StoneCo Ltd. (STNE) 10-Year Financial Performance & Capital Metrics

STNE •

TechnologyInfrastructure SoftwarePayments and fintech infrastructure

AboutStoneCo Ltd. provides financial technology solutions to merchants and integrated partners to conduct electronic commerce across in-store, online, and mobile channels in Brazil. It distributes its solutions, principally through proprietary Stone Hubs, which offer hyper-local sales and services; and technology and solutions to digital merchants through sales and technical personnel and software vendors, as well as sells solutions to brick-and-mortar and digital merchants through sales team. As of December 31, 2021, the company served approximately 1,766,100 clients primarily small-and-medium-sized businesses; and marketplaces, e-commerce platforms, and integrated software vendors. StoneCo Ltd. was founded in 2000 and is headquartered in George Town, the Cayman Islands. StoneCo Ltd. operates as a subsidiary of HR Holdings, LLC.Show more

Revenue $5.81B +14.9%
EBITDA -$703M -599.5%
Net Income -$1.74B -210.9%
EPS (Diluted) -5.02 -200.6%
Gross Margin 27.91% -23.8%
EBITDA Margin -12.1% -534.6%
Operating Margin -30.85% -115.5%
Net Margin -29.93% -196.5%
ROE -13.12% -215.6%
ROIC -7.17% -131.1%
Debt/Equity 1.09 +189.9%
Interest Coverage -0.42 -129.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓High quality earnings: Operating CF exceeds net income
✓Strong 5Y sales CAGR of 40.3%
✓Share count reduced 5.5% through buybacks

✗Weaknesses

✗Weak Piotroski F-Score: 3/9
✗Negative free cash flow
✗Low asset turnover indicates capital-intensive operations

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y40.29%

3Y27.46%

TTM-7.77%

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-163.22%

EPS CAGR

10Y-

5Y-

3Y-

TTM-156.47%

ROCE

10Y Avg-5.37%

5Y Avg-4.78%

3Y Avg-5.96%

Latest-8.71%

Peer Comparison

Payments and fintech infrastructure

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
KLARKlarna Group plc	5.12B	13.56	2023.88	21.17%	-9.29%	-10.65%	10.6%	0.35
AFRMAffirm Holdings, Inc.	15.27B	46.98	313.20	38.8%	9.66%	7.96%	3.94%	2.56
RELYRemitly Global, Inc.	3.5B	16.70	53.87	29.37%	1.36%	2.63%	8.46%	0.22
TOSTToast, Inc.	14.28B	27.31	48.77	24.05%	5.56%	16.1%	4.26%	0.02
DLODLocal Limited	2.03B	12.24	31.38	14.7%	17.8%	33.87%		0.11
XYZBlock, Inc.	38.35B	63.70	30.33	0.3%	5.39%	5.88%	6.32%	0.33
CSGSCSG Systems International, Inc.	2.31B	79.90	26.37	2.39%	7.17%	30.93%	4.91%	2.03
CPAYCorpay, Inc.	22.81B	325.10	23.27	5.77%	24.37%	25.52%	7.74%	2.54

