15.08 USD
+0.11 (+0.73%)
15.1 USD
+0.02 (+0.13%)
We assign a fundamental rating of 5 out of 10 to STNE. STNE was compared to 98 industry peers in the Financial Services industry. Both the profitability and the financial health of STNE get a neutral evaluation. Nothing too spectacular is happening here. 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.
In the past year STNE had a positive cash flow from operations.
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.
1.2 Ratios
STNE has a Return On Assets of -2.31%. This is amonst the worse of the industry: STNE underperforms 82.65% of its industry peers.
STNE has a worse Return On Equity (-10.99%) than 82.65% of its industry peers.
STNE has a Return On Invested Capital of 25.97%. This is amongst the best in the industry. STNE outperforms 95.92% of its industry peers.
STNE had an Average Return On Invested Capital over the past 3 years of 23.17%. This is significantly above the industry average of 8.20%.
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
The Operating Margin of STNE (48.58%) is better than 86.73% of its industry peers.
In the last couple of years the Operating Margin of STNE has declined.
The Gross Margin of STNE (75.09%) is better than 81.63% of its industry peers.
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
STNE has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, STNE has less shares outstanding
The number of shares outstanding for STNE has been increased compared to 5 years ago.
STNE has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.70, 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 1.70, STNE is in the better half of the industry, outperforming 69.39% of the companies in the same industry.
STNE has a Debt/Equity ratio of 0.76. This is a neutral value indicating STNE is somewhat dependend on debt financing.
STNE has a Debt to Equity ratio (0.76) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.7 |
ROIC/WACC3.44
WACC7.54%
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 68.37% 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.
STNE has a better Quick ratio (1.48) than 69.39% of its industry peers.
| 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
STNE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.22% yearly.
STNE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.01% yearly.
EPS Next Y28.77%
EPS Next 2Y22.99%
EPS Next 3Y20.22%
EPS Next 5YN/A
Revenue Next Year9.36%
Revenue Next 2Y8.45%
Revenue Next 3Y7.43%
Revenue Next 5Y7.01%
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.
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
STNE is valuated reasonably with a Price/Earnings ratio of 8.87.
STNE's Price/Earnings ratio is a bit cheaper when compared to the industry. STNE is cheaper than 70.41% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.65, STNE is valued rather cheaply.
A Price/Forward Earnings ratio of 7.43 indicates a rather cheap valuation of STNE.
Based on the Price/Forward Earnings ratio, STNE is valued a bit cheaper than the industry average as 69.39% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.45, STNE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.87 | ||
| Fwd PE | 7.43 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, STNE is valued cheaper than 96.94% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 3.43 |
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.
STNE's earnings are expected to grow with 20.22% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)0.47
EPS Next 2Y22.99%
EPS Next 3Y20.22%
5. Dividend
5.1 Amount
No dividends for STNE!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
15.08
+0.11 (+0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners78.61%
Inst Owner Change-3.89%
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap4.09B
Revenue(TTM)13.26B
Net Income(TTM)-1.27B
Analysts82.35
Price Target20.27 (34.42%)
Short Float %6.24%
Short Ratio3
Dividend
| Industry Rank | Sector 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)10.46%
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)15.17%
PT rev (3m)19.8%
EPS NQ rev (1m)0.44%
EPS NQ rev (3m)4.57%
EPS NY rev (1m)0.39%
EPS NY rev (3m)5.84%
Revenue NQ rev (1m)0.35%
Revenue NQ rev (3m)-5.12%
Revenue NY rev (1m)-0.51%
Revenue NY rev (3m)-3.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.87 | ||
| Fwd PE | 7.43 | ||
| P/S | 1.56 | ||
| P/FCF | N/A | ||
| P/OCF | 38.02 | ||
| P/B | 1.91 | ||
| P/tB | 2.28 | ||
| EV/EBITDA | 3.43 |
EPS(TTM)1.7
EY11.27%
EPS(NY)2.03
Fwd EY13.46%
FCF(TTM)-0.44
FCFYN/A
OCF(TTM)0.4
OCFY2.63%
SpS9.67
BVpS7.91
TBVpS6.61
PEG (NY)0.31
PEG (5Y)0.47
Graham Number17.4
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 | 1.7 |
F-Score6
WACC7.54%
ROIC/WACC3.44
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 Y28.77%
EPS Next 2Y22.99%
EPS Next 3Y20.22%
EPS Next 5YN/A
Revenue 1Y (TTM)8.83%
Revenue growth 3Y29.32%
Revenue growth 5Y38.77%
Sales Q2Q%6.24%
Revenue Next Year9.36%
Revenue Next 2Y8.45%
Revenue Next 3Y7.43%
Revenue Next 5Y7.01%
EBIT growth 1Y9.77%
EBIT growth 3Y35.93%
EBIT growth 5Y33.96%
EBIT Next Year38.41%
EBIT Next 3Y13.31%
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 8.87 and the Price/Book (PB) ratio is 1.91.