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About

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 offers financial services, including payment, prepayment, digital banking, and credit solutions. It distributes its solutions, principally through proprietary and franchised Stone Hubs, which offer hyper-local sales and services; and sells solutions to brick-and-mortar and digital merchants through sales team. The company served small-and-medium-sized businesses; and marketplaces, e-commerce platforms, and integrated software vendors. StoneCo Ltd. was founded in 2012 and is based in George Town, the Cayman Islands.

Fundamentals
Scroll to Statements
Sector Technology Industry Software - Infrastructur Market Cap 4.50B
Enterprise Value 15.35B Income -1.16B Sales 14.23B
Book/sh 8.65 Cash/sh 22.50 Dividend Yield —
Payout 0.00% Employees — IPO —
P/E — Forward P/E 7.99 PEG —
P/S 0.32 P/B 1.94 P/C —
EV/EBITDA 2.10 EV/Sales 1.08 Quick Ratio 1.20
Current Ratio 1.43 Debt/Eq 141.89 LT Debt/Eq —
EPS (ttm) -0.62 EPS next Y 2.10 EPS Growth 46.10%
Revenue Growth 16.00% Earnings 2026-03-02 ROA 7.44%
ROE -8.45% ROIC — Gross Margin 73.63%
Oper. Margin 52.34% Profit Margin -7.76% Shs Outstand 245.42M
Shs Float 238.55M Short Float 9.77% Short Ratio 3.92
Short Interest — 52W High 19.95 52W Low 8.64
Beta 1.79 Avg Volume 6.31M Volume 684.71K
Target Price $20.40 Recom Buy Prev Close $17.08
Price $16.80 Change -1.61%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$20.40
Mean price target
2. Current target
$16.81
Latest analyst target
3. DCF / Fair value
$-337.33
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$16.81
Low
$9.41
High
$26.25
Mean
$20.40

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-02-09 init BTIG — → Buy $22
2026-01-28 main Goldman Sachs Buy → Buy $19
2026-01-28 main UBS Buy → Buy $20
2025-10-14 main Goldman Sachs Buy → Buy $21
2025-09-09 main B of A Securities Buy → Buy $25
2025-08-29 main UBS Buy → Buy $20
2025-07-16 main JP Morgan Overweight → Overweight $19
2025-05-12 main Barclays Equal-Weight → Equal-Weight $15
2025-04-23 main Barclays Equal-Weight → Equal-Weight $13
2025-04-22 up Citigroup Neutral → Buy $15
2025-03-21 main Barclays Equal-Weight → Equal-Weight $12
2025-03-21 main Morgan Stanley Underweight → Underweight $6
2025-02-06 main Goldman Sachs Buy → Buy $14
2025-01-29 main Barclays Equal-Weight → Equal-Weight $10
2025-01-16 down Citigroup Buy → Neutral $9
2024-12-16 main JP Morgan Overweight → Overweight $15
2024-11-18 main Barclays Equal-Weight → Equal-Weight $12
2024-11-13 main Susquehanna Positive → Positive $19
2024-10-15 main Barclays Equal-Weight → Equal-Weight $13
2024-09-05 down Morgan Stanley Equal-Weight → Underweight $7
Insider Transactions

No recent insider transactions.

