STONECO LTD-A (1STNE.MI) Stock Fundamental Analysis
Europe - BIT:1STNE - KYG851581069 - Common Stock
16.13 EUR
+0.76 (+4.94%)
Overall 1STNE gets a fundamental rating of 4 out of 10. We evaluated 1STNE against 50 industry peers in the Financial Services industry. There are concerns on the financial health of 1STNE while its profitability can be described as average. 1STNE is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year 1STNE was profitable.
In the past year 1STNE has reported a negative cash flow from operations.
In multiple years 1STNE reported negative net income over the last 5 years.
1STNE had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
1STNE has a worse Return On Assets (-2.55%) than 78.43% of its industry peers.
1STNE has a worse Return On Equity (-12.03%) than 80.39% of its industry peers.
1STNE has a better Return On Invested Capital (24.75%) than 94.12% of its industry peers.
1STNE had an Average Return On Invested Capital over the past 3 years of 23.17%. This is significantly above the industry average of 9.85%.
The 3 year average ROIC (23.17%) for 1STNE is below the current ROIC(24.75%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.55% | ||
| ROE | -12.03% | ||
| ROIC | 24.75% |
ROA(3y)-0.24%
ROA(5y)-0.25%
ROE(3y)-2%
ROE(5y)-2.06%
ROIC(3y)23.17%
ROIC(5y)17.28%
1.3 Margins
1STNE's Operating Margin of 47.59% is amongst the best of the industry. 1STNE outperforms 86.27% of its industry peers.
In the last couple of years the Operating Margin of 1STNE has declined.
1STNE has a better Gross Margin (74.62%) than 68.63% of its industry peers.
1STNE's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 47.59% | ||
| PM (TTM) | N/A | ||
| GM | 74.62% |
OM growth 3Y5.11%
OM growth 5Y-3.47%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.1%
GM growth 5Y-2.25%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 1STNE is creating value.
Compared to 1 year ago, 1STNE has less shares outstanding
1STNE has more shares outstanding than it did 5 years ago.
The debt/assets ratio for 1STNE is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.70, we must say that 1STNE is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of 1STNE (1.70) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.74 indicates that 1STNE is somewhat dependend on debt financing.
1STNE has a worse Debt to Equity ratio (0.74) than 64.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.7 |
ROIC/WACC3.3
WACC7.5%
2.3 Liquidity
A Current Ratio of 1.39 indicates that 1STNE should not have too much problems paying its short term obligations.
The Current ratio of 1STNE (1.39) is comparable to the rest of the industry.
A Quick Ratio of 1.39 indicates that 1STNE should not have too much problems paying its short term obligations.
1STNE has a Quick ratio of 1.39. This is comparable to the rest of the industry: 1STNE outperforms 54.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.39 | ||
| Quick Ratio | 1.39 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 38.95% over the past year.
1STNE shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.81% yearly.
The Revenue has grown by 8.83% in the past year. This is quite good.
Measured over the past years, 1STNE shows a very strong growth in Revenue. The Revenue has been growing by 38.77% on average per year.
EPS 1Y (TTM)38.95%
EPS 3Y115.64%
EPS 5Y18.81%
EPS Q2Q%44.72%
Revenue 1Y (TTM)8.83%
Revenue growth 3Y29.32%
Revenue growth 5Y38.77%
Sales Q2Q%9.2%
3.2 Future
1STNE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.37% yearly.
1STNE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.94% yearly.
EPS Next Y28.27%
EPS Next 2Y22.74%
EPS Next 3Y20.37%
EPS Next 5YN/A
Revenue Next Year9.93%
Revenue Next 2Y8.74%
Revenue Next 3Y7.65%
Revenue Next 5Y6.94%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
1STNE is valuated reasonably with a Price/Earnings ratio of 11.77.
Based on the Price/Earnings ratio, 1STNE is valued a bit cheaper than 74.51% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.11, 1STNE is valued rather cheaply.
The Price/Forward Earnings ratio is 9.22, which indicates a very decent valuation of 1STNE.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1STNE indicates a somewhat cheap valuation: 1STNE is cheaper than 76.47% of the companies listed in the same industry.
