Company Deep Dive
Read the full research report: business segments breakdown, earnings transcripts review, management credibility analysis, competitive landscape, and scenarios.
STNE
STRONG BUYFLAGStoneCo Ltd. · Technology · Cayman Islands · $2.6B · Avg Vol: $43M/d
StoneCo screens as the cheapest name in this batch (V97) and remains a scaled Brazilian merchant acquirer with a growing banking arm, but the quality score is weak (Q55), funding costs track a high Brazilian policy rate, and the company has a documented history of severe credit losses when it previously expanded into merchant lending. That credit history is specific and directly relevant.
COMPANY DESCRIPTION
StoneCo Ltd. is a leading provider of financial technology solutions in Brazil, offering end-to-end cloud-based platforms for electronic payments, integrated software, and credit products to small and medium-sized businesses. The company's comprehensive ecosystem, robust proprietary technology, and strong focus on SMBs create a significant competitive moat in the rapidly digitizing Brazilian payments and financial services market. Its extensive distribution network and localized support further solidify its market position.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 9.0B | 10.1B | 11.6B | 13.4B | 14.1% | 13.5B | 14.2B | 15.0B | 5.7% |
| EPS | -1.68 | 5.09 | -5.27 | 10.49 | 43.5% | 2.66 | 11.35 | 13.40 | 13.1% |
| Shares | 312.6M | 308.9M | 286.0M | 248.9M | -20.4% | 229.2M | — | — | — |
| Debt | 5.6B | 5.5B | 12.9B | 17.6B | 46.9% | 16.4B | — | — | — |
| Equity | 12.9B | 14.6B | 11.8B | 11.0B | -5.2% | — | — | — | — |
| Op CF | 1.7B | 1.6B | -3.6B | 676.6M | -26.2% | 3.4B | — | — | — |
| Inv CF | -1.9B | -845.4M | 1.6B | -1.8B | — | — | — | — | — |
| Fin CF | -2.8B | -148.8M | 5.0B | 930.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of STNE are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| STNE | StoneCo Ltd.(you) | $2.6B | 92 | STRONG BUY |
| BLSH | Bullish | $3.6B | 9 | STRONG SELL |
| 4966.TWO | Parade Technologies, Ltd. | $1.5B | 89 | STRONG BUY |
| 6525.TW | GEM Services, Inc. | $592M | 91 | STRONG BUY |
| VTEX | VTEX | $665M | 94 | STRONG BUY |
| CRDO | Credo Technology Group Holding Ltd | $39.7B | 89 | STRONG BUY |
| 4991.TWO | GCS Holdings, Inc. | $1.9B | 38 | HOLD |
| 6456.TW | General Interface Solution (GIS) Holding Limited | $705M | 58 | HOLD |
| 6672.TW | Ventec International Group Co.,Ltd. | $655M | 57 | HOLD |
| 4958.TW | Zhen Ding Technology Holding Limited | $19.7B | 66 | BUY |
Peer medians: ROE 9.5% · P/E 32.6x · Gross margin 27.0%