STNE$17.08
$17.06
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Performance
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AI STNE Summary
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Powered by LiveAIOverall Analysis
HoldStoneCo Ltd. exhibits strong performance in its core business and a healthy growth trajectory, but faces headwinds from increasing debt and a mixed technical outlook. Thematic tailwinds in digital payments in Brazil are positive, but current market conditions and valuation warrant a cautious approach.
Thematic
StoneCo is exceptionally well-positioned to benefit from the secular growth trends in digital payments and financial technology adoption in Brazil, a rapidly expanding market.
Fundamental
StoneCo demonstrates robust revenue growth and improving profitability, though an increase in debt levels and a negative EPS trend warrant attention.
Technical
The stock is experiencing a notable downtrend across multiple timeframes, with key moving averages indicating bearish sentiment. Oscillators suggest oversold conditions, hinting at a potential short-term bounce.
| Factor | Score |
|---|---|
| Digital Payment Adoption (Brazil) | 95 |
| Financial Inclusion | 90 |
| Competitive Landscape | 75 |
| Regulatory Environment | 80 |
| Economic Stability (Brazil) | 75 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 40 |
| Growth | 80 |
| Balance Sheet Health | 55 |
| Cash Flow | 30 |
| Earnings Per Share (EPS) | 35 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 40 |
| Volume Confirmation | 50 |
| Support & Resistance | 65 |
| Short-term Oscillators | 75 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent EPS Beats
The company has exceeded earnings per share (EPS) estimates in the last 6 reported quarters, with an average surprise of +15.1%. This consistent outperformance indicates strong operational execution and effective management.
Attractive Price-to-Sales (P/S) Ratio
The trailing Price-to-Sales (P/S) ratio of 0.3 is significantly below the industry average of 1.5 and its own historical average, suggesting potential undervaluation relative to its revenue generation capabilities.
Bearish Points (7)
Negative Trailing P/E Ratio
The trailing Price-to-Earnings (P/E) ratio is negative (-1.9), indicating the company is not currently profitable on a trailing twelve-month basis. This suggests significant earnings risk.
Inconsistent Quarterly Earnings Estimates
While past EPS have beaten estimates, future earnings estimates show variability. For instance, Q2 2025 estimate is $1.80, while Q1 2025 estimate is $1.94, with analysts adjusting projections.
Calendar
August 2025
8
Next Earnings Date
H: $2.22
A: $2.05
L: $1.88
H: 3.85B
A: 3.78B
L: 3.67B
Profile
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. The company served small-and-medium-sized businesses; and marketplaces, e-commerce platforms, and integrated software vendors. StoneCo Ltd. was founded in 2012 and is based in George Town, the Cayman Islands.
Seasonals
Price Target
16.92 USD
The 39 analysts offering 1 year price forecasts for STNE have a max estimate of 22.80 and a min estimate of 14.11.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 95
Direct competitor in the Brazilian payment processing market, also focusing on micro-merchants and SMEs. Both offer online and mobile payment solutions. [1, 5, 8, 13, 23]
Weight: 90
Leading digital bank in Latin America, particularly Brazil, offering digital banking solutions, credit cards, and personal loans, competing with StoneCo's digital banking and credit offerings. [1, 2, 3, 4, 5]
Weight: 85
Major established payment processor in Brazil, historically focusing on larger businesses but increasingly overlapping with StoneCo's SME segment. [2, 13]
Weight: 80
Global payment processing company with a significant presence in Brazil, offering digital solutions for online and in-person payments. [4, 5, 12, 15, 19]