STNE Stock Analysis: StoneCo | NASDAQ
Software - Infrastructure | NASDAQ, USA | Market Cap: 2.617m USD | 12M Return: -0.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 42.6M
EPS Trend: 88.2%
Qual. Beats: 0
Rev. Trend: 98.7%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 7.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
StoneCo Ltd. (NASDAQ: STNE) is a Cayman Islands-incorporated financial technology company that provides software and electronic commerce solutions to merchants and integrated partners across in-store, online, and mobile channels in Brazil. Its services span payment processing, prepayment, digital banking, and credit solutions, with offerings that include electronic payments, Pix transactions, split- and multi-payment processing, recurring payments, and tap-on-phone technology. The company serves online, offline, and omni-channel clients through its Stone, tonstone, and paggar.me brands, and has been publicly traded since its October 2018 IPO.
StoneCo operates within Brazils large and rapidly digitalizing payments ecosystem, where it competes alongside incumbents and challenger processors in transaction and payment processing. A distinctive feature of the market is Pix, the instant payment system developed by the Central Bank of Brazil, which has become a widely adopted low-cost payment rail for both consumers and merchants, reshaping competitive dynamics in the sector.
- Pix adoption pressures card processing take rates in Brazil
- SMB acquiring TPV growth drives core payment revenue
- Credit solutions expansion lifts blended take rate and margins
| Net Income: 3.47b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 7.14 > 1.0 |
| NWC/Revenue: 92.89% < 20% (prev 99.42%; Δ -6.53% < -1%) |
| CFO/TA 0.06 > 3% & CFO 3.34b > Net Income 3.47b |
| Net Debt (5.74b) to EBITDA (6.48b): 0.89 < 3 |
| Current Ratio: 1.33 > 1.5 & < 3 |
| Outstanding Shares: last quarter (253.4m) vs 12m ago -11.41% < -2% |
| Gross Margin: 74.46% > 18% (prev 74.39%; Δ 0.07% > 0.5%) |
| Asset Turnover: 24.71% > 50% (prev 23.51%; Δ 1.20% > 0%) |
| Interest Coverage Ratio: 2.06 > 6 (EBIT TTM 5.43b / Interest Expense TTM 2.64b) |
| A: 0.22 (Total Current Assets 51.7b - Total Current Liabilities 38.8b) / Total Assets 59.1b |
| B: 0.06 (Retained Earnings 3.63b / Total Assets 59.1b) |
| C: 0.10 (EBIT TTM 5.43b / Avg Total Assets 56.5b) |
| D: 0.26 (Book Value of Equity 12.1b / Total Liabilities 47.0b) |
| Altman-Z'' = 2.56 = A |
| DSRI: 1.00 (Receivables 40.3b/36.5b, Revenue 14.0b/12.7b) |
| GMI: 1.00 (GM 74.39% / 74.46%) |
| AQI: 0.73 (AQ_t 0.10 / AQ_t-1 0.13) |
| SGI: 1.10 (Revenue 14.0b / 12.7b) |
| TATA: 0.00 (NI 3.47b - CFO 3.34b) / TA 59.1b) |
| Beneish M = -3.11 (Cap -4..+1) = AA |
As of July 28, 2026, the stock is trading at USD 10.89 with a total of 2,397,634 shares traded. Over the past week, the price has changed by -2.07%, over one month by +0.00%, over three months by -9.17% and over the past year by -0.06%.
Current recommended Stop Loss: 10.30 (which is 5.4% or 1.4 ATR below the current price).
StoneCo has received a consensus analysts rating of 4.64. Therefore, it is recommended to buy STNE.
