StoneCo Ltd. (STNE) Financial Ratios
10 years of historical data (2016–2025) · Technology · Software - Infrastructure
EV/EBITDA
↓
3.15
↑+20% vs avg
5yr avg: 2.62
30Y Low1.5·High17.3
P/FCF
↑
N/A
—
5yr avg: 6.16
30Y Low2.3·High13.2
P/B Ratio
↓
1.26
↑+308% vs avg
5yr avg: 0.31
30Y Low0.2·High7.5
ROE
↑
19.6%
↓+1451% vs avg
5yr avg: 1.3%
30Y Low-20%·High24%
Debt/EBITDA
↓
2.12
↓-13% vs avg
5yr avg: 2.43
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 6.6x earnings, 143% 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 29.0x, the stock trades at a discount of 77%.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $2.6B | $4.0B | $2.4B | $5.8B | $2.9B | $5.2B | $24.7B | $11.1B | $5.1B | — | — |
| Enterprise Value | $5.1B | $16.8B | $10.1B | $9.1B | $7.0B | $9.1B | $28.3B | $12.5B | $7.7B | — | — |
| P/E Ratio → | 6.55 | 1.78 | — | 3.61 | — | — | 28.84 | 13.76 | 16.76 | — | — |
| P/S Ratio | 0.94 | 0.29 | 0.19 | 0.51 | 0.33 | 1.14 | 7.78 | 4.63 | 3.34 | — | — |
| P/B Ratio | 1.26 | 0.34 | 0.20 | 0.39 | 0.23 | 0.38 | 1.64 | 7.45 | 1.00 | — | — |
| P/FCF | — | — | — | 13.16 | 3.07 | 2.26 | — | — | — | — | — |
| P/OCF | 20.01 | 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
StoneCo Ltd.'s enterprise value stands at 3.1x EBITDA, 20% above its 5-year average of 2.6x. The Technology sector median is 16.7x, placing the stock at a 81% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.19 | 0.79 | 0.80 | 0.77 | 1.98 | 8.93 | 5.23 | 5.00 | — | — |
| EV / EBITDA | 3.15 | 2.03 | 1.53 | 1.55 | 1.62 | 6.34 | 17.31 | 8.45 | 9.62 | — | — |
| EV / EBIT | 3.58 | 3.56 | 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 51.4%. Operating margins have expanded from 46.1% to 51.4% over the past 3 years, signaling improving operational efficiency. ROE of 19.6% indicates solid capital efficiency. ROIC of 24.7% represents excellent returns on invested capital.
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 | 76.2% | 76.2% | 73.4% | 73.8% | 70.4% | 62.6% | 75.7% | 82.1% | 78.9% | 69.8% | 68.5% |
| Operating Margin | 51.4% | 51.4% | 46.2% | 46.1% | 38.8% | 20.2% | 43.5% | 55.1% | 45.9% | 33.8% | 31.8% |
| Net Profit Margin | 16.4% | 16.4% | -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 | 19.6% | 19.6% | -11.4% | 11.5% | -3.9% | -9.5% | 10.4% | 24.4% | 10.8% | -20.3% | -20.4% |
| ROA | 4.0% | 4.0% | -2.9% | 3.5% | -1.2% | -3.7% | 4.7% | 8.8% | 3.0% | -2.1% | -3.1% |
| ROIC | 24.7% | 24.7% | 23.5% | 22.5% | 15.2% | 3.8% | 9.6% | 18.7% | 11.0% | 15.8% | 22.0% |
| ROCE | 33.7% | 33.7% | 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
StoneCo Ltd. carries a Debt/EBITDA ratio of 2.1x, which is manageable (28% below the sector average of 2.9x). Net debt stands at $12.8B ($17.6B total debt minus $4.8B cash). Interest coverage of just 2.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.49 | 1.49 | 1.09 | 0.38 | 0.43 | 0.61 | 0.41 | 1.13 | 0.56 | 4.31 | 0.07 |
| Debt / EBITDA | 2.12 | 2.12 | 1.96 | 0.94 | 1.29 | 5.84 | 3.72 | 1.13 | 3.57 | 6.76 | 0.23 |
| Net Debt / Equity | — | 1.08 | 0.65 | 0.23 | 0.31 | 0.28 | 0.24 | 0.97 | 0.50 | 2.98 | -0.22 |
| Net Debt / EBITDA | 1.54 | 1.54 | 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 | 2.45 | 2.45 | 5.41 | 7.55 | 3.65 | 1.70 | 3.92 | 3.72 | 2.23 | 0.49 | 0.33 |
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 | — | 0.23 | 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 | — | 1139.17 | 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 22.1% to shareholders annually primarily through share buybacks. The earnings yield of 15.3% (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 | 15.3% | 56.3% | — | 27.7% | — | — | 3.5% | 7.3% | 6.0% | — | — |
| FCF Yield | — | — | — | 7.6% | 32.6% | 44.3% | — | — | — | — | — |
| Buyback Yield | 22.1% | 72.4% | 66.0% | 5.1% | 0.0% | 19.0% | 0.3% | 0.0% | 2.8% | — | — |
| Total Shareholder Yield | 22.1% | 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 | 6.6 | 3.1 | — | 76.2% | 51.4% | 19.6% | 24.7% | 2.1 |
 PAGS | $3B | 6.5 | 6.2 | 8.5 | 50.6% | 37.5% | 14.2% | 9.8% | 4.9 |
 GPN | $16B | 11.5 | 10.1 | 7.8 | 72.6% | 19.1% | 6.0% | 3.0% | 7.6 |
 EVTC | $2B | 11.7 | 7.8 | 11.7 | 49.7% | 20.0% | 23.0% | 10.2% | 3.7 |
 PAX | $2B | 21.1 | 14.9 | 7.0 | 96.2% | 34.2% | 15.2% | 12.5% | 1.5 |
 FIS | $20B | 50.9 | 6.4 | 7.0 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISV | $26B | 7.5 | 6.1 | 5.9 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
 FOUR | $3B | 36.5 | 8.1 | 5.5 | 34.2% | 8.4% | 8.0% | 6.3% | 5.9 |
 V | $628B | 32.1 | 25.1 | 29.1 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
 MA | $434B | 29.6 | 21.5 | 25.6 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
 ITUB | $86B | 10.2 | 20.6 | 3.5 | 34.5% | 13.1% | 20.6% | 3.2% | 17.6 |
| Technology Median | — | 29.0 | 16.7 | 19.2 | 48.8% | 0.2% | 1.6% | 2.7% | 2.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 10 years · Updated daily
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STNE — 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 6.6x. The historical average is 12.9x. This places it at the 40th percentile of its historical range.
What is StoneCo Ltd.'s EV/EBITDA?
StoneCo Ltd.'s current EV/EBITDA is 3.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 6.1x.
What is StoneCo Ltd.'s ROE?
StoneCo Ltd.'s return on equity (ROE) is 19.6%. The historical average is 1.1%.
Is STNE stock overvalued?
Based on historical data, StoneCo Ltd. is trading at a P/E of 6.6x. 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 76.2% gross margin and 51.4% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does StoneCo Ltd. have?
StoneCo Ltd.'s Debt/EBITDA ratio is 2.1x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.