StoneCo (STNE) 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
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 2/6 |
| Past Performance | 5/6 |
| Financial Health | 3/6 |
| Dividends | 2/6 |
STNE Community Fair Values
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Analyst Price Targets
StoneCo Ltd. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$11.37 |
| 52 Week High | US$19.95 |
| 52 Week Low | US$10.74 |
| Beta | 1.6 |
| 1 Month Change | -20.32% |
| 3 Month Change | -29.77% |
| 1 Year Change | -14.06% |
| 3 Year Change | -15.15% |
| 5 Year Change | -80.07% |
| Change since IPO | -63.73% |
Recent News & Updates
STNE: Cautious Ratings And New Credit Entrants Will Shape Future Risk Reward
Analysts have trimmed their StoneCo price targets by roughly $1 to reflect slightly lower fair value estimates and future P/E assumptions, while still indicating steady expectations for revenue growth and profit margins. Analyst Commentary Recent research updates on StoneCo point to a more cautious tone, even as price target changes have been relatively modest in dollar terms.STNE: Competitive Credit Threats Will Weigh On Future Risk Reward Profile
StoneCo's updated analyst price target reflects a modest fair value shift to $13.61, with analysts citing revised expectations for revenue growth and profit margins, as well as a higher assumed future P/E multiple, as key drivers of the change. Analyst Commentary Recent Street research on StoneCo shows a mix of views, with some firms maintaining a supportive stance and others turning more cautious on the stock's risk and reward trade off.StoneCo: The Bull Case Just Got Less Predictable (Rating Downgrade)
Apr 14Recent updates
STNE: Cautious Ratings And New Credit Entrants Will Shape Future Risk Reward
Analysts have trimmed their StoneCo price targets by roughly $1 to reflect slightly lower fair value estimates and future P/E assumptions, while still indicating steady expectations for revenue growth and profit margins. Analyst Commentary Recent research updates on StoneCo point to a more cautious tone, even as price target changes have been relatively modest in dollar terms.STNE: Competitive Credit Threats Will Weigh On Future Risk Reward Profile
StoneCo's updated analyst price target reflects a modest fair value shift to $13.61, with analysts citing revised expectations for revenue growth and profit margins, as well as a higher assumed future P/E multiple, as key drivers of the change. Analyst Commentary Recent Street research on StoneCo shows a mix of views, with some firms maintaining a supportive stance and others turning more cautious on the stock's risk and reward trade off.StoneCo: The Bull Case Just Got Less Predictable (Rating Downgrade)
Apr 14
STNE: Excess Capital Returns Will Support Confidence Through 2026 Leadership Change
Analysts have trimmed the StoneCo fair value estimate from $25.73 to $23.17, reflecting slightly higher discount rate assumptions, modest tweaks to long term revenue growth and margin expectations, and updated future P/E inputs following recent price target cuts and mixed views around the CEO transition. Analyst Commentary Recent research on StoneCo shows a divided but active analyst community, with several price target revisions and rating changes clustered around the announced CEO transition and updated capital allocation outlook.STNE: Excess Capital Returns Will Underpin Confidence Through 2026 Leadership Transition
StoneCo's refreshed analyst price target edges higher as fair value assumptions move from $25.38 to $25.73, with analysts citing updated views on revenue growth, profit margins, a lower discount rate, and recent mixed but generally constructive research commentary around valuation and capital flexibility. Analyst Commentary Recent research on StoneCo highlights a mix of cautious adjustments and constructive views as analysts reassess fair value in light of new information on management, capital allocation, and perceived risk.STNE: CEO Transition And Capital Returns Will Shape Balanced Future Risk Reward
Analysts have trimmed their StoneCo price targets by a few dollars, reflecting updated views on lower profit margins and a higher future P/E multiple. They still factor in solid revenue growth and point to the stock's valuation and capital return potential after the upcoming CEO transition.STNE: Leadership Turnover And Mixed Research Will Constrain Future Risk Reward
Analysts have modestly raised their StoneCo fair value estimate to about $13.37 per share. This reflects updated views on slightly higher revenue growth, firmer profit margins, and a somewhat higher future P/E multiple in light of mixed recent research that includes both fresh bullish coverage and lower price targets from other firms.STNE: Leadership Turnover And Buybacks Will Pressure Future Risk Reward
Analysts have trimmed their StoneCo price targets, with the implied fair value shifting from about $16.05 to $13.00. They cite more cautious views reflected in recent target cuts and rating changes, even as updated assumptions point to higher revenue growth, stronger profit margins and a lower future P/E multiple.STNE: Excess Capital Returns Will Support Confidence Through 2026 Leadership Change
Analysts have lifted their fair value estimate for StoneCo from US$23.25 to about US$25.38, citing updated assumptions for the discount rate, revenue growth, profit margins and future P/E, along with views that the company remains attractively valued with significant excess capital that could support up to R$6b in dividends and buybacks over the next 12 months. Analyst Commentary Recent research has focused on leadership changes at StoneCo and the implications for valuation and capital returns.STNE: Leadership Transition And Excess Capital Returns Will Shape Future Risk Reward
Analysts have raised their fair value estimate for StoneCo to $16.05 from $15.52. They cite updated assumptions around revenue growth, profit margins, future P/E and capital allocation following recent commentary that the stock remains attractively valued with significant excess capital.STNE Future Profitability And Legal Settlement Will Shape Risk Reward Balance
Analysts have raised their fair value estimate for StoneCo to approximately $15.52 from about $14.33, citing expectations for stronger profitability and a modestly higher valuation multiple, despite more conservative revenue growth assumptions. Analyst Commentary While the latest fair value revision reflects improving profitability, some bearish analysts remain cautious on StoneCo, emphasizing that the path to sustained earnings growth is still uncertain.