Financials
Line Item2024-12-312023-12-312022-12-312021-12-31
TaxEffectOfUnusualItems-1.20B8.39M-288.69M-59.44M
TaxRateForCalcs0.340.190.340.05
NormalizedEBITDA4.53B3.50B2.20B822.14M
TotalUnusualItems-3.54B44.15M-849.10M-1.26B
TotalUnusualItemsExcludingGoodwill-3.54B44.15M-849.10M-1.26B
NetIncomeFromContinuingOperationNetMinorityInterest-1.52B1.59B-519.42M-1.36B
ReconciledDepreciation949.39M878.18M800.33M507.37M
ReconciledCostOfRevenue3.39B2.98B2.67B1.71B
EBITDA988.16M3.54B1.35B-437.71M
EBIT38.76M2.67B546.40M-945.08M
NetInterestIncome-3.20B-3.32B-2.95B-1.03B
InterestExpense1.06B695.44M933.69M500.48M
InterestIncome518.30M690.98M572.60M247.29M
NormalizedIncome820.02M1.56B40.99M-158.41M
NetIncomeFromContinuingAndDiscontinuedOperation-1.52B1.59B-519.42M-1.36B
TotalExpenses6.63B5.87B5.30B3.54B
DilutedAverageShares286.01M319.27M312.64M308.91M
BasicAverageShares286.01M312.59M312.64M308.91M
DilutedEPS-5.274.74-1.66-4.40
BasicEPS-5.275.09-1.66-4.40
DilutedNIAvailtoComStockholders-1.52B1.59B-519.42M-1.36B
NetIncomeCommonStockholders-1.52B1.59B-519.42M-1.36B
NetIncome-1.52B1.59B-519.42M-1.36B
MinorityInterests-8.17M-8.36M6.98M18.54M
NetIncomeIncludingNoncontrollingInterests-1.51B1.60B-526.40M-1.38B
NetIncomeContinuousOperations-1.51B1.60B-526.40M-1.38B
TaxProvision489.42M370.40M139.11M-68.21M
PretaxIncome-1.02B1.97B-387.29M-1.45B
OtherIncomeExpense-3.94B-201.24M-1.16B-1.46B
OtherNonOperatingIncomeExpenses-398.73M-241.21M-302.50M-185.89M
SpecialIncomeCharges-3.56B0.000.00
ImpairmentOfCapitalAssets3.56B0.000.00
EarningsFromEquityInterest399.00K-4.18M-3.59M-10.44M
GainOnSaleOfSecurity19.81M44.15M-849.10M-1.26B
NetNonOperatingInterestIncomeExpense-3.20B-3.32B-2.95B-1.03B
TotalOtherFinanceCost2.66B3.32B2.59B772.95M
InterestExpenseNonOperating1.06B695.44M933.69M500.48M
InterestIncomeNonOperating518.30M690.98M572.60M247.29M
OperatingIncome6.11B5.49B3.71B1.04B
OperatingExpense3.24B2.89B2.63B1.83B
SellingGeneralAndAdministration3.24B2.89B2.63B1.83B
SellingAndMarketingExpense2.11B1.70B1.51B1.01B
GeneralAndAdministrativeExpense1.13B1.19B1.12B813.34M
OtherGandA1.13B1.19B1.12B813.34M
GrossProfit9.35B8.38B6.35B2.86B
CostOfRevenue3.39B2.98B2.67B1.71B
TotalRevenue12.74B11.36B9.02B4.58B
OperatingRevenue12.74B11.36B9.02B4.58B
Line Item2024-12-312023-12-312022-12-312021-12-31
TreasurySharesNumber28.23M5.31M233.77K3.60M
OrdinarySharesNumber286.01M308.94M312.64M308.93M
ShareIssued314.25M314.25M312.87M312.53M
NetDebt7.42B3.17B3.84B3.59B
TotalDebt12.90B5.52B5.55B8.36B
TangibleBookValue6.32B5.83B4.26B5.26B
InvestedCapital24.42B19.97B18.24B21.63B
WorkingCapital12.43B8.32B5.49B7.15B
NetTangibleAssets6.32B5.83B4.26B5.26B
CapitalLeaseObligations247.00M173.68M200.15M273.45M
CommonStockEquity11.78B14.62B12.89B13.54B
TotalCapitalization19.50B18.12B15.48B17.82B
TotalEquityGrossMinorityInterest11.83B14.68B12.95B13.63B
MinorityInterest51.30M53.70M56.12M90.77M
StockholdersEquity11.78B14.62B12.89B13.54B
GainsLossesNotAffectingRetainedEarnings13.93B13.74B13.39B14.51B
OtherEquityAdjustments13.93B13.74B13.39B14.51B
TreasuryStock1.81B282.71M69.08M1.07B
RetainedEarnings-346.36M1.17B-423.20M96.21M
CapitalStock76.00K76.00K76.00K76.00K
CommonStock76.00K76.00K76.00K76.00K
TotalLiabilitiesNetMinorityInterest42.99B34.02B29.30B28.47B
TotalNonCurrentLiabilitiesNetMinorityInterest9.45B5.19B4.12B5.68B
