StoneCo Ltd (STNE) is a Brazilian fintech company that sells payment processing and financial services to small and mid-sized businesses (SMBs). It also offers business management software including point-of-sale systems, ERP, CRM, and e-commerce tools.
How it makes money: Primarily through transaction fees on card payments, plus fees for digital banking, credit products, and insurance. The software segment adds subscription-based revenue but is a smaller portion of the total.
Customers: Small and medium-sized merchants across Brazil, served through a local distribution network with on-site customer support.
Employees16,793IPOSep 14, 2020HQ18 Forum Lane, Camana Bay, Block 12D Parcel 33 and 95, P.O. Box 10240, Grand Cayman, CYM, KY1-1002
to
Financials
Profitability
Metric
Current
Margins
Gross Margin
73.3%
Operating Margin
48.3%
EBITDA Margin
16.0%
Net Margin
−5.9%
OCF Margin
−2.6%
FCF Margin
−10.9%
Returns on Capital
ROE
−6.8%
ROA
−1.5%
ROIC
25.4%
ROCE
5.9%
ROC (Greenblatt)
13.5%
3Y ROIIC
155.3%
Consistency
Years Profitable / 10Y
4
Valuation
Metric
Current
Earnings Multiples
P/E (TTM)
—
Forward P/E
6.76
P/E ex-NRI
16.31
Shiller P/E (CAPE)
—
Cash Flow Multiples
P/FCF
—
P/OCF
—
P/Owner Earnings
—
FCF Yield
−8.12%
Enterprise Value Multiples
EV / EBIT
23.02
EV / Forward EBIT
3.51
EV / EBITDA
13.00
EV / Forward EBITDA
3.12
EV / Revenue
2.07
EV / Forward Revenue
1.83
Asset / Sales
P/S
1.52
P/B
1.64
P/Tangible Book
1.97
Growth-Adjusted
PEG
—
Capital Returns
Metric
Current
Dividends
Dividend Yield (TTM)
0.00%
Forward Dividend Yield
0.00%
3Y Dividend Growth
0.0%
Payout Ratio
0.00
5Y Yield on Cost
0.00%
Buybacks & Dilution
3Y Buyback Ratio
2.50%
5Y Share Change
−7.1%
Combined
Shareholder Yield
−14.89%
Balance Sheet
Metric
Current
Leverage
Debt / Equity
1.38
Gross Debt / EBITDA
7.41
Cash / Debt
0.47
Equity / Assets
0.20
Coverage
Interest Coverage
4.06
Short-Term Liquidity
Current Ratio
1.43
Quick Ratio
1.43
Cash Ratio
0.20
Composite Scores
Piotroski F-Score
4
Altman Z-Score
0.90
Split History
Date
Split
No split history found.
Ex-date
Amount
Pay date
No dividend history found.
Date
Transcript
Type
2026-08-13
Q2 2026 StoneCo Ltd Earnings Call Transcript
Earnings Call
2026-05-14
Q1 2026 StoneCo Ltd Earnings Call Transcript
Earnings Call
2026-03-02
Q4 2025 StoneCo Ltd Earnings Call Transcript
Earnings Call
2025-11-06
Q3 2025 StoneCo Ltd Earnings Call Transcript
Earnings Call
2025-08-07
Q2 2025 StoneCo Ltd Earnings Call Transcript
Earnings Call
2025-05-08
Q1 2025 StoneCo Ltd Earnings Call Transcript
Earnings Call
2025-03-18
Q4 2024 StoneCo Ltd Earnings Call Transcript
Earnings Call
2024-11-12
Q3 2024 StoneCo Ltd Earnings Call Transcript
Earnings Call
2024-08-14
Q2 2024 StoneCo Ltd Earnings Call Transcript
Earnings Call
2024-05-13
Q1 2024 StoneCo Ltd Earnings Call Transcript
Earnings Call
10 of 32
5-Step DuPont Analysis
ROE %
21.39%
×
×
Net Margin %
17.02%
×
×
Operating Margin %
50.99%
Operating Income
$1.26B
÷
Revenue
$2.48B
×
Tax Burden
0.8323
Net Income
$422M
÷
Pretax Income
$507M
×
Interest Burden
0.4011
Pretax Income
$507M
÷
Operating Income
$1.26B
×
Asset Turnover
0.24
÷
Revenue
$2.48B
÷
Average Total Assets
$10.20B
Begin Total Assets
$8.98B
End Total Assets
$11.42B
×
Equity Multiplier
5.17
÷
Avg Total Assets
$10.20B
÷
Avg Stockholders Equity
$1.97B
Begin Equity
$1.93B
End Equity
$2.02B