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	164.56M	341.01M	772.49M	1.07B	1.54B	2.8B	4.54B	5.05B	5.81B
Revenue Growth %	-	107.23%	126.53%	38.36%	44.49%	81.62%	61.69%	11.41%	14.94%
Cost of Goods Sold+	146.05M	259.09M	383.09M	475.6M	870.93M	2B	3.05B	3.2B	4.19B
COGS % of Revenue	88.75%	75.98%	49.59%	44.5%	56.39%	71.22%	67.16%	63.38%	72.09%
Gross Profit+	18.51M	81.92M	389.4M	593.24M	673.41M	807.37M	1.49B	1.85B	1.62B
Gross Margin %	11.25%	24.02%	50.41%	55.5%	43.6%	28.78%	32.84%	36.62%	27.91%
Gross Profit Growth %	-	342.59%	375.34%	52.35%	13.51%	19.89%	84.5%	24.22%	-12.41%
Operating Expenses+	124.29M	249.29M	429.48M	565.61M	810.7M	1.68B	2.45B	2.57B	3.41B
OpEx % of Revenue	75.53%	73.1%	55.6%	52.92%	52.5%	59.94%	53.96%	50.94%	58.76%
Selling, General & Admin	124.29M	249.29M	429.48M	565.61M	810.7M	1.68B	2.45B	2.57B	3.41B
SG&A % of Revenue	75.53%	73.1%	55.6%	52.92%	52.5%	59.94%	53.96%	50.94%	58.76%
Research & Development	0	0	0	0	0	0	0	0	0
R&D % of Revenue	-	-	-	-	-	-	-	-	-
Other Operating Expenses	0	0	0	0	0	0	0	0	0
Operating Income+	-105.78M	-167.37M	-40.08M	27.63M	-137.29M	-873.99M	-957.48M	-723.45M	-1.79B
Operating Margin %	-64.28%	-49.08%	-5.19%	2.58%	-8.89%	-31.16%	-21.11%	-14.32%	-30.85%
Operating Income Growth %	-	-58.22%	76.05%	168.93%	-596.94%	-536.6%	-9.55%	24.44%	-147.7%
EBITDA+	-65.57M	-108.11M	57.86M	186.13M	121.05M	-346.67M	-128.45M	140.72M	-702.9M
EBITDA Margin %	-39.85%	-31.7%	7.49%	17.41%	7.84%	-12.36%	-2.83%	2.79%	-12.1%
EBITDA Growth %	-	-64.86%	153.52%	221.7%	-34.97%	-386.4%	62.95%	209.55%	-599.51%
D&A (Non-Cash Add-back)	40.21M	59.27M	97.94M	158.5M	258.34M	527.32M	829.03M	864.16M	1.09B
EBIT	89.29M	146.84M	789.01M	1.4B	1.49B	-172.59M	3.24B	5.89B	3.09B
Net Interest Income+	2.55M	181.38M	530.63M	906.33M	1.32B	632.56M	1.16B	2.18B	4.55B
Interest Income	231.57M	427.01M	849.97M	1.25B	1.66B	1.95B	4.8B	6.13B	8.81B
Interest Expense	229.02M	245.63M	319.34M	342.87M	342.55M	1.32B	3.64B	3.95B	4.26B
Other Income/Expense	-33.89M	68.27M	509.27M	1.03B	1.27B	-628.4M	556.3M	2.66B	624.63M
Pretax Income+	-139.67M	-99.11M	469.19M	1.06B	1.14B	-1.5B	-401.18M	1.94B	-1.17B
Pretax Margin %	-84.88%	-29.06%	60.74%	98.98%	73.6%	-53.56%	-8.85%	38.38%	-20.1%
Income Tax+	-25.3M	9.64M	145.44M	277.88M	292.53M	-70.89M	144.09M	364.49M	561.42M
Effective Tax Rate %	78.33%	111.52%	68.13%	73.65%	75.74%	94%	134.12%	80.78%	148.9%
Net Income+	-109.41M	-110.52M	319.65M	779.18M	860.88M	-1.41B	-538.04M	1.57B	-1.74B
Net Margin %	-66.49%	-32.41%	41.38%	72.9%	55.74%	-50.35%	-11.86%	31.01%	-29.93%
Net Income Growth %	-	-1.02%	389.21%	143.76%	10.49%	-264.05%	61.9%	391.18%	-210.94%
Net Income (Continuing)	-114.37M	-108.75M	323.76M	780.11M	844.12M	-1.43B	-545.27M	1.57B	-1.73B
Discontinued Operations	0	0	0	0	0	0	0	0	0
Minority Interest	58.12M	15.21M	-300K	155.62K	138.56M	90.77M	56.12M	53.7M	51.3M
EPS (Diluted)+	-0.58	-0.38	1.10	2.90	2.91	-4.46	-1.69	4.99	-5.02
EPS Growth %	-	34.48%	389.47%	163.64%	0.34%	-253.26%	62.11%	395.27%	-200.6%
EPS (Basic)	-0.44	-0.38	1.10	2.90	2.95	-4.46	-1.69	4.74	-5.02
Diluted Shares Outstanding	205.21M	277.07M	277.18M	277.35M	293.74M	308.91M	311.88M	319.27M	301.7M
Basic Shares Outstanding	205.21M	277.07M	277.18M	277.32M	289.29M	308.82M	311.03M	335.95M	301.7M
Dividend Payout Ratio	-	-	-	-	-	-	-	-	-

