(STNE) StoneCo - Overview
Stock: Payment, Credit, Banking, Software
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 47.3% |
| Relative Tail Risk | -7.55% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.42 |
| Alpha | 67.61 |
| Character TTM | |
|---|---|
| Beta | 0.967 |
| Beta Downside | 0.402 |
| Drawdowns 3y | |
|---|---|
| Max DD | 57.64% |
| CAGR/Max DD | 0.37 |
Description: STNE StoneCo January 11, 2026
StoneCo Ltd. (NASDAQ: STNE) is a Cayman-based fintech that equips Brazilian merchants and partners with end-to-end electronic commerce solutions across physical stores, online sites, and mobile apps. Its product suite spans payments, prepaid services, digital banking, and credit, delivered primarily through a network of proprietary and franchised “Stone Hubs” that provide localized sales and support, as well as a direct sales force targeting both brick-and-mortar and digital merchants.
Key recent metrics indicate strong momentum: in 2023 the company reported revenue of roughly $1.2 billion, up about 30 % year-over-year, driven by a 25 % increase in gross transaction volume (GTV) to R$10 billion. StoneCo’s market share in Brazil’s merchant acquiring space is estimated at ~30 %, and its credit portfolio grew 18 % as consumer financing demand surged amid the country’s modest GDP growth of ~2 % and expanding unbanked population. The broader payments sector is benefitting from accelerated adoption of QR-code and contactless POS technologies, which are expected to raise total addressable market size by double-digit percentages over the next three years.
For a deeper dive into StoneCo’s valuation metrics, you might explore the ValueRay platform.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: -1.14b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.02 > 0.02 and ΔFCF/TA 7.27 > 1.0 |
| NWC/Revenue: 116.9% < 20% (prev 101.4%; Δ 15.46% < -1%) |
| CFO/TA -0.01 > 3% & CFO -334.4m > Net Income -1.14b |
| Net Debt (10.60b) to EBITDA (7.70b): 1.38 < 3 |
| Current Ratio: 1.43 > 1.5 & < 3 |
| Outstanding Shares: last quarter (271.6m) vs 12m ago -10.52% < -2% |
| Gross Margin: 75.16% > 18% (prev 0.74%; Δ 7442 % > 0.5%) |
| Asset Turnover: 24.47% > 50% (prev 22.63%; Δ 1.84% > 0%) |
| Interest Coverage Ratio: 3.93 > 6 (EBITDA TTM 7.70b / Interest Expense TTM 1.70b) |
Altman Z'' 3.00
| A: 0.27 (Total Current Assets 52.92b - Total Current Liabilities 37.12b) / Total Assets 58.60b |
| B: 0.03 (Retained Earnings 1.47b / Total Assets 58.60b) |
| C: 0.12 (EBIT TTM 6.70b / Avg Total Assets 55.26b) |
| D: 0.32 (Book Value of Equity 15.09b / Total Liabilities 46.81b) |
| Altman-Z'' Score: 3.00 = A |
Beneish M -3.10
| DSRI: 1.28 (Receivables 40.72b/27.62b, Revenue 13.52b/11.75b) |
| GMI: 0.99 (GM 75.16% / 74.28%) |
| AQI: 0.34 (AQ_t 0.07 / AQ_t-1 0.20) |
| SGI: 1.15 (Revenue 13.52b / 11.75b) |
| TATA: -0.01 (NI -1.14b - CFO -334.4m) / TA 58.60b) |
| Beneish M-Score: -3.10 (Cap -4..+1) = AA |
What is the price of STNE shares?
Over the past week, the price has changed by +5.82%, over one month by +13.04%, over three months by -9.49% and over the past year by +85.25%.
Is STNE a buy, sell or hold?
- StrongBuy: 10
- Buy: 3
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the STNE price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 19.9 | 16.6% |
| Analysts Target Price | 19.9 | 16.6% |
| ValueRay Target Price | 18.7 | 9.3% |
STNE Fundamental Data Overview February 03, 2026
P/E Forward = 9.9108
P/S = 0.3034
P/B = 1.9366
Revenue TTM = 13.52b BRL
EBIT TTM = 6.70b BRL
EBITDA TTM = 7.70b BRL
Long Term Debt = 8.52b BRL (from longTermDebt, last quarter)
Short Term Debt = 7.63b BRL (from shortTermDebt, last quarter)
Debt = 16.16b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 10.60b BRL (from netDebt column, last quarter)
Enterprise Value = 31.25b BRL (22.62b + Debt 16.16b - CCE 7.53b)
Interest Coverage Ratio = 3.93 (Ebit TTM 6.70b / Interest Expense TTM 1.70b)
EV/FCF = -24.01x (Enterprise Value 31.25b / FCF TTM -1.30b)
FCF Yield = -4.16% (FCF TTM -1.30b / Enterprise Value 31.25b)
FCF Margin = -9.62% (FCF TTM -1.30b / Revenue TTM 13.52b)
Net Margin = -8.44% (Net Income TTM -1.14b / Revenue TTM 13.52b)
Gross Margin = 75.16% ((Revenue TTM 13.52b - Cost of Revenue TTM 3.36b) / Revenue TTM)
Gross Margin QoQ = 77.07% (prev 74.12%)
Tobins Q-Ratio = 0.53 (Enterprise Value 31.25b / Total Assets 58.60b)
Interest Expense / Debt = 3.37% (Interest Expense 545.1m / Debt 16.16b)
Taxrate = 16.57% (132.7m / 800.9m)
NOPAT = 5.59b (EBIT 6.70b * (1 - 16.57%))
Current Ratio = 1.43 (Total Current Assets 52.92b / Total Current Liabilities 37.12b)
Debt / Equity = 1.38 (Debt 16.16b / totalStockholderEquity, last quarter 11.75b)
Debt / EBITDA = 1.38 (Net Debt 10.60b / EBITDA 7.70b)
Debt / FCF = -8.15 (negative FCF - burning cash) (Net Debt 10.60b / FCF TTM -1.30b)
Total Stockholder Equity = 11.63b (last 4 quarters mean from totalStockholderEquity)
RoA = -2.07% (Net Income -1.14b / Total Assets 58.60b)
RoE = -9.82% (Net Income TTM -1.14b / Total Stockholder Equity 11.63b)
RoCE = 33.23% (EBIT 6.70b / Capital Employed (Equity 11.63b + L.T.Debt 8.52b))
RoIC = 21.81% (NOPAT 5.59b / Invested Capital 25.61b)
WACC = 6.70% (E(22.62b)/V(38.78b) * Re(9.48%) + D(16.16b)/V(38.78b) * Rd(3.37%) * (1-Tc(0.17)))
Discount Rate = 9.48% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.64%
Fair Price DCF = unknown (Cash Flow -1.30b)
EPS Correlation: 92.51 | EPS CAGR: 120.2% | SUE: 1.46 | # QB: 5
Revenue Correlation: 76.28 | Revenue CAGR: 3.92% | SUE: -0.01 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.28 | Chg30d=-0.037 | Revisions Net=+0 | Analysts=3
EPS next Year (2026-12-31): EPS=10.74 | Chg30d=-0.034 | Revisions Net=-1 | Growth EPS=+14.9% | Growth Revenue=+6.3%