STONECO LTD-A (STNE) Fundamental Analysis & Valuation

NASDAQ:STNE • KYG851581069

14.29 USD
+0.56 (+4.08%)
At close: Mar 4, 2026
14.29 USD
0 (0%)
After Hours: 3/4/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This STNE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Overall STNE gets a fundamental rating of 4 out of 10. We evaluated STNE against 97 industry peers in the Financial Services industry. STNE has only an average score on both its financial health and profitability. STNE has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

4

1. STNE Profitability Analysis

1.1 Basic Checks

  • STNE had positive earnings in the past year.
  • STNE had a negative operating cash flow in the past year.
  • In the past 5 years STNE reported 4 times negative net income.
  • The reported operating cash flow has been mixed in the past 5 years: STNE reported negative operating cash flow in multiple years.
STNE Yearly Net Income VS EBIT VS OCF VS FCFSTNE 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

  • STNE has a Return On Assets of -1.88%. This is amonst the worse of the industry: STNE underperforms 80.41% of its industry peers.
  • STNE has a Return On Equity of -9.40%. This is in the lower half of the industry: STNE underperforms 77.32% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 27.36%, STNE belongs to the top of the industry, outperforming 95.88% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for STNE is significantly above the industry average of 8.35%.
  • The last Return On Invested Capital (27.36%) for STNE is above the 3 year average (23.17%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA -1.88%
ROE -9.4%
ROIC 27.36%
ROA(3y)-0.24%
ROA(5y)-0.25%
ROE(3y)-2%
ROE(5y)-2.06%
ROIC(3y)23.17%
ROIC(5y)17.28%
STNE Yearly ROA, ROE, ROICSTNE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20

1.3 Margins

  • STNE's Operating Margin of 50.44% is amongst the best of the industry. STNE outperforms 86.60% of its industry peers.
  • In the last couple of years the Operating Margin of STNE has declined.
  • With an excellent Gross Margin value of 75.74%, STNE belongs to the best of the industry, outperforming 82.47% of the companies in the same industry.
  • In the last couple of years the Gross Margin of STNE has declined.
Industry RankSector Rank
OM 50.44%
PM (TTM) N/A
GM 75.74%
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%
STNE Yearly Profit, Operating, Gross MarginsSTNE 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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4

2. STNE Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so STNE is creating value.
  • There is no outstanding debt for STNE. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
STNE Yearly Shares OutstandingSTNE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
STNE Yearly Total Debt VS Total AssetsSTNE 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

  • STNE has an Altman-Z score of 1.60. This is a bad value and indicates that STNE is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of STNE (1.60) is better than 72.16% of its industry peers.
  • STNE has a Debt/Equity ratio of 0.73. This is a neutral value indicating STNE is somewhat dependend on debt financing.
  • STNE has a Debt to Equity ratio of 0.73. This is comparable to the rest of the industry: STNE outperforms 51.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.73
Debt/FCF N/A
Altman-Z 1.6
ROIC/WACC2.88
WACC9.5%
STNE Yearly LT Debt VS Equity VS FCFSTNE 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

  • A Current Ratio of 1.43 indicates that STNE should not have too much problems paying its short term obligations.
  • STNE has a Current ratio of 1.43. This is in the better half of the industry: STNE outperforms 67.01% of its industry peers.
  • STNE has a Quick Ratio of 1.43. This is a normal value and indicates that STNE is financially healthy and should not expect problems in meeting its short term obligations.
  • STNE has a Quick ratio of 1.43. This is in the better half of the industry: STNE outperforms 68.04% of its industry peers.
Industry RankSector Rank
Current Ratio 1.43
Quick Ratio 1.43
STNE Yearly Current Assets VS Current LiabilitesSTNE 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. STNE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 30.97% over the past year.
  • The Earnings Per Share has been growing by 23.66% on average over the past years. This is a very strong growth
EPS 1Y (TTM)30.97%
EPS 3Y67.84%
EPS 5Y23.66%
EPS Q2Q%14.42%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-1.17%

3.2 Future

  • STNE is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.96% yearly.
  • STNE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.26% yearly.
EPS Next Y14.33%
EPS Next 2Y14.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.82%
Revenue Next 2Y6.76%
Revenue Next 3Y8.41%
Revenue Next 5Y7.26%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
STNE Yearly Revenue VS EstimatesSTNE 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
STNE Yearly EPS VS EstimatesSTNE 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. STNE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.94, the valuation of STNE can be described as very cheap.
  • Based on the Price/Earnings ratio, STNE is valued a bit cheaper than 75.26% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of STNE to the average of the S&P500 Index (27.03), we can say STNE is valued rather cheaply.
  • A Price/Forward Earnings ratio of 6.93 indicates a rather cheap valuation of STNE.
  • 79.38% of the companies in the same industry are more expensive than STNE, based on the Price/Forward Earnings ratio.
  • STNE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.11.
Industry RankSector Rank
PE 7.94
Fwd PE 6.93
STNE Price Earnings VS Forward Price EarningsSTNE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 96.91% of the companies in the same industry are more expensive than STNE, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 3.18
STNE Per share dataSTNE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

