STNE Stock Analysis: StoneCo | NASDAQ
Software - Infrastructure | NASDAQ, USA | Market Cap: 1.810m USD | 12M Return: -46.8% | KYG851581069 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 51.6M
EPS Trend: 87.3%
Qual. Beats: 0
Rev. Trend: 98.6%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 8 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 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 Brazil. Its services span in-store, online, and mobile channels and include payment processing, prepayment, digital banking, and credit solutions. The company supports electronic payments as well as Brazil-specific methods such as payment slips and Pix transactions, and offers digital tools including split-payment processing, multi-payment processing, recurring subscription payments, and tap-on-phone technology. StoneCo operates under the Stone, tonstone, and paggar.me brands and was founded in 2012.
The company is classified within the Financials sector under the Transaction & Payment Processing Services sub-industry, a segment that has expanded rapidly in Brazil alongside the Central Banks rollout of the Pix instant payment system and broader adoption of digital banking. StoneCo trades as a mid-cap stock with a market capitalization of approximately $2.14 billion USD and has been listed on NASDAQ since its October 2018 IPO.
- Brazil SELIC rate cuts pressure credit margins and prepayment revenue
- Pix adoption compresses payment processing fees across merchants
- SMB merchant acquisition drives TPV growth in core payments segment
| Net Income: 3.31b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA 8.15 > 1.0 |
| NWC/Revenue: 74.38% < 20% (prev 121.5%; Δ -47.11% < -1%) |
| CFO/TA 0.08 > 3% & CFO 4.82b > Net Income 3.31b |
| Net Debt (8.22b) to EBITDA (6.54b): 1.26 < 3 |
| Current Ratio: 1.26 > 1.5 & < 3 |
| Outstanding Shares: last quarter (245.4m) vs 12m ago -11.06% < -2% |
| Gross Margin: 72.44% > 18% (prev 74.38%; Δ -1.94% > 0.5%) |
| Asset Turnover: 24.83% > 50% (prev 23.88%; Δ 0.95% > 0%) |
| Interest Coverage Ratio: 1.98 > 6 (EBIT TTM 5.61b / Interest Expense TTM 2.83b) |
| A: 0.18 (Total Current Assets 50.2b - Total Current Liabilities 39.8b) / Total Assets 57.8b |
| B: 0.07 (Retained Earnings 4.12b / Total Assets 57.8b) |
| C: 0.10 (EBIT TTM 5.61b / Avg Total Assets 56.5b) |
| D: 0.18 (Book Value of Equity 8.98b / Total Liabilities 48.8b) |
| Altman-Z'' = 2.28 = BBB |
| DSRI: 0.99 (Receivables 39.9b/37.9b, Revenue 14.0b/13.2b) |
| GMI: 1.03 (GM 74.38% / 72.44%) |
| AQI: 1.53 (AQ_t 0.10 / AQ_t-1 0.07) |
| SGI: 1.06 (Revenue 14.0b / 13.2b) |
| TATA: -0.03 (NI 3.31b - CFO 4.82b) / TA 57.8b) |
| Beneish M = -2.65 (Cap -4..+1) = A |
As of November 13, 2026, the stock is trading at USD 7.72 with a total of 4,935,671 shares traded. Over the past week, the price has changed by +3.07%, over one month by -37.13%, over three months by -22.80% and over the past year by -46.75%.
Current recommended Stop Loss: 7.00 (which is 9.3% or 1.4 ATR below the current price).
StoneCo has received a consensus analysts rating of 3.59. Therefore, it is recommended to hold STNE.
- StrongBuy: 5
- Buy: 2
- Hold: 9
- Sell: 0
- StrongSell: 1
| Analysts Target Price | 12.8 | 65.9% |
Market Cap BRL = 10.1b (1.81b USD * 5.5827 USD.BRL)
P/E Trailing = 2.9735
P/E Forward = 10.7527
P/S = 0.1332
P/B = 1.0827
Revenue TTM = 14.0b BRL
EBIT TTM = 5.61b BRL
EBITDA TTM = 6.54b BRL
Long Term Debt = 7.63b BRL (from longTermDebt, last quarter)
Short Term Debt = 8.62b BRL (from shortTermDebt, last quarter)
Debt = 16.4b BRL (from shortLongTermDebtTotal, last quarter) + Leases 169.4m
Net Debt = 8.22b BRL (calculated: Debt 16.4b - CCE 8.18b)
Enterprise Value = 18.3b BRL (10.1b + Debt 16.4b - CCE 8.18b)
Interest Coverage Ratio = 1.98 (Ebit TTM 5.61b / Interest Expense TTM 2.83b)
EV/FCF = 4.55x (Enterprise Value 18.3b / FCF TTM 4.03b)
FCF Yield = 21.98% (FCF TTM 4.03b / Enterprise Value 18.3b)
FCF Margin = 28.73% (FCF TTM 4.03b / Revenue TTM 14.0b)
Net Margin = 23.61% (Net Income TTM 3.31b / Revenue TTM 14.0b)
Gross Margin = 72.44% ((Revenue TTM 14.0b - Cost of Revenue TTM 3.86b) / Revenue TTM)
Gross Margin QoQ = 65.66% (prev 72.36%)
Tobins Q-Ratio = 0.32 (Enterprise Value 18.3b / Total Assets 57.8b)
Interest Expense / Debt = 17.25% (Interest Expense 2.83b / Debt 16.4b)
Taxrate = 8.10% (39.6m / 489.6m)
NOPAT = 5.15b (EBIT 5.61b * (1 - 8.10%))
Current Ratio = 1.26 (Total Current Assets 50.2b / Total Current Liabilities 39.8b)
Debt / Equity = 1.83 (Debt 16.4b / totalStockholderEquity, last quarter 8.98b)
Debt / EBITDA = 1.26 (Net Debt 8.22b / EBITDA 6.54b)
Debt / FCF = 2.04 (Net Debt 8.22b / FCF TTM 4.03b)
Total Stockholder Equity = 11.2b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.86% (Net Income 3.31b / Total Assets 57.8b)
RoE = 29.69% (Net Income TTM 3.31b / Total Stockholder Equity 11.2b)
RoCE = 29.86% (EBIT 5.61b / Capital Employed (Equity 11.2b + L.T.Debt 7.63b))
RoIC = 19.91% (NOPAT 5.15b / Invested Capital 25.9b)
WACC = 13.66% (E(10.1b)/V(26.5b) * Re(10.10%) + D(16.4b)/V(26.5b) * Rd(17.25%) * (1-Tc(0.08)))
Discount Rate = 10.10% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.54 | Cagr: -10.64%
[DCF] Terminal Value 59.19% ; FCFF base≈4.03b ; Y1≈4.04b ; Y5≈4.28b
[DCF] Fair Price = 123.9 (EV 35.0b - Net Debt 8.22b = Equity 26.8b / Shares 216.5m; r=13.66% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 87.34 | EPS CAGR: 25.65% | SUE: 0.10 | # QB: 0
Revenue Correlation: 98.61 | Revenue CAGR: 10.40% | SUE: -0.25 | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.50 | Chg30d=-6.77% | Revisions=-40% | Analysts=8
EPS current Year (2026-12-31): EPS=10.25 | Chg30d=-0.36% | Revisions=+29% | GrowthEPS=+7.4% | GrowthRev=+5.1%
EPS next Year (2027-12-31): EPS=11.45 | Chg30d=-3.94% | Revisions=+0% | GrowthEPS=+11.8% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: +0% (up=5, down=5)