STNE: Future Buybacks Will Signal Confidence And Support Earnings Upside
Analysts have slightly trimmed their price target on StoneCo to approximately $20.29 from about $20.54, citing a modestly higher required discount rate that more than offsets small upgrades to long term revenue growth, profitability, and valuation multiples. Analyst Commentary Bullish analysts remain constructive on StoneCo, highlighting that, even with a slightly higher discount rate, the stock screens as attractively valued relative to its long term growth and margin expansion prospects.STNE: Future Buybacks And Earnings Momentum Will Drive Shareholder Value
StoneCo’s analyst price target has been lifted from $15 to a range of $20 to $25 per share, reflecting improved earnings estimates and analyst confidence in the company’s ongoing capital returns to shareholders. Analyst Commentary Analysts covering StoneCo have recently adjusted their price targets significantly higher, reflecting growing optimism about the company's fundamentals and outlook.STNE: Future Buybacks And Capital Generation Will Drive Shareholder Returns
StoneCo's analyst price target has been raised significantly, climbing from $15 to $25. Analysts point to strong capital generation, robust buybacks, and updated earnings forecasts in their revised outlook.Shareholder Returns and Capital Generation Will Drive Brazil Market Opportunity Forward
StoneCo's analyst price target has been raised from $15 to $25. Analysts cite ongoing strong capital generation and shareholder returns through buybacks as key factors supporting improved earnings forecasts.Digital Payments And Financial Inclusion Will Unlock Brazil Market Potential
StoneCo's analyst price target has been raised from $15 to $25, as analysts cite ongoing capital generation, planned shareholder buybacks, and updated earnings estimates as key drivers for the upward revision. Analyst Commentary Recent analyst activity on StoneCo reflects a largely positive outlook, with several firms raising their price targets and maintaining Buy ratings.Digital Payments And Financial Inclusion Will Unlock Brazil Market Potential
The upward revision in StoneCo’s price target primarily reflects a lower discount rate, which more than offsets slightly reduced revenue growth expectations, resulting in a new consensus fair value estimate of $19.06. What's in the News Raised 2025 gross profit guidance to over BRL 6.3 billion, implying 14.5%+ year-over-year growth.Even With A 28% Surge, Cautious Investors Are Not Rewarding StoneCo Ltd.'s (NASDAQ:STNE) Performance Completely
Sep 19
Digital Payments And Financial Inclusion Will Unlock Brazil Market Potential
The increase in StoneCo’s consensus price target reflects a sharply lower future P/E ratio, indicating improved earnings expectations, while a modest decline in the discount rate further supports a higher fair value, now at $17.64. What's in the News StoneCo raised 2025 earnings guidance, now projecting over 14.5% gross profit growth and updating EPS growth from 18% to 32%, driven by share buybacks and stronger net income.Digital Payments And Financial Inclusion Will Unlock Brazil Market Potential
Despite a modest decline in consensus revenue growth forecasts, StoneCo's significantly lower future P/E implies improved expected profitability, supporting an upward revision in the consensus analyst price target from $16.43 to $16.94. What's in the News StoneCo raised full-year 2025 guidance, now expecting gross profit growth above 14.5% and gross profit to exceed BRL 6.3 billion.Even With A 26% Surge, Cautious Investors Are Not Rewarding StoneCo Ltd.'s (NASDAQ:STNE) Performance Completely
Jul 10StoneCo Ltd. (NASDAQ:STNE) First-Quarter Results: Here's What Analysts Are Forecasting For This Year
May 10The Market Lifts StoneCo Ltd. (NASDAQ:STNE) Shares 25% But It Can Do More
Apr 27StoneCo: Valuation Is Still Attractive
Apr 14StoneCo Q4: Results Improving, But Pay Attention To This Indicator
Mar 21StoneCo Q4 Preview: A Low Bar And A High Reward Play
Mar 15The Bottom Fishing Club - StoneCo: Playing Brazil's Rebound
Feb 17StoneCo: After A 22% Drop, We Have The Opportunity (Rating Upgrade)
Feb 09StoneCo: A Rare Buying Opportunity (Rating Upgrade)
Jan 16StoneCo: Time To Be Greedy
Jan 06StoneCo: Hitting A Stone Wall Hurts
Dec 31StoneCo Ltd.'s (NASDAQ:STNE) Low P/E No Reason For Excitement
Dec 11StoneCo's Elevated Take-Rate Yields Massive Buyback
Nov 30
Dynamic Client Solutions And Efficiency Initiatives Drive Promising Earnings Growth
Enhanced client engagement and cross-selling strategies are driving future revenue growth and deeper client relationships.StoneCo: I Keep My 'Buy' Despite The Heavy Dip
Nov 20StoneCo: Brazil's Rising Interest Rates Pose A Threat, But Valuations Point To A Buy
Nov 07StoneCo's Dip Still Looks Tempting
Sep 24Do StoneCo's (NASDAQ:STNE) Earnings Warrant Your Attention?