  • STNE's 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 STNE's earnings are expected to grow with 14.96% in the coming years.
PEG (NY)0.55
PEG (5Y)0.34
EPS Next 2Y14.96%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. STNE Dividend Analysis

5.1 Amount

  • No dividends for STNE!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

STNE Fundamentals: All Metrics, Ratios and Statistics

STONECO LTD-A

NASDAQ:STNE (3/4/2026, 8:00:01 PM)

After market: 14.29 0 (0%)

14.29

+0.56 (+4.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-02
Earnings (Next)05-06
Inst Owners77.45%
Inst Owner Change-9.67%
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap3.88B
Revenue(TTM)N/A
Net Income(TTM)-1.10B
Analysts80
Price Target20.28 (41.92%)
Short Float %7.55%
Short Ratio3.75
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.81%
Min EPS beat(2)10.01%
Max EPS beat(2)13.61%
EPS beat(4)4
Avg EPS beat(4)11.04%
Min EPS beat(4)7.3%
Max EPS beat(4)13.61%
EPS beat(8)7
Avg EPS beat(8)8.65%
EPS beat(12)11
Avg EPS beat(12)9.03%
EPS beat(16)15
Avg EPS beat(16)35.81%
Revenue beat(2)0
Avg Revenue beat(2)-6.08%
Min Revenue beat(2)-8.93%
Max Revenue beat(2)-3.23%
Revenue beat(4)0
Avg Revenue beat(4)-3.91%
Min Revenue beat(4)-8.93%
Max Revenue beat(4)-1.46%
Revenue beat(8)0
Avg Revenue beat(8)-3.73%
Revenue beat(12)1
Avg Revenue beat(12)-1.69%
Revenue beat(16)4
Avg Revenue beat(16)4.83%
PT rev (1m)-3.59%
PT rev (3m)0.05%
EPS NQ rev (1m)-1%
EPS NQ rev (3m)-0.95%
EPS NY rev (1m)-0.25%
EPS NY rev (3m)2.65%
Revenue NQ rev (1m)-0.34%
Revenue NQ rev (3m)-2.16%
Revenue NY rev (1m)-1.35%
Revenue NY rev (3m)-1.84%
Valuation
Industry RankSector Rank
PE 7.94
Fwd PE 6.93
P/S 1.42
P/FCF N/A
P/OCF N/A
P/B 1.73
P/tB 2.08
EV/EBITDA 3.18
EPS(TTM)1.8
EY12.6%
EPS(NY)2.06
Fwd EY14.43%
FCF(TTM)-1.08
FCFYN/A
OCF(TTM)-0.23
OCFYN/A
SpS10.08
BVpS8.25
TBVpS6.88
PEG (NY)0.55
PEG (5Y)0.34
Graham Number18.28
Profitability
Industry RankSector Rank
ROA -1.88%
ROE -9.4%
ROCE 33.69%
ROIC 27.36%
ROICexc 42.12%
ROICexgc 48.97%
OM 50.44%
PM (TTM) N/A
GM 75.74%
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-Score4
Asset Turnover0.24
Health
Industry RankSector Rank
Debt/Equity 0.73
Debt/FCF N/A
Debt/EBITDA 1.03
Cap/Depr 119.64%
Cap/Sales 8.38%
Interest Coverage 7.63
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.43
Quick Ratio 1.43
Altman-Z 1.6
F-Score4
WACC9.5%
ROIC/WACC2.88
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)30.97%
EPS 3Y67.84%
EPS 5Y23.66%
EPS Q2Q%14.42%
EPS Next Y14.33%
EPS Next 2Y14.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-1.17%
Revenue Next Year6.82%
Revenue Next 2Y6.76%
Revenue Next 3Y8.41%
Revenue Next 5Y7.26%
EBIT growth 1Y15.35%
EBIT growth 3Y35.93%
EBIT growth 5Y33.96%
EBIT Next Year36.88%
EBIT Next 3Y12.14%
EBIT Next 5YN/A
FCF growth 1Y-215.82%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-113.89%
OCF growth 3YN/A
OCF growth 5YN/A

STONECO LTD-A / STNE FAQ

Can you provide the ChartMill fundamental rating for STONECO LTD-A?

ChartMill assigns a fundamental rating of 4 / 10 to STNE.


Can you provide the valuation status for STONECO LTD-A?

ChartMill assigns a valuation rating of 6 / 10 to STONECO LTD-A (STNE). This can be considered as Fairly Valued.


Can you provide the profitability details for STONECO LTD-A?

STONECO LTD-A (STNE) has a profitability rating of 4 / 10.


What are the PE and PB ratios of STONECO LTD-A (STNE) stock?

The Price/Earnings (PE) ratio for STONECO LTD-A (STNE) is 7.94 and the Price/Book (PB) ratio is 1.73.