Company Deep Dive
Read the full research report: business segments breakdown, earnings transcripts review, management credibility analysis, competitive landscape, and scenarios.
STNE
BuyUnloved QualityFLAGStoneCo Ltd. · Technology · Cayman Islands · $2.2B · Avg Vol: $55M/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 | 1.8B | 2.0B | 2.3B | 2.6B | 14.1% | 2.7B | 2.8B | 2.9B | 5.6% |
| EPS | -0.33 | 1.00 | -1.03 | 2.06 | 43.5% | 2.65 | 2.16 | 2.59 | 12.3% |
| Shares | 312.6M | 308.9M | 286.0M | 248.9M | -20.4% | 216.5M | — | — | — |
| Debt | 1.1B | 1.1B | 2.5B | 3.4B | 46.9% | 3.3B | — | — | — |
| Equity | 2.5B | 2.9B | 2.3B | 2.2B | -5.2% | — | — | — | — |
| Op CF | 330.2M | 323.2M | -710.2M | 132.7M | -26.2% | 922.9M | — | — | — |
| Inv CF | -367.0M | -165.8M | 311.3M | -345.1M | — | — | — | — | — |
| Fin CF | -551.1M | -29.2M | 988.6M | 182.5M | — | — | — | — | — |
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) | $2.2B | 65 | Buy |
| BLSH | Bullish | $5.0B | 9 | Strong Sell |
| 4966.TWO | Parade Technologies, Ltd. | $1.4B | 77 | Buy |
| 6672.TW | Ventec International Group Co.,Ltd. | $747M | 69 | Buy |
| 4991.TWO | GCS Holdings, Inc. | $2.0B | 35 | Hold |
| 6415.TW | Silergy Corp. | $5.6B | 41 | Hold |
| 6456.TW | General Interface Solution (GIS) Holding Limited | $776M | 40 | Hold |
| 4958.TW | Zhen Ding Technology Holding Limited | $16.8B | 72 | Buy |
| FN | Fabrinet | $14.8B | 54 | Hold |
| 6525.TW | GEM Services, Inc. | $590M | 93 | Strong Buy |
Peer medians: ROE 10.5% · P/E 34.0x · Gross margin 27.1%