StoneCo Ltd. STNE R2KR3KTECH
Company Overview
StoneCo Ltd. provides financial technology and software solutions to merchants and integrated partners to conduct electronic commerce across in-store, online, and mobile channels in Brazil. The company provides financial services, including payment, prepayment, digital banking, and credit solutions. It offers payment solutions of electronic payments and alternative payment methods, such as payment slips and Pix transactions; digital product to help merchants improve their consumers' experience, which include split-payment processing, multi-payment processing, and recurring payments for subscriptions; and tap on phone solution. In addition, the company provides prepayment; digital banking; and credit solution. The company serves online, offline, and omni-channel sales clients under Stone, tonstone, and paggar.me. StoneCo Ltd. was founded in 2012 and is based in George Town, the Cayman Islands.
Why Investors Should Care
Generates a return on equity of 30.7%, reflecting efficient use of shareholder capital.
Return on capital employed stands at 33.0%.
Revenue has grown at a 14.1% CAGR over the past five years.
Trades at a P/E of 3.8, below the sector median of 32.4.
Maintains a net profit margin of 25.9%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $13.40B (+16.0% YoY); net profit $2.32B.
- Trailing 12 Months Year-on-year growth — revenue +4.3%, earnings +273.8%.
- 5-Year Trend Long-term compounding — revenue CAGR 14.1%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 14.12% |
| 1 Year: | 4.30% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | 273.80% |
Stock Price Performance
| 1 Year: | -22.05% |
| 6 Months: | -10.80% |
| 3 Months: | -2.79% |
| 1 Month: | -8.75% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)50.51 · Neutral
P/E of 3.76 is below the sector median of 32.42 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 30.7%.
- Healthy ROCE of 33.0%.
- Excellent profit margin of 25.9%.
- Compounding revenue at 14.1% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 37.1% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Technology).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | STNE StoneCo Ltd. R2KR3KTECH | 10.11 | 3.76 | $2.32B | 0.00% | 33.02% | 30.70% | 14.12% | - |
| 2 | NVDA NVIDIA Corporation NDXSPXR3KAITECH | 230.36 | 35.28 | $5.58T | 0.46% | 74.66% | 114.29% | 24.64% | 32.12% |
| 3 | AAPL Apple Inc. NDXSPXR3KTECH | 319.97 | 36.69 | $4.67T | 0.35% | 68.72% | 148.75% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXR3KAITECH | 499.70 | 27.85 | $3.71T | 0.73% | 26.33% | 34.04% | 9.93% | 11.90% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AITECH | 426.34 | 37.46 | $2.21T | 0.91% | 30.20% | 39.97% | 18.94% | 19.57% |
| 6 | AVGO Broadcom Inc. NDXSPXR3KAITECH | 357.90 | 59.55 | $1.70T | 0.62% | 16.70% | 37.28% | 17.04% | 54.08% |
| 7 | MU Micron Technology, Inc. NDXSPXR3KAITECH | 1,016.59 | 22.97 | $1.15T | 0.06% | 13.69% | 66.64% | 13.68% | 26.02% |
| 8 | AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH | 477.57 | 122.14 | $779.62B | 0.00% | 5.47% | 10.20% | 11.81% | 66.28% |
| 9 | ASML ASML Holding N.V. NDXAITECH | 1,714.88 | 58.49 | $658.69B | 0.53% | 42.97% | 53.94% | 15.55% | 19.55% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Revenue | - | 3.36B | 3.29B | 3.39B | 3.54B | 3.58B |
| Cost of Revenue | - | 785.79M | 850.39M | 817.75M | 911.50M | 988.98M |
| Gross Profit | - | 2.58B | 2.44B | 2.58B | 2.63B | 2.59B |
| Operating Expenses | - | 735.14M | 756.11M | 760.89M | 817.29M | 753.61M |
| Operating Income | - | 1.84B | 1.68B | 1.82B | 1.81B | 1.84B |
| EBITDA | - | 1.97B | 1.41B | 1.58B | 1.45B | 1.97B |
| Interest Expense | - | 1.09B | 450.26M | 545.09M | 539.29M | 1.10B |
| Pretax Income | - | 628.04M | 691.30M | 800.86M | 669.62M | 627.02M |
| Tax Provision | - | 116.36M | 104.13M | 132.71M | 59.55M | -1.15B |
| Net Income | - | 514.46M | 602.98M | 706.77M | 499.96M | 1.71B |
| Diluted EPS | - | 1.80 | 2.17 | 2.60 | 2.95 | 6.73 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Revenue | 9.02B | 10.09B | 11.55B | 13.40B |
