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.
Employees16,367IPOOct 25, 2018HQ18 Forum Lane, Camana Bay, Block 12D Parcel 33 and 95, P.O. Box 10240, Grand Cayman, CYM, KY1-1002
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Financials
Profitability
Metric
Current
Margins
Gross Margin
72.0%
Operating Margin
49.7%
EBITDA Margin
45.9%
Net Margin
24.4%
OCF Margin
34.6%
FCF Margin
26.6%
Returns on Capital
ROE
30.7%
ROA
5.8%
ROIC
22.4%
ROCE
26.7%
ROC (Greenblatt)
43.7%
3Y ROIIC
14.2%
Consistency
Years Profitable / 10Y
5
Valuation
Metric
Current
Earnings Multiples
P/E (TTM)
4.23
Forward P/E
5.32
P/E ex-NRI
4.23
Shiller P/E (CAPE)
53.68
Cash Flow Multiples
P/FCF
4.01
P/OCF
3.12
P/Owner Earnings
—
FCF Yield
26.75%
Enterprise Value Multiples
EV / EBIT
3.99
EV / Forward EBIT
4.21
EV / EBITDA
3.39
EV / Forward EBITDA
3.74
EV / Revenue
1.56
EV / Forward Revenue
2.19
Asset / Sales
P/S
1.06
P/B
1.49
P/Tangible Book
1.91
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
7.30%
5Y Share Change
−7.1%
Combined
Shareholder Yield
−13.61%
Balance Sheet
Metric
Current
Leverage
Debt / Equity
1.81
Gross Debt / EBITDA
2.64
Cash / Debt
0.60
Equity / Assets
0.16
Coverage
Interest Coverage
2.42
Short-Term Liquidity
Current Ratio
1.26
Quick Ratio
1.26
Cash Ratio
0.24
Composite Scores
Piotroski F-Score
7
Altman Z-Score
0.99
Split History
Date
Split
No split 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
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5-Step DuPont Analysis
ROE %
33.22%
×
×
Net Margin %
24.38%
×
×
Operating Margin %
49.75%
Operating Income
$1.30B
÷
Revenue
$2.62B
×
Tax Burden
1.3074
Net Income
$638M
÷
Pretax Income
$488M
×
Interest Burden
0.3748
Pretax Income
$488M
÷
Operating Income
$1.30B
×
Asset Turnover
0.25
÷
Revenue
$2.62B
÷
Average Total Assets
$10.62B
Begin Total Assets
$9.95B
End Total Assets
$11.29B
×
Equity Multiplier
5.53
÷
Avg Total Assets
$10.62B
÷
Avg Stockholders Equity
$1.92B
Begin Equity
$2.09B
End Equity
$1.75B
Top institutional holders
Q2 2026| Holder | Shares | % Owned | Chg. shares | |
|---|---|---|---|---|
| BlackRock, Inc. | 36.3M | 14.59% | +577.2K | $393.70M |
| MADRONE ADVISORS, LLC | 25.3M | 10.18% | 0 | $274.68M |
| STATE STREET CORP | 7.7M | 3.10% | -27.3K | $83.77M |
| GEODE CAPITAL MANAGEMENT, LLC | 5.1M | 2.03% | +196.1K | $70.38M |
| UBS Group AG | 5.0M | 1.99% | +2.0M | $53.74M |
| Point72 Asset Management, L.P. | 4.7M | 1.90% | -493.9K | $51.36M |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 3.8M | 1.54% | +280.5K | $41.54M |
| SQUADRA INVESTMENTS - GESTAO DE RECURSOS LTDA. | 3.7M | 1.51% | -2.9M | $40.62M |
| Polunin Capital Partners Ltd | 3.5M | 1.41% | +154.1K | — |
| SPX Gestao de Recursos Ltda | 3.0M | 1.21% | -4.7M | $32.56M |
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View allTop insider holdings
as reported| Insider | Shares held | % Owned | |
|---|---|---|---|
| Schwening Mateus SchererOfficer | 1.0M | 0.4083% | $11.46M |
| de Oliveira Bassili SandroOfficer | 922.6K | 0.3707% | $10.41M |
| Zinner PedroDirector | 364.8K | 0.1466% | $4.11M |
| Ventura Salgado DiegoOfficer | 290.7K | 0.1168% | $3.28M |
| Ilg Thomas GregorOfficer | 241.6K | 0.0970% | $2.72M |
| Vieira Kapitanovas FabioOfficer | 130.3K | 0.0523% | $1.47M |
| Malamud TatianaOfficer | 108.4K | 0.0435% | $1.22M |
| Renteria Raul POfficer | 76.6K | 0.0308% | $864.5K |
| Luchetti Mauricio LuisDirector | 51.8K | 0.0208% | $584.7K |
| Morais Silvio JoseDirector | — | — | — |
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View allRecent insider activity
through Oct 8, 2026| Insider | Action | Shares | Date | |
|---|---|---|---|---|
| Vieira Kapitanovas FabioOfficer | Tax Withholding | -6.9K | $0 | Oct 8, 2026 |
| Ilg Thomas GregorOfficer | Grant/Award (Rule 16b-3(d)) | +18.3K | $0 | Oct 6, 2026 |
| Morais Silvio JoseDirector | Open-Market or Private Sale | -21.0K | $208.1K | Sep 2, 2026 |
| Morais Silvio JoseDirector | Open-Market or Private Sale | -9.0K | $101.6K | Jun 12, 2026 |
| Ventura Salgado DiegoOfficer | Open-Market or Private Purchase | +11.6K | $112.1K | May 15, 2026 |
| Ventura Salgado DiegoOfficer | Open-Market or Private Purchase | +10.9K | $105.1K | May 15, 2026 |
| Kopel MarceloDirector | Grant/Award (Rule 16b-3(d)) | +4.3K | $0 | May 7, 2026 |
| Morais Silvio JoseDirector | Grant/Award (Rule 16b-3(d)) | +6.8K | $0 | May 7, 2026 |
| Scheinkman Jose AlexandreDirector | Grant/Award (Rule 16b-3(d)) | +2.7K | $0 | May 7, 2026 |
| Vieira Kapitanovas FabioOfficer | Grant/Award (Rule 16b-3(d)) | +25.1K | $0 | May 7, 2026 |
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