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Upturn AI SWOT - About
STNE 
StoneCo Ltd (STNE)
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Upturn Advisory Summary
08/28/2025: STNE (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
14 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $16.94
1 Year Target Price $16.94
| 10 | Strong Buy |
| 3 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 15.53% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.44B USD | Price to earnings Ratio - | 1Y Target Price 16.94 |
Price to earnings Ratio - | 1Y Target Price 16.94 | ||
Volume (30-day avg) 14 | Beta 1.88 | 52 Weeks Range 7.72 - 16.82 | Updated Date 08/29/2025 |
52 Weeks Range 7.72 - 16.82 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.7 |
Earnings Date
Report Date 2025-08-12 | When After Market | Estimate 1.98 | Actual 2.33 |
Profitability
Profit Margin -9.21% | Operating Margin (TTM) 47.74% |
Management Effectiveness
Return on Assets (TTM) 7.24% | Return on Equity (TTM) -9.37% |
Valuation
Trailing PE - | Forward PE 11.49 | Enterprise Value 5715314129 | Price to Sales(TTM) 0.32 |
Enterprise Value 5715314129 | Price to Sales(TTM) 0.32 | ||
Enterprise Value to Revenue 2.25 | Enterprise Value to EBITDA 18.38 | Shares Outstanding 250599008 | Shares Floating 246034179 |
Shares Outstanding 250599008 | Shares Floating 246034179 | ||
Percent Insiders 1.77 | Percent Institutions 78.38 |
Upturn AI SWOT
StoneCo Ltd
Company Overview
History and Background
StoneCo Ltd. was founded in 2012 in Brazil. It provides financial technology solutions to merchants and partners. It initially focused on payment processing and has expanded into other financial services.
Core Business Areas
- Financial Services: Provides end-to-end payment solutions, including acquiring, digital banking, and credit. Target small and medium-sized business in Brazil.
- Software: Offers software solutions to help merchants manage their businesses, including CRM, POS, and inventory management.
Leadership and Structure
The leadership team consists of Thiago Piau (CEO) and Marcelo Baldin (CFO). The company has a hierarchical structure with various departments focusing on different aspects of its business.
Top Products and Market Share
Key Offerings
- Payment Processing: Facilitates card and digital payments for merchants. While specific market share data is dynamically fluctuating, StoneCo is a major player in Brazil. Competitors include PagSeguro (PagBank), Cielo, and Getnet.
- Digital Banking Services: Offers digital accounts, credit solutions, and other banking services to merchants. Aim to complement payment processing services with a full suite of banking solutions. Competitors include Nubank and other Brazilian fintechs.
- Software Solutions: Provides software tools for merchants to manage their businesses, including point-of-sale (POS) systems and customer relationship management (CRM) software. Aimed to create an ecosystem around its payments platform. Competitors includes TOTVS.
Market Dynamics
Industry Overview
The financial technology industry in Brazil is growing rapidly, driven by increasing smartphone penetration and a large unbanked population. The Brazilian market is very fragmented and competititive
Positioning
StoneCo is positioned as a key player in the Brazilian fintech market, focusing on serving small and medium-sized businesses. Its competitive advantages include a large merchant base and an integrated platform.
Total Addressable Market (TAM)
The total addressable market for fintech solutions in Brazil is estimated to be in the billions of dollars. StoneCo is well-positioned to capture a significant share of this market by providing an end-to-end solution for merchants.
Upturn SWOT Analysis
Strengths
- Large merchant base
- Integrated financial solutions platform
- Strong brand recognition in Brazil
- Focus on small and medium-sized businesses
Weaknesses
- Exposure to Brazilian economic volatility
- Competition from established players
- Regulatory risks in Brazil
- Dependence on acquiring new customers
Opportunities
- Expansion into new geographic markets in Latin America
- Development of new financial products and services
- Acquisition of complementary businesses
- Partnerships with other technology companies
Threats
- Increased competition from existing and new players
- Changes in Brazilian regulations
- Economic downturn in Brazil
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PAGS
- CIEL3.SA
- GSA
Competitive Landscape
StoneCou2019s advantages include its integrated platform and focus on SMBs, while its disadvantages include exposure to Brazilian economic volatility and competition from larger players.
Major Acquisitions
Linx
- Year: 2020
- Acquisition Price (USD millions): 1100
- Strategic Rationale: Strengthened StoneCo's software offerings to merchants and expands its ecosystem.
Growth Trajectory and Initiatives
Historical Growth: StoneCo has experienced rapid growth in revenue and merchant base since its founding.
Future Projections: Analysts expect StoneCo to continue growing in the future, driven by increasing adoption of fintech solutions in Brazil.
Recent Initiatives: Recent initiatives include expanding its digital banking services and investing in new technologies.
Summary
StoneCo is a significant fintech player in Brazil with a strong focus on SMBs and integrated financial solutions. While it benefits from a growing market, it faces challenges from competition, economic volatility, and regulatory risks. The company needs to carefully manage its growth and maintain a competitive edge to sustain its position. Recent initiatives show a commitment to expanding digital services.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market conditions and company performance can change rapidly.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 - | Website https://www.stoneco.com.br |
Full time employees - | Website https://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 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.
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