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	3.32B	6B	12.44B	4.58B	29.27B	29.94B	30.66B	37.15B	45.97B
Cash & Short-Term Investments	236.99M	843.71M	3.07B	970.83M	11.29B	8.84B	8.93B	12.06B	14.55B
Cash Only	170.65M	641.95M	297.9M	240.72M	2.45B	4.5B	1.51B	2.18B	5.23B
Short-Term Investments	66.34M	201.76M	2.77B	730.11M	8.84B	4.34B	7.41B	9.88B	9.32B
Accounts Receivable	3.08B	5.15B	9.29B	3.57B	17.78B	20.39B	21.33B	24.71B	30.89B
Days Sales Outstanding	6.83K	5.51K	4.39K	1.22K	4.2K	2.65K	1.72K	1.79K	1.94K
Inventory	0	-201.76M	39K	0	0	0	0	0	0
Days Inventory Outstanding	-	-	0.04	-	-	-	-	-	-
Other Current Assets	300K	0	8.05M	29.93M	137.84M	552.19M	272.5M	385.04M	527.07M
Total Non-Current Assets+	520.18M	636.22M	855.4M	298.52M	2.47B	12.15B	11.59B	11.54B	8.85B
Property, Plant & Equipment	93.42M	189.63M	266.3M	136.38M	717.23M	1.57B	1.64B	1.66B	1.83B
Fixed Asset Turnover	1.76x	1.80x	2.90x	7.84x	2.15x	1.79x	2.76x	3.04x	3.17x
Goodwill	118.71M	118.71M	143.19M	35.6M	654.04M	5.59B	5.65B	5.63B	2.08B
Intangible Assets	121.02M	115.38M	164.46M	57.3M	385.84M	2.69B	2.98B	3.16B	3.38B
Long-Term Investments	1.69M	1.74M	2.2M	10.21M	51.98M	1.3B	324.52M	128.71M	108.38M
Other Non-Current Assets	2.35M	12.52M	16.5M	11.11M	526.04M	420.1M	308.24M	290.94M	576.32M
Total Assets+	3.84B	6.64B	13.29B	4.87B	31.75B	42.1B	42.25B	48.69B	54.81B
Asset Turnover	0.04x	0.05x	0.06x	0.22x	0.05x	0.07x	0.11x	0.10x	0.11x
Asset Growth %	-	72.84%	100.33%	-63.34%	551.42%	32.59%	0.35%	15.26%	12.57%
Total Current Liabilities+	3.12B	3.82B	6.05B	2.95B	13.38B	22.79B	25.17B	28.83B	33.53B
Accounts Payable	38.21M	53.24M	117.84M	1.64B	180.49M	372.55M	596.04M	513.88M	672.18M
Days Payables Outstanding	95.49	75	112.27	1.26K	75.64	68.07	71.43	58.57	58.6
Short-Term Debt	22.8M	22.53M	777.7M	1.25B	3.1B	3.81B	2.77B	1.85B	4.92B
Deferred Revenue (Current)	7.05M	3.74B	5.16B	0	900.45M	2.2B	4.02B	6.12B	8.7B
Other Current Liabilities	16.42M	35.96M	111.49M	22.24M	199.71M	442.09M	823.92M	639.83M	870.01M
Current Ratio	1.06x	1.57x	2.05x	1.55x	2.19x	1.31x	1.22x	1.29x	1.37x
Quick Ratio	1.06x	1.62x	2.05x	1.55x	2.19x	1.31x	1.22x	1.29x	1.37x
Cash Conversion Cycle	-	-	4.28K	-	-	-	-	-	-
Total Non-Current Liabilities+	130.09M	2.33B	2.15B	437.57M	3.38B	5.68B	4.12B	5.19B	9.45B
Long-Term Debt	18.02M	2.06B	2.06B	402.71M	2.81B	4.28B	2.58B	3.5B	7.73B
Capital Lease Obligations	0	0	0	21.75M	126M	206.92M	144.56M	143.46M	197.11M
Deferred Tax Liabilities	33.41M	52.27M	80.2M	2.66M	61.09M	629.91M	500.25M	546.51M	680.67M
Other Non-Current Liabilities	112.07M	270.24M	80.3M	10.45M	376.38M	561.21M	892.56M	1B	845.59M
Total Liabilities	3.25B	6.15B	8.2B	3.39B	16.76B	28.47B	29.3B	34.02B	42.99B
Total Debt+	40.83M	2.08B	2.84B	1.68B	6.08B	8.36B	5.55B	5.52B	12.9B
Net Debt	-129.82M	1.44B	2.54B	1.44B	3.64B	3.87B	4.04B	3.34B	7.67B
Debt / Equity	0.07x	4.31x	0.56x	1.13x	0.41x	0.61x	0.43x	0.38x	1.09x
Debt / EBITDA	-	-	49.03x	9.01x	50.26x	-	-	39.22x	-
Net Debt / EBITDA	-	-	43.89x	7.72x	30.04x	-	-	23.76x	-
Interest Coverage	-0.46x	-0.68x	-0.13x	0.08x	-0.40x	-0.66x	-0.26x	-0.18x	-0.42x
Total Equity+	587.24M	482.58M	5.09B	1.48B	14.99B	13.63B	12.95B	14.68B	11.83B
Equity Growth %	-	-17.82%	955.38%	-70.85%	909.68%	-9.1%	-4.97%	13.33%	-19.41%
Book Value per Share	2.86	1.74	18.37	5.35	51.04	44.11	41.52	45.97	39.20
Total Shareholders' Equity	529.12M	467.37M	5.09B	1.48B	14.85B	13.54B	12.89B	14.62B	11.78B
Common Stock	41K	46K	100K	15.41K	75K	76K	76K	76K	76K
Retained Earnings	-394.29M	-503.02M	-202.3M	149.39M	1.46B	96.21M	-423.2M	1.17B	-346.36M
Treasury Stock	0	0	0	-22.37K	-76.36M	-1.07B	-69.08M	-282.71M	-1.81B
Accumulated OCI	923.37M	970.34M	5.3B	-17.05M	13.47B	14.51B	13.39B	13.74B	13.93B
Minority Interest	58.12M	15.21M	-300K	155.62K	138.56M	90.77M	56.12M	53.7M	51.3M