- StrongBuy: 10
- Buy: 3
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 16.1 | 47.8% |
Market Cap BRL = 13.3b (2.62b USD * 5.0842 USD.BRL)
P/E Trailing = 4.03
P/E Forward = 8.058
P/S = 0.1934
P/B = 1.084
Revenue TTM = 14.0b BRL
EBIT TTM = 5.43b BRL
EBITDA TTM = 6.48b BRL
Long Term Debt = 7.00b BRL (from longTermDebt, last quarter)
Short Term Debt = 8.74b BRL (from shortTermDebt, last quarter)
Debt = 15.8b BRL (from shortLongTermDebtTotal, last quarter) + Leases 169.4m
Net Debt = 5.74b BRL (calculated: Debt 15.8b - CCE 10.1b)
Enterprise Value = 19.0b BRL (13.3b + Debt 15.8b - CCE 10.1b)
Interest Coverage Ratio = 2.06 (Ebit TTM 5.43b / Interest Expense TTM 2.64b)
EV/FCF = 7.93x (Enterprise Value 19.0b / FCF TTM 2.40b)
FCF Yield = 12.62% (FCF TTM 2.40b / Enterprise Value 19.0b)
FCF Margin = 17.20% (FCF TTM 2.40b / Revenue TTM 14.0b)
Net Margin = 24.83% (Net Income TTM 3.47b / Revenue TTM 14.0b)
Gross Margin = 74.46% ((Revenue TTM 14.0b - Cost of Revenue TTM 3.57b) / Revenue TTM)
Gross Margin QoQ = 72.36% (prev 74.25%)
Tobins Q-Ratio = 0.32 (Enterprise Value 19.0b / Total Assets 59.1b)
Interest Expense / Debt = 16.68% (Interest Expense 2.64b / Debt 15.8b)
Taxrate = 14.80% (412.8m / 2.79b)
NOPAT = 4.62b (EBIT 5.43b * (1 - 14.80%))
Current Ratio = 1.33 (Total Current Assets 51.7b / Total Current Liabilities 38.8b)
Debt / Equity = 1.31 (Debt 15.8b / totalStockholderEquity, last quarter 12.1b)
Debt / EBITDA = 0.89 (Net Debt 5.74b / EBITDA 6.48b)
Debt / FCF = 2.39 (Net Debt 5.74b / FCF TTM 2.40b)
Total Stockholder Equity = 11.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.14% (Net Income 3.47b / Total Assets 59.1b)
RoE = 29.41% (Net Income TTM 3.47b / Total Stockholder Equity 11.8b)
RoCE = 28.88% (EBIT 5.43b / Capital Employed (Equity 11.8b + L.T.Debt 7.00b))
RoIC = 16.27% (NOPAT 4.62b / Invested Capital 28.4b)
WACC = 12.58% (E(13.3b)/V(29.1b) * Re(10.63%) + D(15.8b)/V(29.1b) * Rd(16.68%) * (1-Tc(0.15)))
Discount Rate = 10.63% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.05 | Cagr: -9.65%
[DCF] Terminal Value 62.14% ; FCFF base≈2.40b ; Y1≈2.41b ; Y5≈2.56b
[DCF] Fair Price = 75.93 (EV 23.1b - Net Debt 5.74b = Equity 17.4b / Shares 229.2m; r=12.58% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 88.24 | EPS CAGR: 36.39% | SUE: -0.27 | # QB: 0
Revenue Correlation: 98.72 | Revenue CAGR: 11.34% | SUE: 0.03 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.42 | Chg30d=+1.34% | Revisions=-22% | Analysts=8
EPS next Quarter (2026-09-30): EPS=2.72 | Chg30d=-2.70% | Revisions=+22% | Analysts=7
EPS current Year (2026-12-31): EPS=10.33 | Chg30d=-2.71% | Revisions=-22% | GrowthEPS=+8.3% | GrowthRev=+5.7%
EPS next Year (2027-12-31): EPS=12.19 | Chg30d=-3.20% | Revisions=-22% | GrowthEPS=+18.0% | GrowthRev=+5.8%
[Analyst] Revisions Ratio: -15% (up=10, down=14)