1STNE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.55.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.77 | ||
| Fwd PE | 9.22 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1STNE indicates a somewhat cheap valuation: 1STNE is cheaper than 78.43% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.02 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
1STNE's earnings are expected to grow with 20.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.42
PEG (5Y)0.63
EPS Next 2Y22.74%
EPS Next 3Y20.37%
5. Dividend
5.1 Amount
No dividends for 1STNE!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:1STNE (10/23/2025, 7:00:00 PM)
16.13
+0.76 (+4.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners78.61%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap4.38B
Revenue(TTM)13.26B
Net Income(TTM)-1373745000
Analysts83.33
Price Target15.62 (-3.16%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.28%
Min EPS beat(2)7.3%
Max EPS beat(2)13.26%
EPS beat(4)4
Avg EPS beat(4)7.87%
Min EPS beat(4)3.79%
Max EPS beat(4)13.26%
EPS beat(8)7
Avg EPS beat(8)8.46%
EPS beat(12)11
Avg EPS beat(12)23.38%
EPS beat(16)13
Avg EPS beat(16)23.36%
Revenue beat(2)0
Avg Revenue beat(2)-1.73%
Min Revenue beat(2)-2.01%
Max Revenue beat(2)-1.46%
Revenue beat(4)0
Avg Revenue beat(4)-2.17%
Min Revenue beat(4)-2.75%
Max Revenue beat(4)-1.46%
Revenue beat(8)0
Avg Revenue beat(8)-1.84%
Revenue beat(12)2
Avg Revenue beat(12)-0.23%
Revenue beat(16)5
Avg Revenue beat(16)3.1%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)-4.54%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.89%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)4%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.57%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.77 | ||
| Fwd PE | 9.22 | ||
| P/S | 1.97 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.39 | ||
| P/tB | 4.59 | ||
| EV/EBITDA | 4.02 |
EPS(TTM)1.37
EY8.49%
EPS(NY)1.75
Fwd EY10.85%
FCF(TTM)-1.05
FCFYN/A
OCF(TTM)-0.31
OCFYN/A
SpS8.2
BVpS6.76
TBVpS3.52
PEG (NY)0.42
PEG (5Y)0.63
Graham Number14.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.55% | ||
| ROE | -12.03% | ||
| ROCE | 30.48% | ||
| ROIC | 24.75% | ||
| ROICexc | 39.11% | ||
| ROICexgc | 65.26% | ||
| OM | 47.59% | ||
| PM (TTM) | N/A | ||
| GM | 74.62% | ||
| FCFM | N/A |
ROA(3y)-0.24%
ROA(5y)-0.25%
ROE(3y)-2%
ROE(5y)-2.06%
ROIC(3y)23.17%
ROIC(5y)17.28%
ROICexc(3y)56.64%
ROICexc(5y)40.18%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)28.53%
ROCE(5y)21.28%
ROICexgc growth 3Y107.85%
ROICexgc growth 5Y63.64%
ROICexc growth 3Y68.5%
ROICexc growth 5Y19.67%
OM growth 3Y5.11%
OM growth 5Y-3.47%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.1%
GM growth 5Y-2.25%
F-Score3
Asset Turnover0.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 1.12 | ||
| Cap/Depr | 126.47% | ||
| Cap/Sales | 9.05% | ||
| Interest Coverage | 7.53 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.39 | ||
| Quick Ratio | 1.39 | ||
| Altman-Z | 1.7 |
F-Score3
WACC7.5%
ROIC/WACC3.3
Cap/Depr(3y)120.71%
Cap/Depr(5y)159.13%
Cap/Sales(3y)8.94%
Cap/Sales(5y)12.35%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)38.95%
EPS 3Y115.64%
EPS 5Y18.81%
EPS Q2Q%44.72%
EPS Next Y28.27%
EPS Next 2Y22.74%
EPS Next 3Y20.37%
EPS Next 5YN/A
Revenue 1Y (TTM)8.83%
Revenue growth 3Y29.32%
Revenue growth 5Y38.77%
Sales Q2Q%9.2%
Revenue Next Year9.93%
Revenue Next 2Y8.74%
Revenue Next 3Y7.65%
Revenue Next 5Y6.94%
EBIT growth 1Y5.39%
EBIT growth 3Y35.93%
EBIT growth 5Y33.96%
EBIT Next Year38.41%
EBIT Next 3Y13.31%
EBIT Next 5YN/A
FCF growth 1Y-253.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-125.47%
OCF growth 3YN/A
OCF growth 5YN/A
STONECO LTD-A / 1STNE.MI FAQ
Can you provide the ChartMill fundamental rating for STONECO LTD-A?
ChartMill assigns a fundamental rating of 4 / 10 to 1STNE.MI.
What is the valuation status for 1STNE stock?
ChartMill assigns a valuation rating of 6 / 10 to STONECO LTD-A (1STNE.MI). This can be considered as Fairly Valued.
What is the profitability of 1STNE stock?
STONECO LTD-A (1STNE.MI) has a profitability rating of 4 / 10.
How financially healthy is STONECO LTD-A?
The financial health rating of STONECO LTD-A (1STNE.MI) is 3 / 10.
What is the earnings growth outlook for STONECO LTD-A?
The Earnings per Share (EPS) of STONECO LTD-A (1STNE.MI) is expected to grow by 28.27% in the next year.