14.14 USD
-0.16 (-1.12%)
14.4007 USD
+0.26 (+1.84%)
Taking everything into account, STNE scores 5 out of 10 in our fundamental rating. STNE was compared to 99 industry peers in the Financial Services industry. STNE has only an average score on both its financial health and profitability. STNE is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
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.
STNE had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of -2.31%, STNE is doing worse than 79.80% of the companies in the same industry.
STNE has a worse Return On Equity (-10.99%) than 80.81% of its industry peers.
The Return On Invested Capital of STNE (25.97%) is better than 95.96% 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 8.44%.
The 3 year average ROIC (23.17%) for STNE is below the current ROIC(25.97%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
STNE has a better Operating Margin (48.58%) than 86.87% of its industry peers.
In the last couple of years the Operating Margin of STNE has declined.
With an excellent Gross Margin value of 75.09%, STNE belongs to the best of the industry, outperforming 81.82% of the companies in the same industry.
In the last couple of years the Gross Margin of STNE has declined.
| Industry Rank | Sector 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%
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.
STNE has less shares outstanding than it did 1 year ago.
STNE has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, STNE has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.69, we must say that STNE is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of STNE (1.69) is better than 69.70% of its industry peers.
A Debt/Equity ratio of 0.76 indicates that STNE is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.76, STNE is in line with its industry, outperforming 50.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.69 |
ROIC/WACC3.4
WACC7.63%
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 better Current ratio (1.48) than 68.69% of its industry peers.
STNE has a Quick 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.
Looking at the Quick ratio, with a value of 1.48, STNE is in the better half of the industry, outperforming 69.70% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.48 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 35.86% over the past year.
Measured over the past years, STNE shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.81% on average per year.
Looking at the last year, STNE shows a quite strong growth in Revenue. The Revenue has grown by 8.83% in the last year.
Measured over the past years, STNE shows a very strong growth in Revenue. The Revenue has been growing by 38.77% on average per year.
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
The Earnings Per Share is expected to grow by 21.06% on average over the next years. This is a very strong growth
Based on estimates for the next years, STNE will show a small growth in Revenue. The Revenue will grow by 7.19% on average per year.
EPS Next Y33.89%
EPS Next 2Y24.31%
EPS Next 3Y21.06%
EPS Next 5YN/A
Revenue Next Year10.2%
Revenue Next 2Y8.52%
Revenue Next 3Y7.45%
Revenue Next 5Y7.19%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 8.57, the valuation of STNE can be described as very reasonable.
74.75% of the companies in the same industry are more expensive than STNE, based on the Price/Earnings ratio.
STNE is valuated cheaply when we compare the Price/Earnings ratio to 26.61, which is the current average of the S&P500 Index.
STNE is valuated cheaply with a Price/Forward Earnings ratio of 7.01.
Compared to the rest of the industry, the Price/Forward Earnings ratio of STNE indicates a somewhat cheap valuation: STNE is cheaper than 76.77% of the companies listed in the same industry.
STNE is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.01, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.57 | ||
| Fwd PE | 7.01 |
4.2 Price Multiples
96.97% of the companies in the same industry are more expensive than STNE, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 3.32 |
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 STNE's earnings are expected to grow with 21.06% in the coming years.
PEG (NY)0.25
PEG (5Y)0.46
EPS Next 2Y24.31%
EPS Next 3Y21.06%
5. Dividend
5.1 Amount
STNE does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
14.14
-0.16 (-1.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners76.45%
Inst Owner Change-3.88%
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap3.84B
Revenue(TTM)13.26B
Net Income(TTM)-1.27B
Analysts82.22
Price Target20.27 (43.35%)
Short Float %7.55%
Short Ratio2.81
Dividend
| Industry Rank | Sector 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)11.03%
PT rev (3m)15.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.66%
EPS NY rev (1m)3.98%
EPS NY rev (3m)10.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.35%
Revenue NY rev (1m)0.76%
Revenue NY rev (3m)-0.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.57 | ||
| Fwd PE | 7.01 | ||
| P/S | 1.5 | ||
| P/FCF | N/A | ||
| P/OCF | 36.62 | ||
| P/B | 1.84 | ||
| P/tB | 2.2 | ||
| EV/EBITDA | 3.32 |
EPS(TTM)1.65
EY11.67%
EPS(NY)2.02
Fwd EY14.27%
FCF(TTM)-0.43
FCFYN/A
OCF(TTM)0.39
OCFY2.73%
SpS9.42
BVpS7.7
TBVpS6.43
PEG (NY)0.25
PEG (5Y)0.46
Graham Number16.91
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.69 |
F-Score6
WACC7.63%
ROIC/WACC3.4
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 Y33.89%
EPS Next 2Y24.31%
EPS Next 3Y21.06%
EPS Next 5YN/A
Revenue 1Y (TTM)8.83%
Revenue growth 3Y29.32%
Revenue growth 5Y38.77%
Sales Q2Q%6.24%
Revenue Next Year10.2%
Revenue Next 2Y8.52%
Revenue Next 3Y7.45%
Revenue Next 5Y7.19%
EBIT growth 1Y9.77%
EBIT growth 3Y35.93%
EBIT growth 5Y33.96%
EBIT Next Year40.8%
EBIT Next 3Y13.61%
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.
What is the valuation status for STNE stock?
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.
Can you provide the PE and PB ratios for STNE stock?
The Price/Earnings (PE) ratio for STONECO LTD-A (STNE) is 8.57 and the Price/Book (PB) ratio is 1.84.