StoneCo Ltd.

STNE

TechnologySmall CapUS Equities · NYSE / NASDAQ

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Company Profile

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.

Valuation

Market Cap$2.6B

Current Price$10.85

P/E Ratio6.27

P/B Ratio1.22

EV / EBITDA1.98

EV / Sales1.07

Profitability

Operating Margin-

Net Profit Margin17.3%

EBITDA Margin42.7%

Returns

ROE21.0%

ROCE-

ROIC %16.9%

ROA3.7%

Solvency

Current Ratio1.37

Debt / Equity1.59

Debt / Assets0.28

CFO / Net Profit0.29

Price History▼ 22.94% over 1Y

Technical Chart

Historical Performance Charts

5-year financial trends. Figures in USD millions.

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Latest fiscal year: 2025

Revenue$13.4B▲ 16.0%

EBITDA$5.7B

Net Profit$2.3B

Cash from Ops (CFO)$677M

Free Cash Flow (FCF)$-512M

Revenue CAGR 3Y-

Revenue CAGR 5Y-

Net Profit CAGR 3Y-

Net Profit CAGR 5Y-

Historical Growth

Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)

Year	Revenue	EBITDA	Net Profit	FCF	ROE	Rev Growth 1Y	NP Growth 1Y
2025	$13.4B	$5.7B	$2.3B	$-512M	21.0%	16.0%	-
2024	$11.6B	$4.5B	$-1.5B	$-4.9B	-12.8%	14.5%	-195.2%
2023	$10.1B	$3.5B	$1.6B	$437M	10.8%	11.9%	-
2022	$9.0B	$1.3B	$-519M	$960M	-4.0%	-	-

Financial Statements

Income statement, balance sheet, and cash flow as reported

Consolidated Figures in USD Millions.

Metric	2022	2023	2024	2025
Total Revenue	9,016.34	10,091.09	11,551.28	13,399.71
Cost Of Revenue	2,669.75	2,370.16	2,832.50	3,365.43
Gross Profit	6,346.59	7,720.93	8,718.77	10,034.27
Operating Expense	2,632.60	2,335.04	2,685.47	3,069.42
Operating Income	3,713.99	5,385.89	6,033.30	6,964.86
EBITDA	1,346.73	3,487.32	4,488.21	5,715.54
EBIT	546.40	2,609.14	3,538.81	4,712.70
Pretax Income	-387.29	1,909.61	2,485.56	2,789.82
Tax Provision	139.11	354.99	464.94	412.76
Net Income	-519.42	1,592.07	-1,515.22	2,319.70
Net Income Common Stockholders	-519.42	1,592.07	-1,515.22	2,319.70
Total Expenses	5,302.35	4,705.20	5,517.98	6,434.85
Interest Expense	933.69	699.53	1,053.25	1,922.88
Interest Income	572.60	670.06	498.34	754.13
Selling General And Administration	2,632.60	2,335.04	2,685.47	3,069.42
Normalized EBITDA	2,195.82	3,441.53	4,468.83	5,728.67
Normalized Income	40.99	1,509.17	1,996.75	2,368.77
Basic EPS	-1.68	5.09	-5.02	8.70
Diluted EPS	-1.68	4.74	-5.16	8.48
Tax Effect Of Unusual Items	-288.69	8.70	3.68	-1.97
Tax Rate For Calcs	0.34	0.19	0.19	0.15
Total Unusual Items	-849.10	45.80	19.38	-13.14
Total Unusual Items Excluding Goodwill	-849.10	45.80	19.38	-13.14
Net Income From Continuing Operation Net Minority Interest	-519.42	1,546.27	2,012.45	2,357.60
Reconciled Depreciation	800.33	878.18	949.39	1,002.84
Reconciled Cost Of Revenue	2,669.75	2,370.16	2,832.50	3,365.43
Net Interest Income	-2,946.10	-3,301.33	-3,181.28	-3,711.99
Net Income From Continuing And Discontinued Operation	-519.42	1,592.07	-1,515.22	2,319.70
Diluted Average Shares	312.64	319.27	301.70	273.49
Basic Average Shares	312.64	312.59	301.70	266.86
Diluted NI Availto Com Stockholders	-519.42	1,592.07	-1,515.22	2,319.70
Minority Interests	6.98	-8.36	-8.17	-19.46
Net Income Including Noncontrolling Interests	-526.40	1,600.42	-1,507.05	2,339.16
Net Income Discontinuous Operations	0	45.80	-3,527.67	-37.90
Net Income Continuous Operations	-526.40	1,554.62	2,020.62	2,377.06
Other Income Expense	-1,155.19	-174.94	-366.46	-463.05
Other Non Operating Income Expenses	-302.50	-217.07	-386.24	-447.45
Special Income Charges	0	0	-3,558.05	0
Impairment Of Capital Assets	0	0	3,558.05	0
Earnings From Equity Interest	-3.59	-3.67	0.40	-2.46
Gain On Sale Of Security	-849.10	45.80	19.38	-13.14
Net Non Operating Interest Income Expense	-2,946.10	-3,301.33	-3,181.28	-3,711.99
Total Other Finance Cost	2,585.01	3,271.86	2,626.36	2,543.25
Interest Expense Non Operating	933.69	699.53	1,053.25	1,922.88
Interest Income Non Operating	572.60	670.06	498.34	754.13
Selling And Marketing Expense	1,511.24	1,432.85	1,840.02	2,147.75
General And Administrative Expense	1,121.36	902.19	845.46	921.67
Other Gand A	1,121.36	902.19	845.46	921.67
Operating Revenue	9,016.34	10,091.09	11,551.28	13,399.71

Peer Comparison

Technology sector peers, ranked by market cap

Company	Ticker	Market Cap	P/E	P/B	ROE	EV/EBITDA
StoneCo Ltd.this co.	STNE	$2.6B	6.27↓ discount	1.22	21.0%	1.98
Ambarella, Inc.	AMBA	$2.9B	-	4.80	-12.8%	-37.38
PagSeguro Digital Ltd.	PAGS	$2.8B	6.94	0.94	14.4%	0.32
Penguin Solutions, Inc.	PENG	$2.7B	63.53	4.09	6.4%	14.98
Bitdeer Technologies Group	BTDR	$2.6B	-

Learn while you research

Hand-picked academy chapters to deepen your understanding of StoneCo Ltd. and the metrics that matter.