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-493.4M	-1.28B	-2.42B	-2.65B	56.48M	3.61B	1.68B	1.65B	-3.62B
Operating CF Margin %	-299.84%	-376.51%	-312.7%	-248.1%	3.66%	128.59%	37.12%	32.61%	-62.35%
Operating CF Growth %	-	-160.22%	-88.14%	-9.78%	102.13%	6285.71%	-53.32%	-2.14%	-319.78%
Net Income	-122.19M	-104.97M	305.2M	804.2M	837.45M	-1.38B	-526.4M	1.6B	-1.51B
Depreciation & Amortization	42.96M	57.21M	92.3M	163.4M	256.29M	507.37M	800.33M	878.18M	949.39M
Stock-Based Compensation	53.06M	138.94M	46.1M	30.79M	31.51M	113.17M	213.08M	251.24M	232.67M
Deferred Taxes	-27.29M	3.62M	-17.8M	69.23M	73.33M	-239.83M	-153.07M	24.59M	-38.5M
Other Non-Cash Items	29.19M	173.94M	421.3M	891.36M	629.84M	3.3B	2.48B	2.3B	7.62B
Working Capital Changes	-469.13M	-1.55B	-3.26B	-4.61B	-1.77B	1.3B	-1.13B	-3.41B	-10.88B
Change in Receivables	-1.47B	-1.78B	-4.02B	-5.13B	-3.44B	-2.99B	1.72B	237.41M	-2.81B
Change in Inventory	3.14M	18.51M	131.4M	0	286.77M	0	0	0	0
Change in Payables	993.03M	210.25M	570.1M	-3.43M	1.38B	40.77M	323.62M	-80.02M	361.68M
Cash from Investing+	189.91M	-299.67M	-2.74B	-437.56M	-5.81B	-2.98B	-1.87B	-845.44M	1.59B
Capital Expenditures	-43.1M	-162.26M	-185.7M	-333.57M	-455.1M	-1.08B	-417.73M	-736.24M	0
CapEx % of Revenue	26.19%	47.58%	24.04%	31.21%	29.47%	38.61%	9.21%	14.57%	21.9%
Acquisitions	6.6M	-1.22M	-7.4M	-16.79M	-291.85M	-4.78B	-121.06M	0	-194.62M
Investments	-	-	-	-	-	-	-	-	-
Other Investing	21.24M	30.61M	58.1M	-65.28M	90.09M	-215.58M	-278.5M	-511.32M	-1.27B
Cash from Financing+	377.99M	2.05B	4.79B	3.76B	7.22B	1.42B	-2.81B	-148.8M	5.04B
Debt Issued (Net)	-104.87M	2.03B	738.95M	3.76B	-769.04M	2.18B	-2.46B	151.37M	2.88B
Equity Issued (Net)	0	-1000K	-1000K	-90K	1000K	-1000K	1000K	-1000K	-1000K
Dividends Paid	0	0	0	0	0	0	0	0	0
Share Repurchases	0	-280.82M	-142.44M	-90K	-76.36M	-988.82M	0	-292.75M	-1.59B
Other Financing	482.86M	305.62M	4.2B	-927K	228.98M	227.16M	-408.24M	-7.42M	3.75B
Net Change in Cash	87.11M	471.31M	-344M	670.41M	1.48B	2.05B	-2.98B	663.81M	3.05B
Free Cash Flow+	-536.51M	-1.45B	-2.6B	-3.05B	-398.62M	2.31B	960.44M	437.41M	-4.89B
FCF Margin %	-326.03%	-424.1%	-336.74%	-285.52%	-25.81%	82.29%	21.18%	8.66%	-84.25%
FCF Growth %	-	-169.56%	-79.87%	-17.32%	86.94%	679.06%	-58.39%	-54.46%	-1218.66%
FCF per Share	-2.61	-5.22	-9.38	-11.00	-1.36	7.47	3.08	1.37	-16.22
FCF Conversion (FCF/Net Income)	4.51x	11.62x	-7.56x	-3.40x	0.07x	-2.55x	-3.13x	1.05x	2.08x
Interest Paid	0	0	0	0	0	0	0	0	0
Taxes Paid	0	0	0	0	0	0	0	0	0

Key Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-18.63%	-20.66%	11.47%	23.69%	10.45%	-9.87%	-4.05%	11.34%	-13.12%
Return on Invested Capital (ROIC)	-17.34%	-10.55%	-0.63%	0.39%	-0.96%	-3.63%	-4.17%	-3.1%	-7.17%
Gross Margin	11.25%	24.02%	50.41%	55.5%	43.6%	28.78%	32.84%	36.62%	27.91%
Net Margin	-66.49%	-32.41%	41.38%	72.9%	55.74%	-50.35%	-11.86%	31.01%	-29.93%
Debt / Equity	0.07x	4.31x	0.56x	1.13x	0.41x	0.61x	0.43x	0.38x	1.09x
Interest Coverage	-0.46x	-0.68x	-0.13x	0.08x	-0.40x	-0.66x	-0.26x	-0.18x	-0.42x
FCF Conversion	4.51x	11.62x	-7.56x	-3.40x	0.07x	-2.55x	-3.13x	1.05x	2.08x
Revenue Growth	-	107.23%	126.53%	38.36%	44.49%	81.62%	61.69%	11.41%	14.94%

