StoneCo Ltd. (STNE)
POSITIVEFundamental
81
Price
$9.68
Market Cap
$2.22B
Part 1 · What the company is worth
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.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$13.80B
Trailing 12 months (through 3/31/2026)
Net Income
$3.52B
Trailing 12 months (through 3/31/2026)
Free Cash Flow
$7.08B
Total Equity
$2.14B
Total Liabilities
$16.96B
Current Ratio
1.26
Interest Coverage
-
Debt/EBITDA
2.49
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$331.20
Current Price
$9.68
Margin of Safety
+97.1%
Fair Value Range
$215.28 - $447.12
Estimation Methods
Valuation Metrics
P/E Ratio
3.66
ROE
34.0%
P/B Ratio
0.97
P/FCF
0.29
Gross Margin
71.6%
ROIC
22.2%
Profitability Radar
Value Creation (Economic Moat)
ROIC
22.2%
WACC
1.7%
ROIC − WACC
+20.6 pp
ROIC exceeds the cost of capital — the company is creating value for shareholders.
Fundamental Analysis Criteria
Passed (15)
- ROIC 22.2%
- Gross Margin 71.6%
- P/FCF 0.29
- P/B Ratio 0.97
- Positive Free Cash Flow
- Current Ratio
- Debt/EBITDA
- DCF valuation (Undervalued)
- ROE 30.2%
- Revenue Growth 5Y 33.7%
- Analyst Consensus 64% Buy
- Earnings Surprise avg 3.1%
- PEG Ratio 0.15
- Earnings Quality (OCF/NI) 2.03
- Net Margin Trend 16.4% vs -11.4%
Failed (4)
- Price CAGR -8.13%
- Debt/Equity ratio
- CapEx intensity
- Piotroski F-Score 2/9
Unavailable (8)
- EPS data insufficient
- Dividend Payout NaN%
- Operating Margin NaN%
- Interest Coverage
- Return on Tangible Assets
- Low reliance on intangibles
- Price below Graham Number
- Share Dilution (missing shares data)
Piotroski F-Score
Serious financial concerns
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Mateus Scherer Schwening | Chief Executive Officer | 29 |
| Mr. Diego Ventura Salgado | CFO & Investor Relations Officer | 40 |
| Mr. Sandro de Oliveira Bassili | Chief Operating Officer | 55 |
| Mr. Raul Pierre Renteria | Chief Technology Officer | 51 |
| Ms. Roberta Noronha | Head of Investor Relations | 52 |
| Ms. Tatiana Malamud | Chief Legal & Compliance Officer | 54 |
| Mr. Fabio Vieira Kapitanovas | Chief People Officer | 47 |
| Mr. Natan Gorin | Head of Operations - Technology Platform | - |
| Mr. Thomas Gregor Ilg | Chief Risk Officer | 57 |
| Mr. Joao Misko | Payments Platform Executive | - |
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for STNE, sourced from Markets Gazette.
- 3/12/2026POSITIVEFintech Stock Up 52% as Investor Trims $5 Million From This Brazilian Payments Leader
StoneCo Ltd. has seen its stock surge by 52%, driven by significant investor interest and a substantial reduction in its market capitalization by $5 million. The Brazilian fintech company, which provides financial technology and payment solutions to over 4.8 million clients, is a key player in Brazil's expanding commerce sector. This remarkable stock performance indicates strong market confidence in StoneCo's business model and its growth prospects within the dynamic Brazilian market. Investors are likely reacting positively to recent developments, potentially including improved financial metrics or strategic partnerships, signaling a robust outlook for the company.
- 3/3/2026NEGATIVEWhy Did StoneCo Stock Crash Today?
StoneCo (STNE) shares experienced a significant downturn today, despite appearing to be undervalued by traditional metrics. Investors are actively divesting their positions, indicating a profound lack of confidence that transcends current valuation figures. This widespread selling pressure suggests the market may be pricing in future risks or underlying issues not immediately apparent in the company's current financials. For investors, StoneCo's situation presents a classic dilemma: is a low price an opportunity or a warning sign of further troubles? The prevailing selling trend suggests that, for now, the latter interpretation holds sway, with the market prioritizing caution in the face of perceived uncertainties, irrespective of apparent intrinsic value.
- 3/2/2026NEUTRALStoneCo (STNE) Q4 2025 Earnings Call Transcript
StoneCo Ltd. has announced the availability of the transcript from its Q4 2025 earnings conference call. While this signals a routine corporate event, the actual content of the transcript was not made available at the time of the announcement. Investors eagerly await such documents, as they provide crucial details on the company's financial performance, future outlook, and management strategies. The absence of the content prevents an in-depth analysis of the quarterly results, leaving the market in anticipation of concrete information that could influence valuations and investment decisions. The release of the transcript is a key step for transparency and understanding company dynamics.
- 2/25/2026NEGATIVESQUADRA Dumps 1.78 Million StoneCo Shares Worth $29.8 Million
Investment firm SQUADRA has offloaded a substantial stake in StoneCo Ltd., dumping 1.78 million shares valued at $29.8 million. This move by an institutional player could signal a decrease in confidence in the Brazilian payment and digital commerce solutions provider. StoneCo, which serves over 1.7 million businesses across Brazil’s fintech landscape, may face downward pressure on its stock price following this significant sell-off. Investors should closely monitor the implications of this divestment, as such decisive action by a fund can often precede or reflect a less optimistic view on the company's future prospects or its current valuation. The news suggests potential weakness in market sentiment towards the stock.
via Markets Gazette