StoneCo Ltd. (STNE) Financial Ratios
10 years of historical data (2016–2025) · Technology · Software - Infrastructure
EV/EBITDA
↓
N/A
—
5yr avg: 2.76
30Y Low1.5·High17.3
P/FCF
↑
N/A
—
5yr avg: 6.16
30Y Low2.3·High13.2
P/B Ratio
↓
1.39
↑+342% vs avg
5yr avg: 0.31
30Y Low0.2·High7.5
ROE
↑
19.9%
↓+1416% vs avg
5yr avg: 1.3%
30Y Low-20%·High24%
Debt/EBITDA
↓
N/A
—
5yr avg: 2.51
30Y Low0.2·High6.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
STNE Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
StoneCo Ltd. trades at 6.7x earnings, 150% above its 5-year average of 2.7x, sitting at the 40th percentile of its historical range. Compared to the Technology sector median P/E of 27.5x, the stock trades at a discount of 75%.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $2.8B | $4.0B | $2.4B | $5.8B | $2.9B | $5.2B | $24.7B | $11.1B | $5.1B | — | — |
| Enterprise Value | $5.4B | $16.8B | $10.1B | $9.1B | $7.0B | $9.1B | $28.3B | $12.5B | $7.7B | — | — |
| P/E Ratio → | 6.74 | 1.78 | — | 3.61 | — | — | 28.84 | 13.76 | 16.76 | — | — |
| P/S Ratio | 4.16 | 1.22 | 0.19 | 0.51 | 0.33 | 1.14 | 7.78 | 4.63 | 3.34 | — | — |
| P/B Ratio | 1.39 | 0.37 | 0.20 | 0.39 | 0.23 | 0.38 | 1.64 | 7.45 | 1.00 | — | — |
| P/FCF | — | — | — | 13.16 | 3.07 | 2.26 | — | — | — | — | — |
| P/OCF | 20.78 | 6.10 | — | 3.49 | 1.75 | 1.44 | 436.41 | — | — | — | — |
P/E links to full P/E history page with 30-year chart
STNE EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 5.07 | 0.79 | 0.80 | 0.77 | 1.98 | 8.93 | 5.23 | 5.00 | — | — |
| EV / EBITDA | — | — | 1.53 | 1.55 | 1.62 | 6.34 | 17.31 | 8.45 | 9.62 | — | — |
| EV / EBIT | — | — | 1.76 | 1.73 | 2.05 | 10.67 | 21.21 | 9.50 | 11.37 | — | — |
| EV / FCF | — | — | — | 20.80 | 7.27 | 3.93 | — | — | — | — | — |
STNE Profitability
Margins and return-on-capital ratios measuring operating efficiency
StoneCo Ltd. earns an operating margin of -90.2%. Operating margins have compressed from 46.1% to -90.2% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 19.9% indicates solid capital efficiency.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | -3.7% | -3.7% | 73.4% | 73.8% | 70.4% | 62.6% | 75.7% | 82.1% | 78.9% | 69.8% | 68.5% |
| Operating Margin | -90.2% | -90.2% | 46.2% | 46.1% | 38.8% | 20.2% | 43.5% | 55.1% | 45.9% | 33.8% | 31.8% |
| Net Profit Margin | 68.6% | 68.6% | -11.9% | 14.0% | -5.8% | -29.7% | 27.0% | 33.6% | 19.7% | -14.7% | -28.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 19.9% | 19.9% | -11.4% | 11.5% | -3.9% | -9.5% | 10.4% | 24.4% | 10.8% | -20.3% | -20.4% |
| ROA | 3.9% | 3.9% | -2.9% | 3.5% | -1.2% | -3.7% | 4.7% | 8.8% | 3.0% | -2.1% | -3.1% |
| ROIC | -10.4% | -10.4% | 23.5% | 22.5% | 15.2% | 3.8% | 9.6% | 18.7% | 11.0% | 15.8% | 22.0% |
| ROCE | -13.9% | -13.9% | 28.6% | 28.4% | 19.2% | 4.9% | 13.6% | 28.7% | 14.0% | 14.2% | 18.7% |
STNE Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $12.8B ($17.6B total debt minus $4.8B cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.59 | 1.59 | 1.09 | 0.38 | 0.43 | 0.61 | 0.41 | 1.13 | 0.56 | 4.31 | 0.07 |
| Debt / EBITDA | — | — | 1.96 | 0.94 | 1.29 | 5.84 | 3.72 | 1.13 | 3.57 | 6.76 | 0.23 |
| Net Debt / Equity | — | 1.15 | 0.65 | 0.23 | 0.31 | 0.28 | 0.24 | 0.97 | 0.50 | 2.98 | -0.22 |
| Net Debt / EBITDA | — | — | 1.17 | 0.57 | 0.94 | 2.70 | 2.23 | 0.97 | 3.19 | 4.68 | -0.73 |
