
-253.09%
Sales/Revenue/Turnover
- -
36.67%
16%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,948
2,796
2,926
3,491
11,551
2025
3,361
3,286
3,394
3,540
13,400
2026
3,578
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.21
1.62
1.82
-9.98
-5.3
2025
1.84
2.24
2.67
2.01
9.32
2026
6.89
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

MCPAPIChat
CEO
Mateus Scherer Schwening
Full Time Employees
7,239
Sector
Technology
Industry
Software - Infrastructure
Address
Harbour Place George Town Brazil KY1-1002
IPO Date
Oct 25, 2018
Website
stone.co
Business
StoneCo Ltd. StoneCo Ltd. (STNE) provides financial technology solutions that enable merchants and integrated partners to conduct electronic commerce across in-store, online, and mobile channels primarily in Brazil. The company offers payment processing including point-of-sale (POS) terminals, Pix QR Code acceptance, and split-payment capabilities; digital banking services through Stone Account, Ton debit cards, and Super Ton Account featuring retail deposits; credit solutions such as working capital loans and Stone credit cards; prepayment and insurance products covering store, life, and health; and software solutions encompassing enterprise resource planning (ERP), customer relationship management (CRM), e-commerce platforms, order management systems, and engagement tools like recurring payments and one-click buy functionality. StoneCo Ltd. operates through proprietary and franchised Stone Hubs for hyper-local distribution, alongside direct sales teams targeting micro, small, and medium-sized businesses (MSMBs), marketplaces, e-commerce platforms, and integrated software vendors; it maintains over 400 hubs and serves more than 4.6 million active payment clients as of mid-2025. Founded in 2012 and headquartered in George Town, Cayman Islands, with primary operations in Brazil, the company adheres to a client-centric culture emphasizing transparency, innovation, and on-demand service via its Stone Business Model platform. In recent developments, StoneCo Ltd. divests a majority of its software segment, including Linx and related assets in retail, education, and healthcare verticals, to TOTVS for an enterprise value of R$3.05 billion plus R$360 million in net cash in July 2025 to streamline focus on core payments, banking, and credit operations; it raises 2025 guidance projecting over 14.5% gross profit growth and 32% earnings per share expansion amid aggressive share buybacks; and launches product enhancements like Pix integration in POS devices and NFC-based Tap Ton for mobile transactions while resuming credit offerings.

Company News

MCPAPIChat
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  • StoneCo Files Its Annual Report on Form 20-F for the Fiscal Year Ended December 31, 2025

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