Sep 12StoneCo Q2: Still Not Enough To Raise The Recommendation
Sep 04StoneCo Stock: Buy The Dip After Q2 Earnings
Aug 16StoneCo: Cheap Valuation Is Not Why I Am Bullish
Jul 23StoneCo Stock: The Dip Looks Tempting
Jul 08StoneCo: Stirring Waves In Banking
Jun 17StoneCo: Unjustified Dip In 2024 Makes It A Buy
May 28Do StoneCo's (NASDAQ:STNE) Earnings Warrant Your Attention?
May 21Why StoneCo Stock Still Remains The Ultimate Buy Before Q1 Earnings Release
May 11Investors Aren't Entirely Convinced By StoneCo Ltd.'s (NASDAQ:STNE) Revenues
Apr 24StoneCo: Don't Overthink - It's A Fintech Growth Stock (Rating Upgrade)
Apr 10The Good, The Bad, And The Misunderstood: StoneCo Is A Strong Buy
Mar 21StoneCo: A Very Rare Find At This Price
Mar 10Berkshire Hathaway Is Probably Making A Mistake Selling StoneCo
Feb 18Why StoneCo Stock Is The Ultimate Buy
Feb 01Shareholder Returns
| STNE | US Diversified Financial | US Market | |
|---|---|---|---|
| 7D | 4.8% | -0.6% | 1.8% |
| 1Y | -14.1% | -10.3% | 29.8% |
Return vs Industry: STNE underperformed the US Diversified Financial industry which returned -10.3% over the past year.
Return vs Market: STNE underperformed the US Market which returned 29.8% over the past year.
Price Volatility
| STNE volatility | |
|---|---|
| STNE Average Weekly Movement | 9.5% |
| Diversified Financial Industry Average Movement | 6.4% |
| Market Average Movement | 7.1% |
| 10% most volatile stocks in US Market | 16.1% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: STNE has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: STNE's weekly volatility (9%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2012 | n/a | Mateus Schwening | www.stoneco.com.br |
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 provides financial services, including payment, prepayment, digital banking, and credit solutions. It offers payment solutions of electronic payments and alternative payment methods, such as payment slips and Pix transactions; digital product to help merchants improve their consumers’ experience, which include split-payment processing, multi-payment processing, and recurring payments for subscriptions; and tap on phone solution.
StoneCo Ltd. Fundamentals Summary
| STNE fundamental statistics | |
|---|---|
| Market cap | US$2.72b |
| Earnings (TTM) | US$479.43m |
| Revenue (TTM) | US$2.72b |
5.8x
P/E Ratio1.0x
P/S RatioIs STNE overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| STNE income statement (TTM) | |
|---|---|
| Revenue | R$13.40b |
| Cost of Revenue | R$3.37b |
| Gross Profit | R$10.03b |
| Other Expenses | R$7.67b |
| Earnings | R$2.36b |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
May 14, 2026
| Earnings per share (EPS) | 9.63 |
| Gross Margin | 74.88% |
| Net Profit Margin | 17.62% |
| Debt/Equity Ratio | 157.8% |
How did STNE perform over the long term?
See historical performance and comparisonDividends
22.3%
Current Dividend Yieldn/a
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/06 23:08 |
| End of Day Share Price | 2026/05/06 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
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 |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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 25 analysts. 13 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 |
| Marcelo Mizrahi | Bradesco S.A. Corretora de Títulos e Valores Mobiliários |