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StoneCo Ltd.

STNE Technology Software Infrastructure

StoneCo Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $2.5 billion, up 3.13% from fiscal 2024.

Revenue
+14.9%
EPS
−2.63%
Free cash flow
+2,108.8%
Total debt
+30.7%

Quarter to June 2026, against a year earlier

7.72 0.33 +4.47%
Market cap
$1.8B
P/E
2.9×
Fwd P/E
3.0×
Dividend yield
0.00%
F-score
5/9
Altman Z
1.21
Beneish M
−2.25
Dividend safety
41/100
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.22
Sold, $m 0.41
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — 1 — — — — — —
Sell — — — 1 — — 1 — — 1 — —
Insider Ownership 8.02%

Capital & Financial Ratios $m

Size
Market Cap 1,800.00
Revenue ttm 2,679.99
Net income ttm 649.03
Free cash flow ttm 728.82
Net debt Q 1,275.09
Valuation
P/E 2.93
Forward P/E 2.97
Price / sales 0.66
Forward P/S Powerpack
Price / FCF 2.43
Price / book 0.99
Financial health
Current ratio Q 1.26
Debt / equity Q 1.80
Interest coverage Q 1.45
Growth
Revenue growth Q +14.89% (above 0%: growing)
Operating income growth Q −1.26% (below 0%: shrinking)
EPS, this year +7.64%
EPS, next year A +7.55%
Revenue, next year A +9.81%
EPS, past 5 yrs +21.67% (at or above 15%: strong)
EPS, next 5 yrs A +5.92%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is 1.1×, against a ten-year median of 2.0×; over the ten years it ranged from 0.8× in 2023 to 35.9× in 2021.
P/E against its own 10 years 0.08%
10-year low 10-year high
P/S against its own 10 years 0.05%
10-year low 10-year high
P/B against its own 10 years 1.57%
10-year low 10-year high
EV/Sales against its own 10 years 10.18%
10-year low 10-year high
EV/FCF against its own 10 years 11.05%
10-year low 10-year high

Dividends

Yield
0.00%
Annual rate
0.00
Payout ratio
0.00%
  1. 2.03 ’26e
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 2,416 2,727 1,407 1,944
Receivables 4,908 5,561 7,556 7,395
Inventory — — — —
Other 76 69 67 100
7,442 8,522 10,110 9,959
2023 2024 2025 Q'26
Payables 3,941 3,417 3,390 3,639
ST’ Debt 275 921 1,548 1,709
Other 1,517 1,775 2,138 2,345
5,837 6,217 7,380 7,892

Compound Annual Growth %

10y 5y 3y
Sales — 31.53% 10.92%
Cash Flow — 61.71% (28.11%)
Earnings — 20.77% 0.00%
Book Value — (7.44%) (7.64%)

Earnings Trends EPS, adjusted, against the consensus

Jun 2026 Estimate 0.46 Actual 0.47

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Sep 2025 0.43 0.43 Met by 0.00
Dec 2025 0.48 0.50 Beat by 0.02
Mar 2026 0.42 0.42 Met by 0.00
Jun 2026 0.46 0.47 Beat by 0.01
Sep 2026 0.49 — Reports 12 November 2026