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StoneCo Ltd. (STNE) 10-Year Financial Performance & Capital Metrics

STNE •

TechnologyInfrastructure SoftwarePayments and fintech infrastructure

Revenue $5.81B +14.9%
EBITDA -$703M -599.5%
Net Income -$1.74B -210.9%
EPS (Diluted) -5.02 -200.6%
Gross Margin 27.91% -23.8%
EBITDA Margin -12.1% -534.6%
Operating Margin -30.85% -115.5%
Net Margin -29.93% -196.5%
ROE -13.12% -215.6%
ROIC -7.17% -131.1%
Debt/Equity 1.09 +189.9%
Interest Coverage -0.42 -129.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓High quality earnings: Operating CF exceeds net income
✓Strong 5Y sales CAGR of 40.3%
✓Share count reduced 5.5% through buybacks

✗Weaknesses

✗Weak Piotroski F-Score: 3/9
✗Negative free cash flow
✗Low asset turnover indicates capital-intensive operations

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y40.29%

3Y27.46%

TTM-7.77%

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-163.22%

EPS CAGR

10Y-

5Y-

3Y-

TTM-156.47%

ROCE

10Y Avg-5.37%

5Y Avg-4.78%

3Y Avg-5.96%

Latest-8.71%

Peer Comparison

Payments and fintech infrastructure

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
KLARKlarna Group plc	5.12B	13.56	2023.88	21.17%	-9.29%	-10.65%	10.6%	0.35
AFRMAffirm Holdings, Inc.	15.27B	46.98	313.20	38.8%	9.66%	7.96%	3.94%	2.56
RELYRemitly Global, Inc.	3.5B	16.70	53.87	29.37%	1.36%	2.63%	8.46%	0.22
TOSTToast, Inc.	14.28B	27.31	48.77	24.05%	5.56%	16.1%	4.26%	0.02
DLODLocal Limited	2.03B	12.24	31.38	14.7%	17.8%	33.87%		0.11
XYZBlock, Inc.	38.35B	63.70	30.33	0.3%	5.39%	5.88%	6.32%	0.33
CSGSCSG Systems International, Inc.	2.31B	79.90	26.37	2.39%	7.17%	30.93%	4.91%	2.03
CPAYCorpay, Inc.	22.81B	325.10	23.27	5.77%	24.37%	25.52%	7.74%	2.54

