StoneCo/$STNE

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About StoneCo

StoneCo Ltd is a provider of financial technology solutions. It serves MSMBs solutions, at fair prices, and provides the customer experience to help them manage their businesses and sell more. Its Stone Business Model combines end-to-end, cloud-based technology platforms; differentiated hyper-local and integrated distribution approaches; and white-glove, on-demand customer service. The brands of the company include: Stone: For small and medium-sized businesses, all management is integrated with the payment terminal, business bank account, and card, all within the same app. Ton: For micro-entrepreneurs and freelancers, modern card machines, sales via Pix or TapTon, and a Super Account. Stone pagar.me for those who sell online. Digital payment technology for all types of businesses.
Ticker
$STNE
Sector
Finance
Primary listing
NASDAQ
Employees
-
Headquarters
George Town, Cayman Islands

StoneCo Metrics

BasicAdvanced
$2.3B
3.97
$2.54
1.64
$2.53
25.05%

What the Analysts think about StoneCo

Analyst ratings (Buy, Hold, Sell) for StoneCo stock.
Analyst projections of the future price of StoneCo stock.

Bulls say / Bears say

StoneCo is still expanding its ecosystem: the active client base reached 4.82 million in 2Q26, up 6.4% year over year, while total TPV rose 4.3% and PIX QR-Code volume surged 44.3%. (SEC filing)
Credit is becoming a meaningful growth engine: the credit portfolio reached R$3.75 billion and credit revenue rose to R$348.5 million in 2Q26 from R$137.8 million a year earlier, despite the associated provisioning pressure. (SEC filing)
Capital returns can support per-share value: StoneCo paid an extraordinary dividend of approximately R$3.08 billion and repurchased R$739 million of shares during 2Q26, while adjusted EPS increased 8.6% year over year. (SEC filing)
Credit risk is deteriorating as 90+ day NPLs rose to 8.60% in 2Q26 from 4.67% a year earlier, while provisions for expected losses increased 127.9% year over year and coverage fell to 203.6%. (SEC filing)
Underlying profitability remains pressured: 2Q26 revenue grew only 2.5% year over year, adjusted gross profit was essentially flat, and adjusted EBT declined 1.0%, with gross-profit margin falling to 43.6% from 44.6%. (SEC filing)
Management’s 2026 outlook implies a back-half-loaded recovery, with adjusted gross profit guided to R$6.6–7.0 billion and adjusted EPS to R$10.8–11.4; first-half adjusted gross profit was flat year over year, increasing execution risk amid a difficult rate environment. (StoneCo guidance; SEC filing)
Data summarised monthly by Lightyear AI. Last updated on 10 Sept 2026.

StoneCo Financial Performance

Revenues and expenses
Income statement
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
Net income
Profit margin

StoneCo Earnings Performance

Company profitability
Earnings per share
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
Expected
Surprise

Funds containing StoneCo

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