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STONECO LTD-A (STNE) Stock Fundamental Analysis

NASDAQ:STNE - KYG851581069 - Common Stock

16.38 USD
+0.1 (+0.61%)
Last: 9/3/2025, 8:00:01 PM
16.49 USD
+0.11 (+0.67%)
After Hours: 9/3/2025, 8:00:01 PM
Fundamental Rating

5

Overall STNE gets a fundamental rating of 5 out of 10. We evaluated STNE against 102 industry peers in the Financial Services industry. STNE has only an average score on both its financial health and profitability. STNE 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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5

1. Profitability

1.1 Basic Checks

STNE had positive earnings in the past year.
In the past year STNE has reported a negative cash flow from operations.
The reported net income has been mixed in the past 5 years: STNE reported negative net income in multiple 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

The Return On Assets of STNE (-2.55%) is worse than 84.31% of its industry peers.
The Return On Equity of STNE (-12.03%) is worse than 83.33% of its industry peers.
STNE has a Return On Invested Capital of 24.75%. This is amongst the best in the industry. STNE outperforms 96.08% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for STNE is significantly above the industry average of 7.59%.
The last Return On Invested Capital (24.75%) for STNE 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%
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 47.59% is amongst the best of the industry. STNE outperforms 85.29% of its industry peers.
In the last couple of years the Operating Margin of STNE has declined.
STNE has a better Gross Margin (74.62%) than 82.35% of its industry peers.
In the last couple of years the Gross Margin of STNE 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%
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. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so STNE is creating value.
The number of shares outstanding for STNE has been reduced compared to 1 year ago.
Compared to 5 years ago, STNE has more shares outstanding
STNE has a worse debt/assets ratio than last year.
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 1.66, we must say that STNE is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.66, STNE is in the better half of the industry, outperforming 68.63% of the companies in the same industry.
A Debt/Equity ratio of 0.74 indicates that STNE is somewhat dependend on debt financing.
STNE has a Debt to Equity ratio (0.74) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF N/A
Altman-Z 1.66
ROIC/WACC2.63
WACC9.4%
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 1.39 indicates that STNE should not have too much problems paying its short term obligations.
STNE has a better Current ratio (1.39) than 63.73% of its industry peers.
STNE has a Quick Ratio of 1.39. This is a normal value and indicates that STNE is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.39, STNE is in the better half of the industry, outperforming 64.71% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.39
Quick Ratio 1.39
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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7

3. Growth

3.1 Past

STNE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.39%, which is quite impressive.
STNE shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.81% yearly.
Looking at the last year, STNE shows a quite strong growth in Revenue. The Revenue has grown by 8.83% in the last year.
The Revenue has been growing by 38.77% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)35.39%
EPS 3Y115.64%
EPS 5Y18.81%
EPS Q2Q%31.2%
Revenue 1Y (TTM)8.83%
Revenue growth 3Y29.32%
Revenue growth 5Y38.77%
Sales Q2Q%13.54%

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 19.41% yearly.
Based on estimates for the next years, STNE will show a quite strong growth in Revenue. The Revenue will grow by 8.67% on average per year.
EPS Next Y21.66%
EPS Next 2Y20.92%
EPS Next 3Y19.41%
EPS Next 5YN/A
Revenue Next Year13.59%
Revenue Next 2Y10.22%
Revenue Next 3Y8.67%
Revenue Next 5YN/A

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.
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 5B 10B 15B
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. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.85, which indicates a very decent valuation of STNE.
Based on the Price/Earnings ratio, STNE is valued a bit cheaper than the industry average as 68.63% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of STNE to the average of the S&P500 Index (26.84), we can say STNE is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.49, the valuation of STNE can be described as very reasonable.
67.65% of the companies in the same industry are more expensive than STNE, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.48. STNE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.85
Fwd PE 8.49
STNE Price Earnings VS Forward Price EarningsSTNE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of STNE indicates a rather cheap valuation: STNE is cheaper than 97.06% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 3.62
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 19.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)0.58
EPS Next 2Y20.92%
EPS Next 3Y19.41%

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0

5. Dividend

5.1 Amount

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

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STONECO LTD-A

NASDAQ:STNE (9/3/2025, 8:00:01 PM)

After market: 16.49 +0.11 (+0.67%)

16.38

+0.1 (+0.61%)

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 Owners83.23%
Inst Owner Change-5%
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap4.45B
Analysts82.22
Price Target16.92 (3.3%)
Short Float %7.86%
Short Ratio3.88
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)10.28%
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)-2.29%
Revenue beat(12)2
Avg Revenue beat(12)-0.53%
Revenue beat(16)5
Avg Revenue beat(16)2.87%
PT rev (1m)2.35%
PT rev (3m)12.23%
EPS NQ rev (1m)-0.14%
EPS NQ rev (3m)1.08%
EPS NY rev (1m)4.17%
EPS NY rev (3m)4.42%
Revenue NQ rev (1m)-1.22%
Revenue NQ rev (3m)-2.72%
Revenue NY rev (1m)-1.6%
Revenue NY rev (3m)-2.38%
Valuation
Industry RankSector Rank
PE 10.85
Fwd PE 8.49
P/S 1.76
P/FCF N/A
P/OCF N/A
P/B 2.13
P/tB 4.1
EV/EBITDA 3.62
EPS(TTM)1.51
EY9.22%
EPS(NY)1.93
Fwd EY11.77%
FCF(TTM)-1.2
FCFYN/A
OCF(TTM)-0.35
OCFYN/A
SpS9.31
BVpS7.68
TBVpS3.99
PEG (NY)0.5
PEG (5Y)0.58
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 1.66
F-Score3
WACC9.4%
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)35.39%
EPS 3Y115.64%
EPS 5Y18.81%
EPS Q2Q%31.2%
EPS Next Y21.66%
EPS Next 2Y20.92%
EPS Next 3Y19.41%
EPS Next 5YN/A
Revenue 1Y (TTM)8.83%
Revenue growth 3Y29.32%
Revenue growth 5Y38.77%
Sales Q2Q%13.54%
Revenue Next Year13.59%
Revenue Next 2Y10.22%
Revenue Next 3Y8.67%
Revenue Next 5YN/A
EBIT growth 1Y5.39%
EBIT growth 3Y35.93%
EBIT growth 5Y33.96%
EBIT Next Year40.9%
EBIT Next 3Y14.16%
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