OtherNonCurrentLiabilities236.82M410.50M610.57M343.44M
DerivativeProductLiabilities281.18M311.61M
EmployeeBenefits39.52M34.30M35.84M32.75M
TradeandOtherPayablesNonCurrent50.67M35.45M35.77M3.17M
NonCurrentDeferredLiabilities680.67M546.51M500.25M629.91M
NonCurrentDeferredTaxesLiabilities680.67M546.51M500.25M629.91M
LongTermDebtAndCapitalLeaseObligation7.93B3.64B2.73B4.49B
LongTermCapitalLeaseObligation197.11M143.46M144.56M206.92M
LongTermDebt7.73B3.50B2.58B4.28B
LongTermProvisions237.41M208.87M210.38M181.85M
CurrentLiabilities33.53B28.83B25.17B22.79B
OtherCurrentLiabilities291.67M124.08M355.32M168.75M
CurrentDeferredLiabilities8.70B6.12B4.02B2.20B
CurrentDeferredRevenue8.70B6.12B4.02B2.20B
CurrentDebtAndCapitalLeaseObligation4.97B1.88B2.82B3.87B
CurrentCapitalLeaseObligation49.90M30.23M55.58M66.53M
CurrentDebt4.92B1.85B2.77B3.81B
OtherCurrentBorrowings4.92B1.85B2.77B3.81B
PensionandOtherPostRetirementBenefitPlansCurrent578.35M515.75M468.60M273.35M
PayablesAndAccruedExpenses18.99B20.19B17.50B16.27B
Payables18.99B20.19B17.50B16.27B
OtherPayable17.76B19.16B16.58B15.72B
TotalTaxPayable560.25M514.30M329.11M176.45M
IncomeTaxPayable431.71M409.60M251.35M129.65M
AccountsPayable672.18M513.88M596.04M372.55M
TotalAssets54.81B48.69B42.25B42.10B
TotalNonCurrentAssets8.85B11.54B11.59B12.15B
OtherNonCurrentAssets159.16M137.51M206.53M141.69M
NonCurrentPrepaidAssets101.42M214.09M
NonCurrentDeferredAssets871.64M664.49M679.97M580.49M
NonCurrentDeferredTaxesAssets871.64M664.49M679.97M580.49M
DuefromRelatedPartiesNonCurrent10.05M4.72M
NonCurrentNoteReceivables172.01M43.30M0.00
NonCurrentAccountsReceivable141.77M110.13M101.71M64.31M
FinancialAssets103.37M0.00
InvestmentsAndAdvances108.38M128.71M324.52M1.30B
OtherInvestments0.000.00214.76M1.24B
InvestmentinFinancialAssets32.63M45.70M214.76M
HeldToMaturitySecurities0.000.00
AvailableForSaleSecurities45.70M214.76M
FinancialAssetsDesignatedasFairValueThroughProfitorLossTotal32.63M
LongTermEquityInvestment75.75M83.01M109.75M66.45M
InvestmentsinAssociatesatCost75.75M83.01M109.75M66.45M
GoodwillAndOtherIntangibleAssets5.46B8.79B8.63B8.28B
OtherIntangibleAssets3.38B3.16B2.98B2.69B
Goodwill2.08B5.63B5.65B5.59B
NetPPE1.83B1.66B1.64B1.57B
AccumulatedDepreciation-1.88B-1.39B-1.04B-648.18M
GrossPPE3.71B3.05B2.68B2.22B
ConstructionInProgress29.69M30.96M50.32M14.08M
OtherProperties3.24B2.66B2.22B1.75B
MachineryFurnitureEquipment201.61M183.38M210.58M215.85M
BuildingsAndImprovements243.42M179.15M205.45M238.33M
Properties0.000.000.000.00
CurrentAssets45.97B37.15B30.66B29.94B
OtherCurrentAssets370.25M380.85M365.36M332.86M
HedgingAssetsCurrent156.81M4.18M36.40M219.32M
PrepaidAssets129.26M169.56M
Receivables30.89B24.71B21.33B20.39B
ReceivablesAdjustmentsAllowances-131.26M-117.55M-108.43M-80.42M
TaxesReceivable372.43M146.34M150.96M214.84M
LoansReceivable891.72M209.96M26.87M511.24M
AccountsReceivable29.75B24.47B21.26B19.74B
AllowanceForDoubtfulAccountsReceivable-60.89M-55.62M-22.76M-15.10M
GrossAccountsReceivable29.81B24.53B21.28B19.76B
CashCashEquivalentsAndShortTermInvestments14.55B12.06B8.93B8.84B
OtherShortTermInvestments9.32B9.88B7.41B4.34B
CashAndCashEquivalents5.23B2.18B1.51B4.50B
CashEquivalents2.18B1.51B
Line Item2024-12-312023-12-312022-12-312021-12-31
FreeCashFlow-4.89B437.41M960.44M2.31B
