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STONECO LTD-A (1STNE.MI) Stock Fundamental Analysis

Europe - BIT:1STNE - KYG851581069 - Common Stock

15.37 EUR
+15.37 (+Infinity%)
Last: 10/2/2025, 7:00:00 PM
Fundamental Rating

4

1STNE gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 50 industry peers in the Financial Services industry. 1STNE has a medium profitability rating, but doesn't score so well on its financial health evaluation. 1STNE is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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4

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.
Of the past 5 years 1STNE 4 years had a positive operating cash flow.
1STNE.MI Yearly Net Income VS EBIT VS OCF VS FCF1STNE.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B -4B 6B

1.2 Ratios

1STNE's Return On Assets of -2.55% is on the low side compared to the rest of the industry. 1STNE is outperformed by 78.00% of its industry peers.
Looking at the Return On Equity, with a value of -12.03%, 1STNE is doing worse than 80.00% of the companies in the same industry.
1STNE's Return On Invested Capital of 24.75% is amongst the best of the industry. 1STNE outperforms 92.00% 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 11.22%.
The last Return On Invested Capital (24.75%) for 1STNE is above the 3 year average (23.17%), which is a sign of increasing profitability.
Industry RankSector 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%
1STNE.MI Yearly ROA, ROE, ROIC1STNE.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20

1.3 Margins

Looking at the Operating Margin, with a value of 47.59%, 1STNE belongs to the top of the industry, outperforming 84.00% of the companies in the same industry.
In the last couple of years the Operating Margin of 1STNE has declined.
1STNE's Gross Margin of 74.62% is fine compared to the rest of the industry. 1STNE outperforms 70.00% of its industry peers.
In the last couple of years the Gross Margin of 1STNE has declined.
Industry RankSector 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%
1STNE.MI Yearly Profit, Operating, Gross Margins1STNE.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 60 80

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2

2. Health

2.1 Basic Checks

1STNE has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, 1STNE has more shares outstanding
Compared to 1 year ago, 1STNE has a worse debt to assets ratio.
1STNE.MI Yearly Shares Outstanding1STNE.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
1STNE.MI Yearly Total Debt VS Total Assets1STNE.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.2 Solvency

Based on the Altman-Z score of 1.68, we must say that 1STNE is in the distress zone and has some risk of bankruptcy.
1STNE's Altman-Z score of 1.68 is in line compared to the rest of the industry. 1STNE outperforms 52.00% of its industry peers.
A Debt/Equity ratio of 0.74 indicates that 1STNE is somewhat dependend on debt financing.
The Debt to Equity ratio of 1STNE (0.74) is worse than 62.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF N/A
Altman-Z 1.68
ROIC/WACCN/A
WACCN/A
1STNE.MI Yearly LT Debt VS Equity VS FCF1STNE.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B

2.3 Liquidity

1STNE has a Current Ratio of 1.39. This is a normal value and indicates that 1STNE is financially healthy and should not expect problems in meeting its short term obligations.
1STNE has a Current ratio (1.39) which is in line with its industry peers.
A Quick Ratio of 1.39 indicates that 1STNE should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.39, 1STNE perfoms like the industry average, outperforming 56.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.39
Quick Ratio 1.39
1STNE.MI Yearly Current Assets VS Current Liabilites1STNE.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 42.83% 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.
1STNE shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.25%.
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)42.83%
EPS 3Y115.64%
EPS 5Y18.81%
EPS Q2Q%38.73%
Revenue 1Y (TTM)10.25%
Revenue growth 3Y29.32%
Revenue growth 5Y38.77%
Sales Q2Q%18.96%

3.2 Future

Based on estimates for the next years, 1STNE will show a very strong growth in Earnings Per Share. The EPS will grow by 20.03% on average per year.
1STNE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.94% yearly.
EPS Next Y27.14%
EPS Next 2Y22.48%
EPS Next 3Y20.03%
EPS Next 5YN/A
Revenue Next Year10.56%
Revenue Next 2Y8.9%
Revenue Next 3Y7.65%
Revenue Next 5Y6.94%

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
1STNE.MI Yearly Revenue VS Estimates1STNE.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5B 10B 15B 20B
1STNE.MI Yearly EPS VS Estimates1STNE.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.40, the valuation of 1STNE can be described as correct.
72.00% of the companies in the same industry are more expensive than 1STNE, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.86. 1STNE is valued rather cheaply when compared to this.
1STNE is valuated reasonably with a Price/Forward Earnings ratio of 8.89.
78.00% of the companies in the same industry are more expensive than 1STNE, based on the Price/Forward Earnings ratio.
1STNE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.32.
Industry RankSector Rank
PE 12.4
Fwd PE 8.89
1STNE.MI Price Earnings VS Forward Price Earnings1STNE.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, 1STNE is valued a bit cheaper than 80.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 3.88
1STNE.MI Per share data1STNE.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

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.
A more expensive valuation may be justified as 1STNE's earnings are expected to grow with 20.03% in the coming years.
PEG (NY)0.46
PEG (5Y)0.66
EPS Next 2Y22.48%
EPS Next 3Y20.03%

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0

5. Dividend

5.1 Amount

1STNE does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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STONECO LTD-A

BIT:1STNE (10/2/2025, 7:00:00 PM)

15.37

+15.37 (+Infinity%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-07 2025-08-07/amc
Earnings (Next)11-10 2025-11-10/amc
Inst Owners78.61%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap4.17B
Analysts83.33
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 12.4
Fwd PE 8.89
P/S 1.89
P/FCF N/A
P/OCF N/A
P/B 2.29
P/tB 4.41
EV/EBITDA 3.88
EPS(TTM)1.24
EY8.07%
EPS(NY)1.73
Fwd EY11.24%
FCF(TTM)-1.04
FCFYN/A
OCF(TTM)-0.31
OCFYN/A
SpS8.13
BVpS6.71
TBVpS3.49
PEG (NY)0.46
PEG (5Y)0.66
Profitability
Industry RankSector 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%
ROICexcg growth 3Y107.85%
ROICexcg 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 RankSector 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 1.68
F-Score3
WACCN/A
ROIC/WACCN/A
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)42.83%
EPS 3Y115.64%
EPS 5Y18.81%
EPS Q2Q%38.73%
EPS Next Y27.14%
EPS Next 2Y22.48%
EPS Next 3Y20.03%
EPS Next 5YN/A
Revenue 1Y (TTM)10.25%
Revenue growth 3Y29.32%
Revenue growth 5Y38.77%
Sales Q2Q%18.96%
Revenue Next Year10.56%
Revenue Next 2Y8.9%
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