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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.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 5 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $13.4B | $5.7B | $2.3B | $-512M | 21.1% | 16.0% | -253.1% |
| 2024 | $11.6B | $4.5B | $-1.5B | $-4.9B | -12.9% | 14.5% | -195.2% |
| 2023 | $10.1B | $3.5B | $1.6B | $437M | 10.9% | 11.9% | -406.5% |
| 2022 | $9.0B | $1.3B | $-519M | $960M | -4.0% | - | - |
| 2021 | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2025 |
|---|---|
| Total Revenue | 13,399.71 |
| Operating Revenue | 13,399.71 |
| Cost Of Revenue | 3,365.43 |
| Gross Profit | 10,034.28 |
| Operating Expense | 3,069.42 |
| Selling General And Administration | 3,069.42 |
| Total Expenses | 6,434.85 |
| Operating Income | 6,964.86 |
| EBITDA | 5,715.54 |
| Normalized EBITDA | 5,728.67 |
| EBIT | 4,712.70 |
| Interest Income | 754.14 |
| Interest Expense | 1,922.88 |
| Net Interest Income | -3,711.99 |
| Other Non Operating Income Expenses | -447.45 |
| Other Income Expense | -463.05 |
| Interest Income Non Operating | 754.14 |
| Interest Expense Non Operating | 1,922.88 |
| Net Non Operating Interest Income Expense | -3,711.99 |
| Pretax Income | 2,789.82 |
| Tax Provision | 412.76 |
| Tax Rate For Calcs | 0 |
| Tax Effect Of Unusual Items | -1.97 |
| Net Income Continuous Operations | 2,377.06 |
| Net Income From Continuing And Discontinued Operation | 2,319.70 |
| Net Income From Continuing Operation Net Minority Interest | 2,357.60 |
| Net Income | 2,319.70 |
| Net Income Common Stockholders | 2,319.70 |
| Net Income Including Noncontrolling Interests | 2,339.16 |
| Normalized Income | 2,368.77 |
| Diluted NI Availto Com Stockholders | 2,319.70 |
| Basic Average Shares | 266.86 |
| Diluted Average Shares | 273.49 |
| Reconciled Depreciation | 1,002.84 |
| Reconciled Cost Of Revenue | 3,365.43 |
| Total Unusual Items | -13.14 |
| Total Unusual Items Excluding Goodwill | -13.14 |
| Minority Interests | -19.46 |
| Net Income Discontinuous Operations | -37.90 |
| Special Income Charges | - |
| Impairment Of Capital Assets | - |
| Gain On Sale Of Security | -13.14 |
| General And Administrative Expense | 921.67 |
| Other Gand A | 921.67 |
| Total Other Finance Cost | 2,543.25 |
| Selling And Marketing Expense | 2,147.75 |
| Earnings From Equity Interest | -2.46 |
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 | 1.13 | 0.24 | 21.1% | 2.17 |
| Vistance Networks, Inc. | VISN | $2.8B | 1.23 | -2.79 | -227.4% | 30.18 |
| Workiva Inc. | WK | $2.8B | -105.19 | -506.37 | 481.4% | 2375.17 |
| Freshworks Inc. | FRSH | $2.7B | 14.43 | 2.57 | 17.8% | 53.81 |
| Braze, Inc. | BRZE | $2.6B | -19.85 | 4.18 |
| - |
| - |
| - |
| - |
| -21.0% |
| -20.45 |
| Quantum Computing Inc. | QUBT | $2.5B | -135.15 | 1.58 | -1.2% | -130.81 |
| Agilysys, Inc. | AGYS | $2.5B | 64.93 | 7.71 | 11.9% | 40.93 |
| PagSeguro Digital Ltd. | PAGS | $2.5B | 1.16 | 0.17 | 14.5% | 5.00 |
| PDF Solutions, Inc. | PDFS | $2.4B | -3688.94 | 8.71 | -0.2% | 129.30 |
| Peer Median | - | -9.34 | 2.07 | 5.8% | 35.55 | |