STONECO LTD-A (STNE) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:STNE • KYG851581069

17.08 USD
+0.89 (+5.5%)
At close: Feb 6, 2026
17.19 USD
+0.11 (+0.64%)
Pre-Market: 2/9/2026, 8:34:37 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

STNE gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 96 industry peers in the Financial Services industry. STNE has an average financial health and profitability rating. STNE has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • STNE had positive earnings in the past year.
  • STNE had a positive operating cash flow in the past year.
  • In multiple years STNE reported negative net income over the last 5 years.
  • STNE had a positive operating cash flow in 4 of the past 5 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

  • Looking at the Return On Assets, with a value of -2.31%, STNE is doing worse than 80.21% of the companies in the same industry.
  • The Return On Equity of STNE (-10.99%) is worse than 81.25% of its industry peers.
  • STNE has a better Return On Invested Capital (25.97%) than 95.83% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for STNE is significantly above the industry average of 8.60%.
  • The 3 year average ROIC (23.17%) for STNE is below the current ROIC(25.97%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA -2.31%
ROE -10.99%
ROIC 25.97%
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 has a better Operating Margin (48.58%) than 86.46% of its industry peers.
  • In the last couple of years the Operating Margin of STNE has declined.
  • Looking at the Gross Margin, with a value of 75.09%, STNE belongs to the top of the industry, outperforming 81.25% of the companies in the same industry.
  • In the last couple of years the Gross Margin of STNE has declined.
Industry RankSector Rank
OM 48.58%
PM (TTM) N/A
GM 75.09%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), STNE is creating value.
  • Compared to 1 year ago, STNE has less shares outstanding
  • STNE has more 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 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

  • Based on the Altman-Z score of 1.73, we must say that STNE is in the distress zone and has some risk of bankruptcy.
  • With a decent Altman-Z score value of 1.73, STNE is doing good in the industry, outperforming 73.96% of the companies in the same industry.
  • A Debt/Equity ratio of 0.76 indicates that STNE is somewhat dependend on debt financing.
  • STNE's Debt to Equity ratio of 0.76 is in line compared to the rest of the industry. STNE outperforms 50.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF N/A
Altman-Z 1.73
ROIC/WACC2.63
WACC9.87%
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

  • STNE has a Current Ratio of 1.48. 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 Current ratio of 1.48. This is in the better half of the industry: STNE outperforms 68.75% of its industry peers.
  • A Quick Ratio of 1.48 indicates that STNE should not have too much problems paying its short term obligations.
  • The Quick ratio of STNE (1.48) is better than 69.79% of its industry peers.
Industry RankSector Rank
Current Ratio 1.48
Quick Ratio 1.48
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

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 35.86% over the past year.
  • The Earnings Per Share has been growing by 18.81% on average over the past years. This is quite good.
  • STNE shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.83%.
  • The Revenue has been growing by 38.77% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)35.86%
EPS 3Y115.64%
EPS 5Y18.81%
EPS Q2Q%33.16%
Revenue 1Y (TTM)8.83%
Revenue growth 3Y29.32%
Revenue growth 5Y38.77%
Sales Q2Q%6.24%

3.2 Future

  • Based on estimates for the next years, STNE will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.91% on average per year.
  • Based on estimates for the next years, STNE will show a small growth in Revenue. The Revenue will grow by 7.27% on average per year.
EPS Next Y32.19%
EPS Next 2Y21.43%
EPS Next 3Y18.91%
EPS Next 5YN/A
Revenue Next Year7.67%
Revenue Next 2Y7.08%
Revenue Next 3Y6.78%
Revenue Next 5Y7.27%

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.
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.82, which indicates a very decent valuation of STNE.
  • STNE's Price/Earnings ratio is a bit cheaper when compared to the industry. STNE is cheaper than 63.54% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.93, STNE is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.40, which indicates a very decent valuation of STNE.
  • STNE's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. STNE is cheaper than 64.58% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.77. STNE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.82
Fwd PE 8.4
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 cheaper than 96.88% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 3.71
STNE Per share dataSTNE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