01 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read 02 Value Investing

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Year

Revenue

EBITDA

Net Profit

FCF

ROE

Rev Growth 1Y

NP Growth 1Y

2025

$13.4B

$5.7B

$2.3B

$-512M

21.0%

16.0%

2024

$11.6B

$4.5B

$-1.5B

$-4.9B

-12.8%

14.5%

-195.2%

2023

$10.1B

$3.5B

$1.6B

$437M

10.8%

11.9%

2022

$9.0B

$1.3B

$-519M

$960M

-4.0%

Metric

2022

2023

2024

2025

Total Revenue

9,016.34

10,091.09

11,551.28

13,399.71

Cost Of Revenue

2,669.75

2,370.16

2,832.50

3,365.43

Gross Profit

6,346.59

7,720.93

8,718.77

10,034.27

Operating Expense

2,632.60

2,335.04

2,685.47

3,069.42

Operating Income

3,713.99

5,385.89

6,033.30

6,964.86

EBITDA

1,346.73

3,487.32

4,488.21

5,715.54

EBIT

546.40

2,609.14

3,538.81

4,712.70

Pretax Income

-387.29

1,909.61

2,485.56

2,789.82

Tax Provision

139.11

354.99

464.94

412.76

Net Income

-519.42

1,592.07

-1,515.22

2,319.70

Net Income Common Stockholders

-519.42

1,592.07

-1,515.22

2,319.70

Total Expenses

5,302.35

4,705.20

5,517.98

6,434.85

Interest Expense

933.69

699.53

1,053.25

1,922.88

Interest Income

572.60

670.06

498.34

754.13

Selling General And Administration

2,632.60

2,335.04

2,685.47

3,069.42

Normalized EBITDA

2,195.82

3,441.53

4,468.83

5,728.67

Normalized Income

40.99

1,509.17

1,996.75

2,368.77

Basic EPS

-1.68

5.09

-5.02

8.70

Diluted EPS

-1.68

4.74

-5.16

8.48

Tax Effect Of Unusual Items

-288.69

8.70

3.68

-1.97

Tax Rate For Calcs

0.34

0.19

0.15

Total Unusual Items

-849.10

45.80

19.38

-13.14

Total Unusual Items Excluding Goodwill

-849.10

45.80

19.38

-13.14

Net Income From Continuing Operation Net Minority Interest

-519.42

1,546.27

2,012.45

2,357.60

Reconciled Depreciation

800.33

878.18

949.39

1,002.84

Reconciled Cost Of Revenue

2,669.75

2,370.16

2,832.50

3,365.43

Net Interest Income

-2,946.10

-3,301.33

-3,181.28

-3,711.99

Net Income From Continuing And Discontinued Operation

-519.42

1,592.07

-1,515.22

2,319.70

Diluted Average Shares

312.64

319.27

301.70

273.49

Basic Average Shares

312.64

312.59

301.70

266.86

Diluted NI Availto Com Stockholders

-519.42

1,592.07

-1,515.22

2,319.70

Minority Interests

6.98

-8.36

-8.17

-19.46

Net Income Including Noncontrolling Interests

-526.40

1,600.42

-1,507.05

2,339.16

Net Income Discontinuous Operations

45.80

-3,527.67

-37.90

Net Income Continuous Operations

-526.40

1,554.62

2,020.62

2,377.06

Other Income Expense

-1,155.19

-174.94

-366.46

-463.05

Other Non Operating Income Expenses

-302.50

-217.07

-386.24

-447.45

Special Income Charges

-3,558.05

Impairment Of Capital Assets

3,558.05

Earnings From Equity Interest

-3.59

-3.67

0.40

-2.46

Gain On Sale Of Security

-849.10

45.80

19.38

-13.14

Net Non Operating Interest Income Expense

-2,946.10

-3,301.33

-3,181.28

-3,711.99

Total Other Finance Cost

2,585.01

3,271.86

2,626.36

2,543.25

Interest Expense Non Operating

933.69

699.53

1,053.25

1,922.88

Interest Income Non Operating

572.60

670.06

498.34

754.13

Selling And Marketing Expense

1,511.24

1,432.85

1,840.02

2,147.75

General And Administrative Expense

1,121.36

902.19

845.46

921.67

Other Gand A

1,121.36

902.19

845.46

921.67

Operating Revenue

9,016.34

10,091.09

11,551.28

13,399.71

Company

Ticker

Market Cap

P/E

P/B

ROE

EV/EBITDA

StoneCo Ltd.this co.

STNE

$2.6B

6.27↓ discount

1.22

21.0%

1.98

Ambarella, Inc.

AMBA

$2.9B

4.80

-12.8%

-37.38

PagSeguro Digital Ltd.

PAGS

$2.8B

6.94

0.94

14.4%

0.32

Penguin Solutions, Inc.

PENG

$2.7B

63.53

4.09

6.4%

14.98

Bitdeer Technologies Group

BTDR

$2.6B

StoneCo Ltd.

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

StoneCo Ltd.

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

Key concepts to brush up on