1STNE Stock Overview

Provides financial technology and software solutions to merchants and integrated partners to conduct electronic commerce across in-store, online, and mobile channels in Brazil. More details

1STNE fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	4/6
Past Performance	0/6
Financial Health	3/6
Dividends	0/6

Rewards

Trading at 50.9% below our estimate of its fair value

Earnings are forecast to grow 67.46% per year

Risk Analysis

Debt is not well covered by operating cash flow

Shares are highly illiquid

Community vs My Fair Value

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StoneCo Ltd. Competitors

Nexi

BIT:NEXI

€6.7b

BFF Bank

BIT:BFF

€1.6b

Banca Mediolanum

BIT:BMED

€10.7b

Banca IFIS

BIT:IF

€1.2b

Price History & Performance

Summary of share price highs, lows and changes for StoneCo
Historical stock prices
Current Share Price	US$12.22
52 Week High	US$12.13
52 Week Low	US$11.65
Beta	2.01
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	5.67%

Recent updates

Shareholder Returns

	1STNE	IT Diversified Financial	IT Market
7D	3.1%	4.2%	3.2%
1Y	n/a	7.5%	13.2%

Return vs Industry: Insufficient data to determine how 1STNE performed against the Italian Diversified Financial industry.

Return vs Market: Insufficient data to determine how 1STNE performed against the Italian Market.

Price Volatility

Is 1STNE's price volatile compared to industry and market?
1STNE volatility
1STNE Average Weekly Movement	n/a
Diversified Financial Industry Average Movement	5.4%
Market Average Movement	5.5%
10% most volatile stocks in IT Market	8.8%
10% least volatile stocks in IT Market	3.4%

Stable Share Price: 1STNE's share price has been volatile over the past 3 months compared to the Italian market.

Volatility Over Time: Insufficient data to determine 1STNE's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2012	n/a	Pedro Zinner	www.stone.co

StoneCo Ltd. provides financial technology and software solutions to merchants and integrated partners to conduct electronic commerce across in-store, online, and mobile channels in Brazil. The company offers financial services, including payment, prepayment, digital banking, and credit solutions. It distributes its solutions, principally through proprietary and franchised Stone Hubs, which offer hyper-local sales and services; and sells solutions to brick-and-mortar and digital merchants through sales team.

StoneCo Ltd. Fundamentals Summary

How do StoneCo's earnings and revenue compare to its market cap?
1STNE fundamental statistics
Market cap	€3.26b
Earnings (TTM)	-€218.92m
Revenue (TTM)	€2.12b

1.6x

P/S Ratio

-15.4x

P/E Ratio

Is 1STNE overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
1STNE income statement (TTM)
Revenue	R$13.27b
Cost of Revenue	R$3.51b
Gross Profit	R$9.76b
Other Expenses	R$11.13b
Earnings	-R$1.37b

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	-5.06
Gross Margin	73.53%
Net Profit Margin	-10.35%
Debt/Equity Ratio	115.0%

How did 1STNE perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/13 18:05
End of Day Share Price	2025/05/13 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

StoneCo Ltd. is covered by 30 analysts. 10 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
John Coffey	Barclays
Mario Lucio Pierry	BofA Global Research
Victor Schabbel	Bradesco S.A. Corretora de Títulos e Valores Mobiliários

StoneCo BIT:1STNE Stock Report