RepurchaseOfCapitalStock-1.59B-292.75M0.00-988.82M
RepaymentOfDebt-3.12B-5.52B-5.96B-10.10B
IssuanceOfDebt6.00B4.14B3.50B12.28B
IssuanceOfCapitalStock0.000.0053.41M0.00
CapitalExpenditure-1.27B-1.21B-723.25M-1.30B
EndCashPosition5.23B2.18B1.51B4.50B
BeginningCashPosition2.18B1.51B4.50B2.45B
EffectOfExchangeRateChanges44.54M10.34M14.55M-487.00K
ChangesInCash3.01B653.48M-3.00B2.05B
FinancingCashFlow5.04B-148.80M-2.81B1.42B
CashFlowFromContinuingFinancingActivities5.04B-148.80M-2.81B1.42B
NetOtherFinancingCharges3.75B1.53B-408.24M227.16M
NetCommonStockIssuance-1.59B-292.75M53.41M-988.82M
CommonStockPayments-1.59B-292.75M0.00-988.82M
CommonStockIssuance0.000.0053.41M0.00
NetIssuancePaymentsOfDebt2.88B-1.38B-2.46B2.18B
NetLongTermDebtIssuance2.88B-1.38B-2.46B2.18B
LongTermDebtPayments-3.12B-5.52B-5.96B-10.10B
LongTermDebtIssuance6.00B4.14B3.50B12.28B
InvestingCashFlow1.59B-845.44M-1.87B-2.98B
CashFlowFromContinuingInvestingActivities1.59B-845.44M-1.87B-2.98B
NetOtherInvestingChanges1.75M536.00K27.01M100.00K
NetInvestmentPurchaseAndSale3.05B402.13M-1.05B3.10B
SaleOfInvestment3.05B402.13M183.52M5.58B
PurchaseOfInvestment0.000.00-1.24B-2.48B
NetBusinessPurchaseAndSale-194.62M-37.81M-121.06M-4.78B
PurchaseOfBusiness-194.62M-37.81M-121.06M-4.78B
NetIntangiblesPurchaseAndSale-507.28M-474.05M-305.51M-215.68M
PurchaseOfIntangibles-507.28M-474.05M-305.51M-215.68M
NetPPEPurchaseAndSale-764.48M-736.24M-417.73M-1.08B
PurchaseOfPPE-764.48M-736.24M-417.73M-1.08B
OperatingCashFlow-3.62B1.65B1.68B3.61B
CashFlowFromContinuingOperatingActivities-3.62B1.65B1.68B3.61B
TaxesRefundPaid-174.15M-116.13M-191.14M-128.20M
InterestReceivedCFO4.58B2.77B2.06B1.58B
InterestPaidCFO-782.44M-749.37M-430.40M-299.67M
ChangeInWorkingCapital-10.88B-3.15B-1.13B1.30B
ChangeInOtherWorkingCapital-9.80M-10.18M
ChangeInOtherCurrentLiabilities29.99M19.28M171.29M-17.39M
ChangeInPayablesAndAccruedExpense-8.15B-3.29B-3.17B4.56B
ChangeInPayable-8.15B-3.29B-3.17B4.56B
ChangeInAccountPayable361.68M-80.02M323.62M40.77M
ChangeInTaxPayable-6.26M169.83M137.82M247.40M
ChangeInIncomeTaxPayable-6.26M169.83M137.82M247.40M
ChangeInPrepaidAssets54.50M41.31M152.97M-260.09M
ChangeInReceivables-2.81B83.93M1.72B-2.99B
ChangesInAccountReceivables-2.17B237.41M1.45B-2.75B
OtherNonCashItems114.96M-224.61M-388.65M-743.26M
StockBasedCompensation232.67M251.24M213.08M113.17M
UnrealizedGainLossOnInvestmentSecurities-441.48M96.56M1.18B2.57B
ProvisionandWriteOffofAssets204.68M166.02M107.42M76.23M
AssetImpairmentCharge3.56B0.000.00
DeferredTax-38.50M24.59M-153.07M-239.83M
DeferredIncomeTax-38.50M24.59M-153.07M-239.83M
DepreciationAmortizationDepletion949.39M878.18M800.33M507.37M
DepreciationAndAmortization949.39M878.18M800.33M507.37M
AmortizationCashFlow280.98M292.87M286.91M196.74M
AmortizationOfIntangibles280.98M292.87M286.91M196.74M
Depreciation668.41M585.31M513.41M310.63M
OperatingGainsLosses565.78M101.62M140.06M248.42M
EarningsLossesFromEquityInvestments-7.80M4.18M3.59M-15.85M
GainLossOnInvestmentSecurities485.98M20.32M90.82M104.98M
GainLossOnSaleOfPPE29.36M66.20M25.35M136.10M
GainLossOnSaleOfBusiness58.24M10.93M20.31M23.18M
NetIncomeFromContinuingOperations-1.51B1.60B-526.40M-1.38B
SEC Filings

No SEC filings found for this symbol (may be non-US or ticker not in SEC index).

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