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	164.56M	341.01M	772.49M	1.07B	1.54B	2.8B	4.54B	5.05B	5.81B
Revenue Growth %	-	107.23%	126.53%	38.36%	44.49%	81.62%	61.69%	11.41%	14.94%
Cost of Goods Sold+	146.05M	259.09M	383.09M	475.6M	870.93M	2B	3.05B	3.2B	4.19B
COGS % of Revenue	88.75%	75.98%	49.59%	44.5%	56.39%	71.22%	67.16%	63.38%	72.09%
Gross Profit+	18.51M	81.92M	389.4M	593.24M	673.41M	807.37M	1.49B	1.85B	1.62B
Gross Margin %	11.25%	24.02%	50.41%	55.5%	43.6%	28.78%	32.84%	36.62%	27.91%
Gross Profit Growth %	-	342.59%	375.34%	52.35%	13.51%	19.89%	84.5%	24.22%	-12.41%
Operating Expenses+	124.29M	249.29M	429.48M	565.61M	810.7M	1.68B	2.45B	2.57B	3.41B
OpEx % of Revenue	75.53%	73.1%	55.6%	52.92%	52.5%	59.94%	53.96%	50.94%	58.76%
Selling, General & Admin	124.29M	249.29M	429.48M	565.61M	810.7M	1.68B	2.45B	2.57B	3.41B
SG&A % of Revenue	75.53%	73.1%	55.6%	52.92%	52.5%	59.94%	53.96%	50.94%	58.76%
Research & Development	0	0	0	0	0	0	0	0	0
R&D % of Revenue	-	-	-	-	-	-	-	-	-
Other Operating Expenses	0	0	0	0	0	0	0	0	0
Operating Income+	-105.78M	-167.37M	-40.08M	27.63M	-137.29M	-873.99M	-957.48M	-723.45M	-1.79B
Operating Margin %	-64.28%	-49.08%	-5.19%	2.58%	-8.89%	-31.16%	-21.11%	-14.32%	-30.85%
Operating Income Growth %	-	-58.22%	76.05%	168.93%	-596.94%	-536.6%	-9.55%	24.44%	-147.7%
EBITDA+	-65.57M	-108.11M	57.86M	186.13M	121.05M	-346.67M	-128.45M	140.72M	-702.9M
EBITDA Margin %	-39.85%	-31.7%	7.49%	17.41%	7.84%	-12.36%	-2.83%	2.79%	-12.1%
EBITDA Growth %	-	-64.86%	153.52%	221.7%	-34.97%	-386.4%	62.95%	209.55%	-599.51%
D&A (Non-Cash Add-back)	40.21M	59.27M	97.94M	158.5M	258.34M	527.32M	829.03M	864.16M	1.09B
EBIT	89.29M	146.84M	789.01M	1.4B	1.49B	-172.59M	3.24B	5.89B	3.09B
Net Interest Income+	2.55M	181.38M	530.63M	906.33M	1.32B	632.56M	1.16B	2.18B	4.55B
Interest Income	231.57M	427.01M	849.97M	1.25B	1.66B	1.95B	4.8B	6.13B	8.81B
Interest Expense	229.02M	245.63M	319.34M	342.87M	342.55M	1.32B	3.64B	3.95B	4.26B
Other Income/Expense	-33.89M	68.27M	509.27M	1.03B	1.27B	-628.4M	556.3M	2.66B	624.63M
Pretax Income+	-139.67M	-99.11M	469.19M	1.06B	1.14B	-1.5B	-401.18M	1.94B	-1.17B
Pretax Margin %	-84.88%	-29.06%	60.74%	98.98%	73.6%	-53.56%	-8.85%	38.38%	-20.1%
Income Tax+	-25.3M	9.64M	145.44M	277.88M	292.53M	-70.89M	144.09M	364.49M	561.42M
Effective Tax Rate %	78.33%	111.52%	68.13%	73.65%	75.74%	94%	134.12%	80.78%	148.9%
Net Income+	-109.41M	-110.52M	319.65M	779.18M	860.88M	-1.41B	-538.04M	1.57B	-1.74B
Net Margin %	-66.49%	-32.41%	41.38%	72.9%	55.74%	-50.35%	-11.86%	31.01%	-29.93%
Net Income Growth %	-	-1.02%	389.21%	143.76%	10.49%	-264.05%	61.9%	391.18%	-210.94%
Net Income (Continuing)	-114.37M	-108.75M	323.76M	780.11M	844.12M	-1.43B	-545.27M	1.57B	-1.73B
Discontinued Operations	0	0	0	0	0	0	0	0	0
Minority Interest	58.12M	15.21M	-300K	155.62K	138.56M	90.77M	56.12M	53.7M	51.3M
EPS (Diluted)+	-0.58	-0.38	1.10	2.90	2.91	-4.46	-1.69	4.99	-5.02
EPS Growth %	-	34.48%	389.47%	163.64%	0.34%	-253.26%	62.11%	395.27%	-200.6%
EPS (Basic)	-0.44	-0.38	1.10	2.90	2.95	-4.46	-1.69	4.74	-5.02
Diluted Shares Outstanding	205.21M	277.07M	277.18M	277.35M	293.74M	308.91M	311.88M	319.27M	301.7M
Basic Shares Outstanding	205.21M	277.07M	277.18M	277.32M	289.29M	308.82M	311.03M	335.95M	301.7M
Dividend Payout Ratio	-	-	-	-	-	-	-	-	-