| Debt / FCF | — | — | — | 7.64 | 4.20 | 1.68 | — | — | — | — | — |
| Interest Coverage | -0.68 | -0.68 | 5.57 | 7.54 | 3.75 | 1.85 | 4.05 | 3.72 | 2.33 | 1.06 | 0.55 |
STNE Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.30x means StoneCo Ltd. can comfortably meet its short-term obligations, though there is limited excess liquidity.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.30 | 1.30 | 1.37 | 1.29 | 1.22 | 1.31 | 2.19 | 1.55 | 2.05 | 1.57 | 1.06 |
| Quick Ratio | 1.30 | 1.30 | 1.37 | 1.29 | 1.22 | 1.31 | 2.19 | 1.55 | 2.05 | 1.62 | 1.06 |
| Cash Ratio | 0.15 | 0.15 | 0.43 | 0.42 | 0.35 | 0.39 | 0.84 | 0.33 | 0.51 | 0.22 | 0.08 |
| Asset Turnover | — | 0.05 | 0.23 | 0.23 | 0.21 | 0.11 | 0.10 | 0.49 | 0.12 | 0.11 | 0.11 |
| Inventory Turnover | — | — | — | — | — | — | — | — | 8283.05 | — | — |
| Days Sales Outstanding | — | 4862.40 | 884.96 | 793.71 | 863.49 | 1626.03 | 2049.30 | 545.51 | 2216.63 | 2533.34 | 2654.51 |
STNE Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
StoneCo Ltd. returns 21.3% to shareholders annually primarily through share buybacks. The earnings yield of 14.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 14.8% | 56.3% | — | 27.7% | — | — | 3.5% | 7.3% | 6.0% | — | — |
| FCF Yield | — | — | — | 7.6% | 32.6% | 44.3% | — | — | — | — | — |
| Buyback Yield | 21.3% | 72.4% | 66.0% | 5.1% | 0.0% | 19.0% | 0.3% | 0.0% | 2.8% | — | — |
| Total Shareholder Yield | 21.3% | 72.4% | 66.0% | 5.1% | 0.0% | 19.0% | 0.3% | 0.0% | 2.8% | — | — |
| Shares Outstanding | — | $273M | $302M | $319M | $312M | $309M | $294M | $277M | $277M | $277M | $205M |
Peer Comparison
Compare STNE with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 STNEYou | $3B | 6.7 | — | — | -3.7% | -90.2% | 19.9% | -10.4% | — |
 PAGS | $2B | 7.4 | 5.7 | 5.6 | 50.6% | 37.5% | 14.2% | 10.7% | 4.8 |
 GPN | $16B | 11.9 | 10.4 | 8.1 | 72.6% | 19.1% | 6.0% | 3.0% | 7.6 |
 EVTC | $2B | 12.8 | 8.3 | 12.8 | 49.7% | 20.0% | 23.0% | 10.2% | 3.7 |
 PAX | $2B | 23.9 | 16.6 | — | 96.2% | 34.2% | 15.2% | 12.7% | 1.3 |
 FIS | $24B | 61.3 | 7.5 | 9.7 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISV | $30B | 8.9 | 6.6 | 6.9 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
 FOUR | $4B | 14.2 | 10.3 | 12.6 | 29.2% | 7.4% | 24.3% | 7.6% | 5.3 |
 V | $612B | 31.3 | 24.5 | 28.3 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
 MA | $435B | 29.8 | 21.6 | 25.7 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
 ITUB | $93B | 10.6 | 20.9 | 3.6 | 34.5% | 13.1% | 20.6% | 3.2% | 17.6 |
| Technology Median | — | 27.5 | 17.4 | 19.8 | 48.6% | -0.5% | 2.4% | 2.9% | 2.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 10 years · Updated daily
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Start ComparisonSTNE — Frequently Asked Questions
Quick answers to the most common questions about buying STNE stock.
What is StoneCo Ltd.'s P/E ratio?
StoneCo Ltd.'s current P/E ratio is 6.7x. The historical average is 12.9x. This places it at the 40th percentile of its historical range.
What is StoneCo Ltd.'s ROE?
StoneCo Ltd.'s return on equity (ROE) is 19.9%. The historical average is 1.1%.
Is STNE stock overvalued?
Based on historical data, StoneCo Ltd. is trading at a P/E of 6.7x. This is at the 40th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are StoneCo Ltd.'s profit margins?
StoneCo Ltd. has -3.7% gross margin and -90.2% operating margin.