STONECO LTD-A (STNE) Fundamental Analysis & Valuation

NASDAQ:STNE • KYG851581069

Current stock price

12.22 USD
-2.33 (-16.01%)
At close:
12.3 USD
+0.08 (+0.65%)
After Hours:

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

7

1. STNE Profitability Analysis

1.1 Basic Checks

  • In the past year STNE was profitable.
  • STNE had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: STNE reported negative net income in multiple years.
  • Of the past 5 years STNE 4 years had a positive operating cash flow.
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 2025 0 5B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 3.72%, STNE is in the better half of the industry, outperforming 72.73% of the companies in the same industry.
  • STNE has a better Return On Equity (21.10%) than 84.85% of its industry peers.
  • With an excellent Return On Invested Capital value of 28.78%, STNE belongs to the best of the industry, outperforming 96.97% 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 8.00%.
Industry RankSector Rank
ROA 3.72%
ROE 21.1%
ROIC 28.78%
ROA(3y)1.41%
ROA(5y)-0.05%
ROE(3y)6.37%
ROE(5y)1.01%
ROIC(3y)30.51%
ROIC(5y)24.65%
STNE Yearly ROA, ROE, ROICSTNE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20

1.3 Margins

  • Looking at the Profit Margin, with a value of 16.04%, STNE is in the better half of the industry, outperforming 65.66% of the companies in the same industry.
  • In the last couple of years the Profit Margin of STNE has declined.
  • STNE has a better Operating Margin (50.41%) than 87.88% of its industry peers.
  • STNE's Operating Margin has improved in the last couple of years.
  • STNE's Gross Margin of 75.71% is amongst the best of the industry. STNE outperforms 82.83% of its industry peers.
  • In the last couple of years the Gross Margin of STNE has remained more or less at the same level.
Industry RankSector Rank
OM 50.41%
PM (TTM) 16.04%
GM 75.71%
OM growth 3Y5.72%
OM growth 5Y3.05%
PM growth 3YN/A
PM growth 5Y-8.69%
GM growth 3Y1.42%
GM growth 5Y-0.13%
STNE Yearly Profit, Operating, Gross MarginsSTNE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 60 80

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4

2. STNE Health Analysis

2.1 Basic Checks

  • STNE has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • The number of shares outstanding for STNE has been reduced compared to 1 year ago.
  • STNE has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, STNE has a worse debt to assets ratio.
STNE Yearly Shares OutstandingSTNE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 20B 40B 60B

2.2 Solvency

  • Based on the Altman-Z score of 1.48, we must say that STNE is in the distress zone and has some risk of bankruptcy.
  • STNE has a Altman-Z score of 1.48. This is in the better half of the industry: STNE outperforms 70.71% of its industry peers.
  • A Debt/Equity ratio of 0.81 indicates that STNE is somewhat dependend on debt financing.
  • The Debt to Equity ratio of STNE (0.81) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.81
Debt/FCF N/A
Altman-Z 1.48
ROIC/WACC3.52
WACC8.18%
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 2025 0 5B 10B

2.3 Liquidity

  • STNE has a Current Ratio of 1.37. This is a normal value and indicates that STNE is financially healthy and should not expect problems in meeting its short term obligations.
  • The Current ratio of STNE (1.37) is better than 65.66% of its industry peers.
  • A Quick Ratio of 1.37 indicates that STNE should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.37, STNE is doing good in the industry, outperforming 67.68% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.37
Quick Ratio 1.37
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 2025 10B 20B 30B 40B 50B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. STNE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 34.90% over the past year.
  • The Earnings Per Share has been growing by 24.39% on average over the past years. This is a very strong growth
  • The Revenue has grown by 9.09% in the past year. This is quite good.
  • The Revenue has been growing by 33.74% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)34.9%
EPS 3Y69.5%
EPS 5Y24.39%
EPS Q2Q%26.99%
Revenue 1Y (TTM)9.09%
Revenue growth 3Y12.6%
Revenue growth 5Y33.74%
Sales Q2Q%3.21%