EPS $

Mar Jun Sep Dec Year
’26 1.28 0.36 — — —
’25 0.31 0.38 0.48 0.36 1.52
’24 0.24 0.30 0.32 (1.71) (0.92)
’23 0.14 0.18 0.27 0.42 1.02
’22 (0.19) (0.32) 0.12 0.05 (0.32)
’21 0.09 0.32 (0.78) (0.46) (0.82)
’20 0.13 0.09 0.16 0.19 0.57
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 679 710 — — —
’25 626 618 655 636 2,535
’24 623 614 605 616 2,458
’23 522 597 643 653 2,415
’22 396 468 479 514 1,857
’21 159 116 281 338 894
’20 162 124 174 184 644
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 635 363 — — —
’25 107 72 (185) 127 121
’24 (499) (112) 12 (73) (671)
’23 225 179 19 (93) 330
’22 152 155 (51) 70 326
’21 (16) 249 344 92 668
’20 82 195 (311) 46 11
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 581 311 — — —
’25 57 14 (239) 76 (92)
’24 (561) (174) (34) (138) (907)
’23 145 108 (20) (146) 88
’22 106 112 (66) 39 191
’21 (85) 205 313 (5) 428
’20 57 179 (345) 33 (76)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 50 103 432 653 644 894 1,857 2,415 2,458 2,535 2,680 +54.5% 2,784 2,909 3,070 +6.6%
Gross margin, % 11.25 24.02 79.54 83.43 76.81 64.47 72.16 75.26 74.44 76.22 73.59 +65.0 pt
EBT (43) (30) 121 276 219 (268) (75) 395 (189) 500 485 n/m
EBT margin, % (84.91) (28.97) 28.01 42.34 33.97 (29.97) (4.04) 16.35 (7.68) 19.71 18.09 +104.6 pt
Net income (34) 0 84 204 162 (255) (102) 321 (279) 419 649 n/m
Per share, $
Per share, $ Revenue 0.18 0.37 1.86 2.35 2.23 2.89 5.96 7.72 8.15 9.50 11.19 +55.2%
Earnings (0.12) (0.12) 0.34 0.70 0.57 (0.82) (0.32) 1.02 (0.92) 1.57 2.53 n/m
Cash flow (0.51) (1.45) (2.84) (2.42) 0.04 2.16 1.05 1.06 (2.23) 0.45 3.93 n/m
Capex 0.00 0.00 (0.20) (0.36) (0.30) (0.78) (0.43) (0.78) (0.78) (0.80) (0.88) n/m
Free cash flow (0.51) (1.45) (3.05) (2.79) (0.26) 1.38 0.61 0.28 (3.01) (0.34) 3.04 (4.3%)
Book value 0.59 0.51 5.99 5.46 10.05 8.15 8.04 9.40 7.27 7.41 7.47 +32.5%
Shares, m 278 278 232 277 289 309 312 313 302 267 255 (0.4%)
Valuation, ×
Valuation, × P/E 313.50 313.50 76.83 54.64 147.23 0.00 0.00 17.16 0.00 9.60 2.93 93.2
P/S 0.00 0.00 0.00 16.95 37.69 5.83 1.42 2.29 0.98 1.56 0.66 6.7
P/B 0.00 0.00 3.24 7.31 8.35 2.07 1.05 1.88 1.10 2.00 0.99 2.7
EV/Sales 0.00 0.00 0.00 16.60 35.01 5.22 0.96 1.70 0.84 2.24 1.14 6.3
EV/FCF 0.00 0.00 0.00 (14.02) (296.89) 10.91 9.37 46.88 (2.28) (62.04) 4.18 (30.8)
Cash, $m
Cash, $m Operating cash flow (142) (402) (661) (672) 11 668 326 330 (671) 121 940 n/m
Capex (12) (51) (47) (101) (87) (241) (135) (242) (235) (213) (211) +37.2%
Free cash flow (142) (402) (708) (773) (76) 428 191 88 (907) (92) 729 (4.7%)
Balance, $m
Balance, $m Working capital 61 656 1,746 1,655 3,084 1,329 1,062 1,604 2,305 2,730 2,067 +52.6%
Net debt (60) 374 (631) (224) (1,728) (541) (850) (1,411) (336) 1,742 1,275 n/m
Shareholders’ equity 163 141 1,393 1,514 2,908 2,519 2,508 2,940 2,193 1,976 1,789 +31.9%
Returns, %
Returns, % ROA (2.11) (5.66) 3.42 4.73 2.98 (3.61) (1.26) 3.56 (2.82) 3.99 6.10 +6.1 pt
ROIC 0.00 0.00 16.69 17.75 15.15 6.43 29.08 48.69 16.70 21.89 27.16 +21.9 pt
ROE (22.06) (21.98) 10.74 14.00 7.49 (9.28) (4.00) 11.71 (10.95) 20.42 33.67 +42.5 pt
People
People Employees — 3,171 3,574 5,938 7,239 15,485 16,685 17,091 16,793 16,367 — +22.8%
Revenue/emp, $m 0.00 0.03 0.12 0.11 0.09 0.06 0.11 0.14 0.15 0.15 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

StoneCo Ltd. vs peers in Software Infrastructure (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
GCT GigaCloud Technology Inc. $2.0B 12.9× 12.7× +27.60% (above 0%: growing) +27.47% (above 0%: growing) +21.82% (above 0%: growing) 25.64% 11.54% Compare
INFQ Infleqtion, Inc. $1.9B — (loss-making) — — n/m +914.79% (above 0%: growing) 16.01% (220.55%) Compare
EVTC Evertec, Inc. $1.9B 20.2× 19.4× +19.69% (above 0%: growing) −85.71% (below 0%: shrinking) +20.64% (above 0%: growing) 54.79% 19.39% Compare
AI C3.ai, Inc. $1.9B — (loss-making) — (loss-making) −25.46% (below 0%: shrinking) n/m +106.02% (above 0%: growing) 31.83% (187.62%) Compare
MQ Marqeta, Inc. $1.9B 161× 66.4× +7.88% (above 0%: growing) n/m −77.59% (below 0%: shrinking) 69.30% 3.56% Compare
NYAX Nayax Ltd. $1.8B 222× 179× +28.25% (above 0%: growing) n/m −335.31% (below 0%: shrinking) 46.86% (5.42%) Compare
STNE StoneCo Ltd. $1.8B 2.9× 3.0× +14.89% (above 0%: growing) −2.63% (below 0%: shrinking) +2,108.82% (above 0%: growing) 68.05% 43.79%
PRGS Progress Software Corporation $1.8B 20.2× 36.0× −1.52% (below 0%: shrinking) +22.22% (above 0%: growing) +19.24% (above 0%: growing) 82.74% 18.92% Compare
ATEN A10 Networks, Inc. $1.8B 40.7× 39.0× +15.50% (above 0%: growing) −20.00% (below 0%: shrinking) +53.34% (above 0%: growing) 79.09% 11.26% Compare
Median of peers $1.9B 30.5× 37.5× +15.50% +1.11% +21.23% 50.83% 7.41%

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stockrow.com/STNE · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com