StoneCo
Payments, banking, and credit tools for Brazilian merchants, delivered through Stone and Ton.
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Profile
Provides Brazilian merchants with card and Pix acceptance, digital banking, receivables prepayment, and credit, earning transaction, rental, subscription, and financial income. Stone serves small and midsize businesses while digital-first Ton targets micro-merchants; the business now reports as one financial-services segment after divesting Linx and other software assets.
Provides payment acceptance, digital banking, receivables prepayment, and merchant credit across Brazil, with Stone aimed at small and midsize businesses and Ton built as a digital-first offer for micro-merchants. Merchants use its terminals and apps to accept cards and Pix, manage accounts and transfers, and access working-capital, revolving-credit, and card products.
Combines proprietary technology with local sales, logistics, and support; revenue comes from transaction services, subscriptions and equipment rental, and financial income tied to prepayments, deposits, and lending. The sale of Linx and other software assets left a single continuing segment focused on financial services, with a smaller retained software operation.
Results depend on Brazilian merchant activity, payment volume, funding costs, credit performance, and compliance with Central Bank rules governing payment and financial institutions.
Company facts
Categories
Key statistics
Year to date −34.0% · Average volume (30d) 4.3M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 28, 2026 | UBS | Target | $15 | $13 | ||
| Jul 23, 2026 | Jefferies | Initiate | Hold | $12.60 | ||
| Jul 17, 2026 | UBS | Reiterate | Buy | $19 | $15 | |
| May 15, 2026 | BTIG | Reiterate | Buy | $22 | $15 | |
| May 15, 2026 | Citigroup | Downgrade | Buy | Neutral |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 13, 2026Q2 FY26 | $0.46 | $0.47 | +1.6% | $708.2M | $691.6M | −2.3% | −6.65% |
| May 14, 2026Q1 FY26 | $0.42 | $0.42 | 0.0% | $675.1M | $687.7M | +1.9% | −0.93% |
| Mar 2, 2026Q4 FY25 | $0.48 | $0.52 | +9.5% | $684.3M | $678.4M | −0.9% | −19.38% |
| Nov 6, 2025Q3 FY25 | $0.43 | $0.43 | 0.0% | $709.0M | $668.6M | −5.7% | −10.81% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $610.8M | $631.3M | $685.2M | $680.0M | $687.4M | $641.1M | |
| Gross profit | $459.9M | $467.9M | $528.1M | $504.9M | $497.4M | $421.0M | |
| Operating income | $301.9M | $304.1M | $381.9M | $347.9M | $352.6M | $264.7M | |
| Net income | $99.3M | $115.8M | $126.8M | $96.0M | $327.8M | $85.4M | |
| Diluted EPS | $0.35 | $0.42 | $0.47 | $0.37 | $1.29 | $0.35 | |
| Gross margin | 75.3% | 74.1% | 77.1% | 74.2% | 72.4% | 65.7% | |
| Operating margin | 49.4% | 48.2% | 55.7% | 51.2% | 51.3% | 41.3% |
Fiscal years (4-quarter sums)FY21 $1.13B · FY22 $1.73B · FY23 $2.18B · FY24 $2.33B · FY25 $2.61B
Balance sheet, Jun 30, 2026Cash & short-term investments $1.57B · Total debt $3.12B · Total assets $11.10B · Shareholders' equity $1.73B
Dividends
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Apr 24, 2026 | Apr 24 | May 4 | $2.53 | special dividend |
Ownership
Shares outstanding 243.23M · Float 215.93M · 88.8% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 36.32M | 14.93% | 13F | Aug 7, 2026 |
| Madrone Advisors, LLC | 25.34M | 10.42% | 13F | Aug 13, 2026 |
| VCK Investment Fund Ltd (SAC) | 21.13M | 8.10% | 13G | Nov 14, 2025 |
| State Street Corp | 7.73M | 3.18% | 13F | Aug 7, 2026 |
| Geode Capital Management, LLC | 5.06M | 2.08% | 13F | Aug 12, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 12, 2026 | Silvio Jose Morais | director | −9,000 | $11.29 |
| May 15, 2026 | Salgado Diego Ventura | officer: CFO and IR Officer | +22,490 | $9.66 |
| Mar 25, 2026 | Silvio Jose Morais | director | −6,800 | $14.33 |
Peers
- PagSeguro Digital
Closest listed Brazil payments and SMB banking peer
- Itaú Unibanco (ADR)
Bank-owned Rede is the largest Brazil acquiring rival
- MercadoLibre
Marketplace-backed Mercado Pago acquiring rival
- Santander Brasil (ADR)
Santander business banking tied to Getnet acceptance
- Nu
Digital SME account and collections challenger
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| StoneCo | $9.70 | 0.00% | $2.36B | 3.9 | 5.7 | 0.9 | +14.3% |
| PagSeguro Digital | $8.92 | +0.22% | $2.57B | 6.2 | 6.4 | 0.7 | +8.8% |
| Itaú Unibanco (ADR) | $7.50 | +0.13% | $82.66B | 9.6 | 9.9 | — | −51.6% |
| MercadoLibre | $1,962.01 | −0.29% | $99.68B | 53.5 | 45.6 | 2.8 | +50.2% |
| Santander Brasil (ADR) | $5.81 | −0.17% | $43.50B | 10.8 | 9.1 | 1.1 | −54.6% |
| Nu | $14.32 | +0.21% | $69.26B | 19.3 | 14.4 | 3.6 | +66.0% |
| Median | 10.8 | 9.9 | 2.0 | +8.8% |