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 Y12.24%
EPS Next 2Y14.32%
EPS Next 3Y14.96%
EPS Next 5YN/A
Revenue Next Year5.21%
Revenue Next 2Y5.63%
Revenue Next 3Y0.17%
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.
  • 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.
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 2028 5 10

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7

4. STNE Valuation Analysis

4.1 Price/Earnings Ratio

  • STNE is valuated cheaply with a Price/Earnings ratio of 6.23.
  • Compared to the rest of the industry, the Price/Earnings ratio of STNE indicates a somewhat cheap valuation: STNE is cheaper than 77.78% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of STNE to the average of the S&P500 Index (27.47), we can say STNE is valued rather cheaply.
  • The Price/Forward Earnings ratio is 5.55, which indicates a rather cheap valuation of STNE.
  • STNE's Price/Forward Earnings ratio is rather cheap when compared to the industry. STNE is cheaper than 82.83% of the companies in the same industry.
  • STNE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.62.
Industry RankSector Rank
PE 6.23
Fwd PE 5.55
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

  • Based on the Enterprise Value to EBITDA ratio, STNE is valued cheaply inside the industry as 96.97% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 2.96
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.
  • The decent profitability rating of STNE may justify a higher PE ratio.
  • A more expensive valuation may be justified as STNE's earnings are expected to grow with 14.96% in the coming years.
PEG (NY)0.51
PEG (5Y)0.26
EPS Next 2Y14.32%
EPS Next 3Y14.96%

More info and screens

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

3

5. STNE Dividend Analysis

5.1 Amount

  • STNE has a Yearly Dividend Yield of 3.37%.
  • The stock price of STNE dropped by -23.58% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • Compared to an average industry Dividend Yield of 1.82, STNE pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, STNE pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.37%

5.2 History

  • STNE does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
STNE Yearly Dividends per shareSTNE Yearly Dividends per shareYearly Dividends per share 2026 0.5 1 1.5 2 2.5

5.3 Sustainability

DPN/A
EPS Next 2Y14.32%
EPS Next 3Y14.96%
STNE Yearly Income VS Free CF VS DividendSTNE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B -4B

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STNE Fundamentals: All Metrics, Ratios and Statistics

STONECO LTD-A

NASDAQ:STNE (4/24/2026, 4:37:49 PM)

After market: 12.3 +0.08 (+0.65%)

