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Upturn AI SWOT - About
STNE 
StoneCo Ltd (STNE)
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Upturn Advisory Summary
09/17/2025: STNE (3-star) is a STRONG-BUY. BUY since 16 days. Simulated Profits (21.38%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
14 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $18.63
1 Year Target Price $18.63
| 10 | Strong Buy |
| 3 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 32.37% | Avg. Invested days 32 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.09B USD | Price to earnings Ratio - | 1Y Target Price 18.63 |
Price to earnings Ratio - | 1Y Target Price 18.63 | ||
Volume (30-day avg) 14 | Beta 1.92 | 52 Weeks Range 7.72 - 19.39 | Updated Date 09/17/2025 |
52 Weeks Range 7.72 - 19.39 | Updated Date 09/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.72 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 11.26 | Enterprise Value 6336455813 | Price to Sales(TTM) 0.37 |
Enterprise Value 6336455813 | Price to Sales(TTM) 0.37 | ||
Enterprise Value to Revenue 2.45 | Enterprise Value to EBITDA 19.99 | Shares Outstanding 250599325 | Shares Floating 246034179 |
Shares Outstanding 250599325 | Shares Floating 246034179 | ||
Percent Insiders 1.77 | Percent Institutions 78.44 |
Upturn AI SWOT
StoneCo Ltd
Company Overview
History and Background
StoneCo Ltd. was founded in 2012 in Brazil to provide financial technology solutions to merchants and partners. It has grown rapidly through organic expansion and acquisitions, becoming a leading player in the Brazilian payments industry. Significant milestones include its IPO on the Nasdaq in 2018 and subsequent expansions into new product areas.
Core Business Areas
- Financial Services: Provides end-to-end payment solutions, including acquiring, digital banking, credit, and insurance. It focuses on micro, small, and medium-sized businesses (MSMBs) in Brazil.
- Software Solutions: Offers a suite of software tools, including point-of-sale (POS) systems, enterprise resource planning (ERP) solutions, and customer relationship management (CRM) tools, tailored to merchants' specific needs.
Leadership and Structure
The leadership team includes Thiago Piau as CEO, and the organizational structure is designed to facilitate agility and innovation, with a focus on empowering regional teams to serve local merchants effectively.
Top Products and Market Share
Key Offerings
- Payment Acquiring: StoneCo's core business is payment acquiring, processing credit and debit card transactions for merchants. Competitors include Cielo (CIOXY), PagSeguro (PAGS), and GetNet. Market share data is dynamic and fluctuates, but estimates placed StoneCo among the top acquirers in Brazil.
- Digital Banking: Stone offers digital banking services to its merchants, providing bank accounts, payments, and lending solutions. Competitors include traditional Brazilian banks like Itau Unibanco (ITUB) and Banco Bradesco (BBD). Revenue from digital banking contributes a significant portion of Stone's overall revenue growth, although exact figures are proprietary. Adoption is growing rapidly among merchants.
- Credit Solutions: StoneCo provides credit solutions, including working capital loans, to its merchant base. Competitors include traditional banks and fintech lenders. Stone faces credit quality risks with this product offering but sees significant growth potential. Revenue depends on loan volume and interest rates. Competitors include Nu Holdings (NU), a large Brazilian neobank.
Market Dynamics
Industry Overview
The Brazilian fintech industry is experiencing rapid growth, driven by increasing internet penetration, smartphone adoption, and a large unbanked population. The market is competitive, with both established players and new entrants vying for market share.
Positioning
StoneCo positions itself as a technology-driven partner to merchants, offering integrated financial and software solutions. Its competitive advantages include its extensive distribution network, strong brand reputation, and focus on customer service.
Total Addressable Market (TAM)
The TAM for financial services and software solutions for MSMBs in Brazil is estimated to be significant, potentially in the hundreds of billions of dollars. StoneCo is well-positioned to capture a substantial share of this market.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Extensive distribution network
- Technology-driven platform
- Focus on customer service
- Integrated financial and software solutions
Weaknesses
- Exposure to the Brazilian economy
- Credit risk in lending operations
- Integration challenges with acquisitions
- Dependence on key partnerships
- Intense competition
Opportunities
- Expansion into new geographic markets
- Development of new products and services
- Increased adoption of digital payments
- Partnerships with other fintech companies
- Acquisitions of complementary businesses
Threats
- Increased competition from established players and new entrants
- Changes in regulations and government policies
- Economic slowdown in Brazil
- Cybersecurity threats
- Technological disruptions
Competitors and Market Share
Key Competitors
- PagSeguro (PAGS)
- Cielo (CIOXY)
- Nu Holdings (NU)
Competitive Landscape
StoneCo competes with established payment processors, fintech companies, and traditional banks. It differentiates itself through its integrated financial and software solutions and its focus on customer service.
Major Acquisitions
Linx
- Year: 2020
- Acquisition Price (USD millions): 1100
- Strategic Rationale: The acquisition of Linx, a software provider, aimed to strengthen StoneCo's integrated offering for merchants by adding comprehensive software solutions to its payment processing capabilities.
Growth Trajectory and Initiatives
Historical Growth: StoneCo has experienced rapid revenue growth since its founding, driven by increasing adoption of its payment solutions and expansion into new product areas.
Future Projections: Analyst estimates suggest continued revenue growth for StoneCo, driven by the expansion of its product offerings and its focus on serving MSMBs. Profitability may be impacted by competition and credit risks.
Recent Initiatives: Recent initiatives include the expansion of its digital banking platform, the launch of new software solutions, and strategic acquisitions to expand its market reach.
Summary
StoneCo is a significant player in Brazil's fintech landscape. It has built a strong reputation and distribution network, driving revenue growth. Key areas to watch include managing credit risks in its lending operations and navigating the intense competitive environment. Success hinges on effective execution of their integrated financial and software solutions strategy.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data are estimates and may vary. Past performance is not indicative of future results.
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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