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	3.32B	6B	12.44B	4.58B	29.27B	29.94B	30.66B	37.15B	45.97B
Cash & Short-Term Investments	236.99M	843.71M	3.07B	970.83M	11.29B	8.84B	8.93B	12.06B	14.55B
Cash Only	170.65M	641.95M	297.9M	240.72M	2.45B	4.5B	1.51B	2.18B	5.23B
Short-Term Investments	66.34M	201.76M	2.77B	730.11M	8.84B	4.34B	7.41B	9.88B	9.32B
Accounts Receivable	3.08B	5.15B	9.29B	3.57B	17.78B	20.39B	21.33B	24.71B	30.89B
Days Sales Outstanding	6.83K	5.51K	4.39K	1.22K	4.2K	2.65K	1.72K	1.79K	1.94K
Inventory	0	-201.76M	39K	0	0	0	0	0	0
Days Inventory Outstanding	-	-	0.04	-	-	-	-	-	-
Other Current Assets	300K	0	8.05M	29.93M	137.84M	552.19M	272.5M	385.04M	527.07M
Total Non-Current Assets+	520.18M	636.22M	855.4M	298.52M	2.47B	12.15B	11.59B	11.54B	8.85B
Property, Plant & Equipment	93.42M	189.63M	266.3M	136.38M	717.23M	1.57B	1.64B	1.66B	1.83B
Fixed Asset Turnover	1.76x	1.80x	2.90x	7.84x	2.15x	1.79x	2.76x	3.04x	3.17x
Goodwill	118.71M	118.71M	143.19M	35.6M	654.04M	5.59B	5.65B	5.63B	2.08B
Intangible Assets	121.02M	115.38M	164.46M	57.3M	385.84M	2.69B	2.98B	3.16B	3.38B
Long-Term Investments	1.69M	1.74M	2.2M	10.21M	51.98M	1.3B	324.52M	128.71M	108.38M
Other Non-Current Assets	2.35M	12.52M	16.5M	11.11M	526.04M	420.1M	308.24M	290.94M	576.32M
Total Assets+	3.84B	6.64B	13.29B	4.87B	31.75B	42.1B	42.25B	48.69B	54.81B
Asset Turnover	0.04x	0.05x	0.06x	0.22x	0.05x	0.07x	0.11x	0.10x	0.11x
Asset Growth %	-	72.84%	100.33%	-63.34%	551.42%	32.59%	0.35%	15.26%	12.57%
Total Current Liabilities+	3.12B	3.82B	6.05B	2.95B	13.38B	22.79B	25.17B	28.83B	33.53B
Accounts Payable	38.21M	53.24M	117.84M	1.64B	180.49M	372.55M	596.04M	513.88M	672.18M
Days Payables Outstanding	95.49	75	112.27	1.26K	75.64	68.07	71.43	58.57	58.6
Short-Term Debt	22.8M	22.53M	777.7M	1.25B	3.1B	3.81B	2.77B	1.85B	4.92B
Deferred Revenue (Current)	7.05M	3.74B	5.16B	0	900.45M	2.2B	4.02B	6.12B	8.7B
Other Current Liabilities	16.42M	35.96M	111.49M	22.24M	199.71M	442.09M	823.92M	639.83M	870.01M
Current Ratio	1.06x	1.57x	2.05x	1.55x	2.19x	1.31x	1.22x	1.29x	1.37x
Quick Ratio	1.06x	1.62x	2.05x	1.55x	2.19x	1.31x	1.22x	1.29x	1.37x
Cash Conversion Cycle	-	-	4.28K	-	-	-	-	-	-
Total Non-Current Liabilities+	130.09M	2.33B	2.15B	437.57M	3.38B	5.68B	4.12B	5.19B	9.45B
Long-Term Debt	18.02M	2.06B	2.06B	402.71M	2.81B	4.28B	2.58B	3.5B	7.73B
Capital Lease Obligations	0	0	0	21.75M	126M	206.92M	144.56M	143.46M	197.11M
Deferred Tax Liabilities	33.41M	52.27M	80.2M	2.66M	61.09M	629.91M	500.25M	546.51M	680.67M
Other Non-Current Liabilities	112.07M	270.24M	80.3M	10.45M	376.38M	561.21M	892.56M	1B	845.59M
Total Liabilities	3.25B	6.15B	8.2B	3.39B	16.76B	28.47B	29.3B	34.02B	42.99B
Total Debt+	40.83M	2.08B	2.84B	1.68B	6.08B	8.36B	5.55B	5.52B	12.9B
Net Debt	-129.82M	1.44B	2.54B	1.44B	3.64B	3.87B	4.04B	3.34B	7.67B
Debt / Equity	0.07x	4.31x	0.56x	1.13x	0.41x	0.61x	0.43x	0.38x	1.09x
Debt / EBITDA	-	-	49.03x	9.01x	50.26x	-	-	39.22x	-
Net Debt / EBITDA	-	-	43.89x	7.72x	30.04x	-	-	23.76x	-
Interest Coverage	-0.46x	-0.68x	-0.13x	0.08x	-0.40x	-0.66x	-0.26x	-0.18x	-0.42x
Total Equity+	587.24M	482.58M	5.09B	1.48B	14.99B	13.63B	12.95B	14.68B	11.83B
Equity Growth %	-	-17.82%	955.38%	-70.85%	909.68%	-9.1%	-4.97%	13.33%	-19.41%
Book Value per Share	2.86	1.74	18.37	5.35	51.04	44.11	41.52	45.97	39.20
Total Shareholders' Equity	529.12M	467.37M	5.09B	1.48B	14.85B	13.54B	12.89B	14.62B	11.78B
Common Stock	41K	46K	100K	15.41K	75K	76K	76K	76K	76K
Retained Earnings	-394.29M	-503.02M	-202.3M	149.39M	1.46B	96.21M	-423.2M	1.17B	-346.36M
Treasury Stock	0	0	0	-22.37K	-76.36M	-1.07B	-69.08M	-282.71M	-1.81B
Accumulated OCI	923.37M	970.34M	5.3B	-17.05M	13.47B	14.51B	13.39B	13.74B	13.93B
Minority Interest	58.12M	15.21M	-300K	155.62K	138.56M	90.77M	56.12M	53.7M	51.3M