| Cost of Revenue | 2.67B | 2.37B | 2.83B | 3.37B |
| Gross Profit | 6.35B | 7.72B | 8.72B | 10.03B |
| Operating Expenses | 2.63B | 2.34B | 2.69B | 3.07B |
| Operating Income | 3.71B | 5.39B | 6.03B | 6.96B |
| EBITDA | 1.35B | 3.49B | 4.49B | 5.72B |
| Interest Expense | 933.69M | 699.53M | 1.05B | 1.92B |
| Pretax Income | -387.29M | 1.91B | 2.49B | 2.79B |
| Tax Provision | 139.11M | 354.99M | 464.94M | 412.76M |
| Net Income | -519.42M | 1.59B | -1.52B | 2.32B |
| Diluted EPS | -1.68 | 4.74 | -5.27 | 10.49 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 42.25B | 48.69B | 54.81B | 62.30B |
| Current Assets | - | 30.66B | 37.15B | 45.97B | 56.45B |
| Cash & Equivalents | - | 1.51B | 2.18B | 5.23B | 4.82B |
| Inventory | - | - | - | - | - |
| Receivables | - | 21.26B | 24.47B | 29.62B | 41.50B |
| Total Liabilities | - | 29.30B | 34.02B | 42.99B | 51.26B |
| Current Liabilities | - | 25.17B | 28.83B | 33.53B | 41.20B |
| Long Term Debt | - | 2.58B | 3.50B | 7.73B | 8.80B |
| Total Debt | - | 5.55B | 5.52B | 12.90B | 17.58B |
| Total Equity | - | 12.89B | 14.62B | 11.78B | 11.00B |
| Shares Outstanding | - | 312.87M | 314.25M | 314.25M | 314.25M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 1.68B | 1.65B | -3.62B | 676.57M |
| Investing Cash Flow | - | -1.87B | -845.44M | 1.59B | -1.76B |
| Financing Cash Flow | - | -2.81B | -148.80M | 5.04B | 930.58M |
| Capital Expenditure | - | -723.25M | -1.21B | -1.27B | -1.19B |
| Free Cash Flow | - | 960.44M | 437.41M | -4.89B | -511.99M |
| Net Change in Cash | - | -3.00B | 653.48M | 3.01B | -152.40M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Gross Margin % | 70.4% | 76.5% | 75.5% | 74.9% |
| Operating Margin % | 41.2% | 53.4% | 52.2% | 52.0% |
| Net Margin % | -5.8% | 15.8% | -13.1% | 17.3% |
| ROE % | -4.0% | 10.9% | -12.9% | 21.1% |
| ROCE % | 21.8% | 27.1% | 28.4% | 33.0% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 15.61% | 36.32M | $352.48M |
| 2 | Madrone Advisors, LLC | 10.89% | 25.34M | $245.92M |
| 3 | State Street Corporation | 3.32% | 7.73M | $75.00M |
| 4 | Geode Capital Management, LLC | 2.17% | 5.06M | $49.11M |
| 5 | UBS Group AG | 2.13% | 4.96M | $48.11M |
| 6 | Point72 Asset Management, L.P. | 2.04% | 4.74M | $45.99M |
| 7 | Vanguard Portfolio Management LLC | 1.65% | 3.83M | $37.19M |
| 8 | Squadra Investments - Gestao De Recursos Ltda | 1.61% | 3.75M | $36.37M |
| 9 | Polunin Capital Partners Ltd | 1.51% | 3.51M | $34.05M |
| 10 | SPX Gestao de Recursos Ltda | 1.29% | 3.00M | $29.15M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for STNE
StoneCo Ltd. (STNE) Stock Drops Despite Market Gains: Important Facts to Note - Yahoo Finance
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STONECO ($STNE) Releases Q2 2026 Earnings | STNE Stock News - quiverquant.com
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Investor who sold 9,000 StoneCo (NASDAQ: STNE) shares plans 21,000-share sale - Stock Titan
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Stoneco Stock: Buy or Sell? - The Motley Fool
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StoneCo (STNE) Stock Trades At A Discount On Earnings But Carries Profitability Risk - Yahoo Finance
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Is StoneCo (STNE) Stock Undervalued Right Now? - Yahoo Finance
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STNE — Frequently Asked Questions
What is the current share price of StoneCo Ltd. (STNE)?
As of 2026-09-07 16:24 PDT, StoneCo Ltd. (STNE) trades at $10.11 on NasdaqGS. Its 52-week range is $9.12 to $16.08.
What is the market capitalisation of STNE?
StoneCo Ltd. (STNE) has a market capitalisation of $2.32B on NasdaqGS.
What is the P/E ratio of STNE?
STNE trades at a trailing price-to-earnings (P/E) ratio of 3.76. The industry average P/E is 32.42. Its price-to-book (P/B) ratio is 1.07.
What is the return on equity (ROE) of STNE?
STNE has a return on equity (ROE) of 30.70%. Its return on capital employed (ROCE) is 33.02%.
Is STNE a good stock to buy?
This page provides a data-driven analysis of StoneCo Ltd. (STNE), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.