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.
  • STNE's earnings are expected to grow with 18.91% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)0.52
EPS Next 2Y21.43%
EPS Next 3Y18.91%

More info and screens

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

0

5. Dividend

5.1 Amount

  • STNE does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

STONECO LTD-A

NASDAQ:STNE (2/6/2026, 8:07:21 PM)

Premarket: 17.19 +0.11 (+0.64%)

17.08

+0.89 (+5.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06
Earnings (Next)03-02
Inst Owners77.45%
Inst Owner Change-0.01%
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap4.64B
Revenue(TTM)13.26B
Net Income(TTM)-1.27B
Analysts81.18
Price Target20.24 (18.5%)
Short Float %8.5%
Short Ratio3.14
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)10.46%
Min EPS beat(2)7.3%
Max EPS beat(2)13.61%
EPS beat(4)4
Avg EPS beat(4)10.33%
Min EPS beat(4)7.13%
Max EPS beat(4)13.61%
EPS beat(8)7
Avg EPS beat(8)9.4%
EPS beat(12)11
Avg EPS beat(12)15.44%
EPS beat(16)14
Avg EPS beat(16)33.37%
Revenue beat(2)0
Avg Revenue beat(2)-5.47%
Min Revenue beat(2)-8.93%
Max Revenue beat(2)-2.01%
Revenue beat(4)0
Avg Revenue beat(4)-3.78%
Min Revenue beat(4)-8.93%
Max Revenue beat(4)-1.46%
Revenue beat(8)0
Avg Revenue beat(8)-3.35%
Revenue beat(12)1
Avg Revenue beat(12)-1.49%
Revenue beat(16)5
Avg Revenue beat(16)5.25%
PT rev (1m)-3.78%
PT rev (3m)10.87%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.25%
EPS NY rev (3m)2.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-1.8%
Revenue NY rev (3m)-1.55%
Valuation
Industry RankSector Rank
PE 9.82
Fwd PE 8.4
P/S 1.72
P/FCF N/A
P/OCF 41.9
P/B 2.1
P/tB 2.52
EV/EBITDA 3.71
EPS(TTM)1.74
EY10.19%
EPS(NY)2.03
Fwd EY11.9%
FCF(TTM)-0.46
FCFYN/A
OCF(TTM)0.41
OCFY2.39%
SpS9.94
BVpS8.13
TBVpS6.79
PEG (NY)0.3
PEG (5Y)0.52
Graham Number17.84
Profitability
Industry RankSector Rank
ROA -2.31%
ROE -10.99%
ROCE 31.98%
ROIC 25.97%
ROICexc 38.66%
ROICexgc 44.57%
OM 48.58%
PM (TTM) N/A
GM 75.09%
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-Score6
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF N/A
Debt/EBITDA 1.12
Cap/Depr 118.31%
Cap/Sales 8.68%
Interest Coverage 8.05
Cash Conversion 7.33%
Profit Quality N/A
Current Ratio 1.48
Quick Ratio 1.48
Altman-Z 1.73
F-Score6
WACC9.87%
ROIC/WACC2.63
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)35.86%
EPS 3Y115.64%
EPS 5Y18.81%
EPS Q2Q%33.16%
EPS Next Y32.19%
EPS Next 2Y21.43%
EPS Next 3Y18.91%
EPS Next 5YN/A
Revenue 1Y (TTM)8.83%
Revenue growth 3Y29.32%
Revenue growth 5Y38.77%
Sales Q2Q%6.24%
Revenue Next Year7.67%
Revenue Next 2Y7.08%
Revenue Next 3Y6.78%
Revenue Next 5Y7.27%
EBIT growth 1Y9.77%
EBIT growth 3Y35.93%
EBIT growth 5Y33.96%
EBIT Next Year36.99%
EBIT Next 3Y12.69%
EBIT Next 5YN/A
FCF growth 1Y-155.72%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-73.35%
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 5 / 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 5 / 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 9.82 and the Price/Book (PB) ratio is 2.1.