12.22

-2.33 (-16.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-02
Earnings (Next)05-14
Inst Owners83.59%
Inst Owner Change-0.03%
Ins Owners0.63%
Ins Owner Change0%
Market Cap3.00B
Revenue(TTM)14.46B
Net Income(TTM)2.32B
Analysts80
Price Target19.96 (63.34%)
Short Float %8.42%
Short Ratio3.61
Dividend
Industry RankSector Rank
Dividend Yield 3.37%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date04-24
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.57%
Min EPS beat(2)7.13%
Max EPS beat(2)10.01%
EPS beat(4)4
Avg EPS beat(4)9.51%
Min EPS beat(4)7.13%
Max EPS beat(4)13.61%
EPS beat(8)7
Avg EPS beat(8)7.41%
EPS beat(12)11
Avg EPS beat(12)8.63%
EPS beat(16)15
Avg EPS beat(16)26.73%
Revenue beat(2)0
Avg Revenue beat(2)-3.29%
Min Revenue beat(2)-3.34%
Max Revenue beat(2)-3.23%
Revenue beat(4)0
Avg Revenue beat(4)-4.38%
Min Revenue beat(4)-8.93%
Max Revenue beat(4)-2.01%
Revenue beat(8)0
Avg Revenue beat(8)-3.3%
Revenue beat(12)0
Avg Revenue beat(12)-2.87%
Revenue beat(16)3
Avg Revenue beat(16)-0.52%
PT rev (1m)-1.62%
PT rev (3m)-5.15%
EPS NQ rev (1m)-4.6%
EPS NQ rev (3m)-6.61%
EPS NY rev (1m)1.12%
EPS NY rev (3m)1.73%
Revenue NQ rev (1m)-1.55%
Revenue NQ rev (3m)-4.53%
Revenue NY rev (1m)-0.91%
Revenue NY rev (3m)-2.82%
Valuation
Industry RankSector Rank
PE 6.23
Fwd PE 5.55
P/S 1.03
P/FCF N/A
P/OCF 21.98
P/B 1.35
P/tB 1.65
EV/EBITDA 2.96
EPS(TTM)1.96
EY16.04%
EPS(NY)2.2
Fwd EY18.03%
FCF(TTM)-0.42
FCFYN/A
OCF(TTM)0.56
OCFY4.55%
SpS11.88
BVpS9.04
TBVpS7.4
PEG (NY)0.51
PEG (5Y)0.26
Graham Number19.9612 (63.35%)
Profitability
Industry RankSector Rank
ROA 3.72%
ROE 21.1%
ROCE 34.57%
ROIC 28.78%
ROICexc 45.65%
ROICexgc 53.67%
OM 50.41%
PM (TTM) 16.04%
GM 75.71%
FCFM N/A
ROA(3y)1.41%
ROA(5y)-0.05%
ROE(3y)6.37%
ROE(5y)1.01%
ROIC(3y)30.51%
ROIC(5y)24.65%
ROICexc(3y)76.82%
ROICexc(5y)55.24%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)36.65%
ROCE(5y)29.61%
ROICexgc growth 3Y-19.69%
ROICexgc growth 5Y24.33%
ROICexc growth 3Y15.37%
ROICexc growth 5Y23.86%
OM growth 3Y5.72%
OM growth 5Y3.05%
PM growth 3YN/A
PM growth 5Y-8.69%
GM growth 3Y1.42%
GM growth 5Y-0.13%
F-Score6
Asset Turnover0.23
Health
Industry RankSector Rank
Debt/Equity 0.81
Debt/FCF N/A
Debt/EBITDA 1.08
Cap/Depr 118.52%
Cap/Sales 8.22%
Interest Coverage 5.98
Cash Conversion 8.16%
Profit Quality N/A
Current Ratio 1.37
Quick Ratio 1.37
Altman-Z 1.48
F-Score6
WACC8.18%
ROIC/WACC3.52
Cap/Depr(3y)130.1%
Cap/Depr(5y)147.32%
Cap/Sales(3y)10.07%
Cap/Sales(5y)11.74%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)34.9%
EPS 3Y69.5%
EPS 5Y24.39%
EPS Q2Q%26.99%
EPS Next Y12.24%
EPS Next 2Y14.32%
EPS Next 3Y14.96%
EPS Next 5YN/A
Revenue 1Y (TTM)9.09%
Revenue growth 3Y12.6%
Revenue growth 5Y33.74%
Sales Q2Q%3.21%
Revenue Next Year5.21%
Revenue Next 2Y5.63%
Revenue Next 3Y0.17%
Revenue Next 5Y7.26%
EBIT growth 1Y16.96%
EBIT growth 3Y19.04%
EBIT growth 5Y37.83%
EBIT Next Year23.46%
EBIT Next 3Y0.49%
EBIT Next 5YN/A
FCF growth 1Y89.54%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y118.68%
OCF growth 3Y-26.21%
OCF growth 5Y64.31%

STONECO LTD-A / STNE Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 6 / 10 to STNE.


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

ChartMill assigns a valuation rating of 7 / 10 to STONECO LTD-A (STNE). This can be considered as Undervalued.


What is the profitability of STNE stock?

STONECO LTD-A (STNE) has a profitability rating of 7 / 10.


What is the expected EPS growth for STONECO LTD-A (STNE) stock?

The Earnings per Share (EPS) of STONECO LTD-A (STNE) is expected to grow by 12.24% in the next year.