Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
STNE
Upturn stock ratingUpturn stock rating

StoneCo Ltd (STNE)

Upturn stock ratingUpturn stock rating
$16.04
Last Close (24-hour delay)
Profit since last BUY71.73%
upturn advisory
Consider higher Upturn Star rating
BUY since 100 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: STNE (2-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Below Average Performance

These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.

Number of Analysts

rating

14 Analysts rated it

Well-followed company, solid analyst reports, reliable data for confident investing.

1 Year Target Price $16.84

1 Year Target Price $16.84

Analysts Price Target For last 52 week
$16.84Target price
Low$7.72
Current$16.04
high$16.11

Analysis of Past Performance

Type Stock
Historic Profit 29.87%
Avg. Invested days 32
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 4.17B USD
Price to earnings Ratio -
1Y Target Price 16.84
Price to earnings Ratio -
1Y Target Price 16.84
Volume (30-day avg) 14
Beta 1.92
52 Weeks Range 7.72 - 16.11
Updated Date 06/29/2025
52 Weeks Range 7.72 - 16.11
Updated Date 06/29/2025
Dividends yield (FY) -
Basic EPS (TTM) -0.79

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin -10.35%
Operating Margin (TTM) 44.38%

Management Effectiveness

Return on Assets (TTM) 7.13%
Return on Equity (TTM) -10.31%

Valuation

Trailing PE -
Forward PE 10.81
Enterprise Value 5174562909
Price to Sales(TTM) 0.31
Enterprise Value 5174562909
Price to Sales(TTM) 0.31
Enterprise Value to Revenue 2.14
Enterprise Value to EBITDA 20.7
Shares Outstanding 254616992
Shares Floating 250052250
Shares Outstanding 254616992
Shares Floating 250052250
Percent Insiders 1.77
Percent Institutions 82.73

Analyst Ratings

Rating 4
Target Price 16.84
Buy 3
Strong Buy 10
Buy 3
Strong Buy 10
Hold 1
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

StoneCo Ltd

stock logo

Company Overview

overview logo History and Background

StoneCo Ltd. was founded in 2012 in Brazil as a financial technology solutions provider. It went public on the NASDAQ in 2018. The company aimed to disrupt the Brazilian payments industry by offering a more comprehensive and technology-driven service to merchants.

business area logo Core Business Areas

  • Financial Services: StoneCo offers payment processing, digital banking solutions, credit, and other financial services to merchants and partners.
  • Software: StoneCo provides software solutions to merchants, including POS systems, CRM, and other management tools.
  • Banking as a Service (BaaS): StoneCo provides financial infrastructure and technology for other companies to embed financial services into their platforms.

leadership logo Leadership and Structure

StoneCo is led by CEO Pedro Zualberti. The organizational structure includes functional departments focused on technology, sales, operations, and finance. The company operates with a decentralized structure, empowering regional teams to adapt to local market needs.

Top Products and Market Share

overview logo Key Offerings

  • Payment Processing: StoneCo's core product, providing payment processing solutions for merchants through various channels (online, mobile, POS). Stone claims to have about 1.4 million active clients. Competitors include PagSeguro, Cielo, and GetNet.
  • Digital Banking Accounts: Digital banking accounts and other related services, aiming at financial inclusion for merchants. Number of users unavailable. Competitors include Nubank and Banco Inter.
  • Credit Solutions: Credit and lending solutions designed for small and medium-sized businesses. Revenue contribution not explicitly disclosed, but part of the financial services segment. Competitors include traditional banks and fintech lenders.

Market Dynamics

industry overview logo Industry Overview

The fintech industry in Brazil is rapidly growing, driven by increasing internet penetration, smartphone adoption, and demand for digital financial services. The market is becoming more competitive with the entry of new players and the expansion of existing ones.

Positioning

StoneCo is positioned as a leading fintech provider in Brazil, focused on serving small and medium-sized businesses. Its competitive advantages include its comprehensive product portfolio, technology-driven approach, and strong distribution network.

Total Addressable Market (TAM)

The TAM for financial services in Brazil is estimated to be in the hundreds of billions of dollars. StoneCo is well-positioned to capture a significant share of this market by expanding its product offerings and reaching new customers.

Upturn SWOT Analysis

Strengths

  • Strong brand recognition in Brazil
  • Extensive distribution network
  • Comprehensive product portfolio
  • Technology-driven approach
  • Experienced management team

Weaknesses

  • Concentration in the Brazilian market
  • Exposure to regulatory changes in Brazil
  • Credit risk associated with lending activities
  • Reliance on third-party payment networks

Opportunities

  • Expansion into new markets
  • Development of new products and services
  • Strategic acquisitions to expand capabilities
  • Increased adoption of digital payments
  • Growth in the e-commerce sector

Threats

  • Increased competition from other fintech companies
  • Economic slowdown in Brazil
  • Regulatory changes that impact the business
  • Cybersecurity risks
  • Fluctuations in interest rates and exchange rates

Competitors and Market Share

competitor logo Key Competitors

  • PAGS
  • CIEL3.SA
  • ADNT

Competitive Landscape

StoneCo competes with other fintech companies, traditional banks, and payment processors. StoneCou2019s advantages include its focus on small and medium-sized businesses, its comprehensive product portfolio, and its technology-driven approach. Disadvantages are increased credit risk and exposure to the Brazilian market.

Major Acquisitions

Linx

  • Year: 2020
  • Acquisition Price (USD millions): 1100
  • Strategic Rationale: The acquisition of Linx, a software provider for retailers, was intended to create a comprehensive ecosystem of financial and software solutions for merchants. However, this acquisition was ultimately blocked by Brazilian regulators. The transaction was eventually cancelled.

Growth Trajectory and Initiatives

Historical Growth: StoneCo has experienced rapid growth in revenue and customer base in recent years. However, profitability has been affected by credit losses and macroeconomic challenges.

Future Projections: Analyst estimates project continued growth in revenue and customer base, driven by the expansion of digital payments and the launch of new products and services. Profitability is expected to improve as the company manages credit risk and benefits from economies of scale.

Recent Initiatives: Recent initiatives include expanding the credit solutions, investing in technology infrastructure, and expanding the digital banking platform.

Summary

StoneCo is a leading fintech company in Brazil with a comprehensive product portfolio and a strong distribution network. However, the company faces challenges related to credit risk, regulatory changes, and increased competition. Despite these challenges, StoneCo is well-positioned to benefit from the growth of the digital payments market in Brazil. The company's performance heavily relies on its ability to execute its strategy and manage its risks effectively. The economic environment in Brazil poses a constant threat to its long-term performance.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • StoneCo Ltd. Investor Relations
  • Company filings
  • Third-party market research reports
  • Analyst reports

Disclaimers:

The data and analysis provided are based on available information and are subject to change. This is not financial advice. Please consult with a financial professional before making any investment decisions.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About StoneCo Ltd

Exchange NASDAQ
Headquaters -
IPO Launch date 2018-10-25
CEO -
Sector Technology
Industry Software - Infrastructure
Full time employees -
Full time employees -

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.