StoneCo

StoneCo

Financial Services
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. It has two segments Financial Services segment, which includes payments solutions, digital banking, credit, insurance solutions as well as the registry business. In the Software segment solution includes POS/ERP, TEF and QR Code gateways, reconciliation, CRM, OMS, e-commerce platform, engagement tool, ads solution, and marketplace hub. It generates the majority of its revenue from the Financial Services segment.

$2.7B

Market Cap • 10/7/2026

2014

(12 years)

Founded

2018

(8 years ago)

IPO

NASDAQ

Listing Exchange

Flag of Brazil

Brazil

Country

Valuation

P/B

1,5

P/S

4,6

P/EBITDA

—

P/OCF

2,9

P/FCF

3,4

P/E

4,4

BVPS

7,5

EPS

2,5

Market Cap

Market Cap

2,7B

EV

6B

EV/Revenue

10,5

EV/EBITDA

-10,6

EV/EBIT

-8,1

Payout

Dividend Per Share

0

Dividend Yield

0%

Buyback Yield

21,2%

Total Yield

21,2%

Payout

0%

Retained Earnings

796,8M

Profitability

Gross Margin

—

EBITDA Margin

—

EBIT Margin

—

Net Margin

118,6%

D&A/EBITDA

0%

R&D/Revenue

0%

Capex/Revenue

21,8%

Capex/D&A

70,6%

Capex/OCF

13,8%

SBC/OCF

6%

% PPE

2,9%

% Goodwill

0%

ROE

35%

ROIC

—

Growth

CAGR Revenue 5Y

10,2%

CAGR Op. Income 5Y

76,7%

CAGR Net Income 5Y

22,2%

CAGR EPS 5Y

27,8%

Leverage

N.D./EBITDA

—

Debt/Equity

0%

Current Ratio

1,3

Quick Ratio

1,2

Interest Coverage

—

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