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-493.4M	-1.28B	-2.42B	-2.65B	56.48M	3.61B	1.68B	1.65B	-3.62B
Operating CF Margin %	-299.84%	-376.51%	-312.7%	-248.1%	3.66%	128.59%	37.12%	32.61%	-62.35%
Operating CF Growth %	-	-160.22%	-88.14%	-9.78%	102.13%	6285.71%	-53.32%	-2.14%	-319.78%
Net Income	-122.19M	-104.97M	305.2M	804.2M	837.45M	-1.38B	-526.4M	1.6B	-1.51B
Depreciation & Amortization	42.96M	57.21M	92.3M	163.4M	256.29M	507.37M	800.33M	878.18M	949.39M
Stock-Based Compensation	53.06M	138.94M	46.1M	30.79M	31.51M	113.17M	213.08M	251.24M	232.67M
Deferred Taxes	-27.29M	3.62M	-17.8M	69.23M	73.33M	-239.83M	-153.07M	24.59M	-38.5M
Other Non-Cash Items	29.19M	173.94M	421.3M	891.36M	629.84M	3.3B	2.48B	2.3B	7.62B
Working Capital Changes	-469.13M	-1.55B	-3.26B	-4.61B	-1.77B	1.3B	-1.13B	-3.41B	-10.88B
Change in Receivables	-1.47B	-1.78B	-4.02B	-5.13B	-3.44B	-2.99B	1.72B	237.41M	-2.81B
Change in Inventory	3.14M	18.51M	131.4M	0	286.77M	0	0	0	0
Change in Payables	993.03M	210.25M	570.1M	-3.43M	1.38B	40.77M	323.62M	-80.02M	361.68M
Cash from Investing+	189.91M	-299.67M	-2.74B	-437.56M	-5.81B	-2.98B	-1.87B	-845.44M	1.59B
Capital Expenditures	-43.1M	-162.26M	-185.7M	-333.57M	-455.1M	-1.08B	-417.73M	-736.24M	0
CapEx % of Revenue	26.19%	47.58%	24.04%	31.21%	29.47%	38.61%	9.21%	14.57%	21.9%
Acquisitions	6.6M	-1.22M	-7.4M	-16.79M	-291.85M	-4.78B	-121.06M	0	-194.62M
Investments	-	-	-	-	-	-	-	-	-
Other Investing	21.24M	30.61M	58.1M	-65.28M	90.09M	-215.58M	-278.5M	-511.32M	-1.27B
Cash from Financing+	377.99M	2.05B	4.79B	3.76B	7.22B	1.42B	-2.81B	-148.8M	5.04B
Debt Issued (Net)	-104.87M	2.03B	738.95M	3.76B	-769.04M	2.18B	-2.46B	151.37M	2.88B
Equity Issued (Net)	0	-1000K	-1000K	-90K	1000K	-1000K	1000K	-1000K	-1000K
Dividends Paid	0	0	0	0	0	0	0	0	0
Share Repurchases	0	-280.82M	-142.44M	-90K	-76.36M	-988.82M	0	-292.75M	-1.59B
Other Financing	482.86M	305.62M	4.2B	-927K	228.98M	227.16M	-408.24M	-7.42M	3.75B
Net Change in Cash	87.11M	471.31M	-344M	670.41M	1.48B	2.05B	-2.98B	663.81M	3.05B
Free Cash Flow+	-536.51M	-1.45B	-2.6B	-3.05B	-398.62M	2.31B	960.44M	437.41M	-4.89B
FCF Margin %	-326.03%	-424.1%	-336.74%	-285.52%	-25.81%	82.29%	21.18%	8.66%	-84.25%
FCF Growth %	-	-169.56%	-79.87%	-17.32%	86.94%	679.06%	-58.39%	-54.46%	-1218.66%
FCF per Share	-2.61	-5.22	-9.38	-11.00	-1.36	7.47	3.08	1.37	-16.22
FCF Conversion (FCF/Net Income)	4.51x	11.62x	-7.56x	-3.40x	0.07x	-2.55x	-3.13x	1.05x	2.08x
Interest Paid	0	0	0	0	0	0	0	0	0
Taxes Paid	0	0	0	0	0	0	0	0	0

Key Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-18.63%	-20.66%	11.47%	23.69%	10.45%	-9.87%	-4.05%	11.34%	-13.12%
Return on Invested Capital (ROIC)	-17.34%	-10.55%	-0.63%	0.39%	-0.96%	-3.63%	-4.17%	-3.1%	-7.17%
Gross Margin	11.25%	24.02%	50.41%	55.5%	43.6%	28.78%	32.84%	36.62%	27.91%
Net Margin	-66.49%	-32.41%	41.38%	72.9%	55.74%	-50.35%	-11.86%	31.01%	-29.93%
Debt / Equity	0.07x	4.31x	0.56x	1.13x	0.41x	0.61x	0.43x	0.38x	1.09x
Interest Coverage	-0.46x	-0.68x	-0.13x	0.08x	-0.40x	-0.66x	-0.26x	-0.18x	-0.42x
FCF Conversion	4.51x	11.62x	-7.56x	-3.40x	0.07x	-2.55x	-3.13x	1.05x	2.08x
Revenue Growth	-	107.23%	126.53%	38.36%	44.49%	81.62%	61.69%	11.41%	14.94%

StoneCo Ltd. (STNE) 10-Year Financial Performance & Capital Metrics

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StoneCo Ltd. (STNE) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare STNE vs Peers

vs XYZ

vs CPAY

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

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Deep Dive Analysis

Valuation Overview

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Dividend History

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Financial Ratios