Last 33 quarters of trend data · Technology · Software - Infrastructure
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
StoneCo Ltd.'s quarterly P/E stands at 1.9x, up 23.0% year-over-year — indicating the stock has re-rated higher or earnings have softened.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -17.28 | 1.95 | 1.85 | 1.46 | — | 1.58 | 1.90 | 3.52 | 2.50 | 0.42 | 3.54 | 3.56 | 9.44 |
| — | +23.0% | -2.6% | -58.6% | — | +272.9% | -46.4% | -1.1% | -73.5% | -88.4% | — | — | — | |
| P/S Ratio | 3.67 | 1.54 | 1.31 | 0.65 | 0.42 | 0.87 | 0.91 | 1.07 | 1.09 | 0.64 | 0.86 | 0.70 | 0.58 |
| — | +78.2% | +43.6% | -39.3% | -61.2% | +36.3% | +5.9% | +52.9% | +86.9% | -0.9% | +60.0% | -31.7% | -58.7% | |
| P/B Ratio | 2.21 | 0.44 | 0.38 | 0.26 | 0.20 | 0.22 | 0.25 | 0.35 | 0.39 | 0.25 | 0.32 | 0.24 | 0.23 |
| — | +95.4% | +53.6% | -25.3% | -49.6% | -9.4% | -21.4% | +45.1% | +71.6% | +8.7% | +66.7% | -11.1% | -40.5% | |
| P/FCF | — | — | 16.12 | 2.23 | — | — | — | — | — | — | 2.17 | 1.07 | 3.93 |
| — | — | — | — | — | — | — | — | — | — | +80.3% | -34.6% | -85.8% | |
| EV / EBITDA | — | — | — | — | — | — | — | — | — | 17.97 | 14.29 | — | 66.35 |
| — | — | — | — | — | — | — | — | — | — | -91.5% | — | — | |
| EV / EBIT | — | 2.07 | 1.92 | 1.58 | — | 1.50 | 1.27 | 1.52 | 1.36 | 0.70 | 1.12 | 1.23 | 1.63 |
| — | +37.6% | +50.9% | +3.9% | — | +115.7% | +13.3% | +23.1% | -16.7% | -48.0% | -58.0% | -73.6% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
StoneCo Ltd.'s operating margin was -85.7% in Q3 2025, down 2.5 pp QoQ and down 48.2 pp YoY. This marks the 4th consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of -63.8% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 102.2% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 27.9% | -0.5% | -1.0% | 14.6% | 27.6% | 24.5% | 24.9% | 28.3% | 35.1% | 36.7% | 41.7% | 32.6% | 38.7% |
| — | -102.2% | -104.0% | -48.4% | -21.3% | -33.2% | -40.2% | -13.2% | -9.2% | +10.5% | +28.6% | +27.9% | +32.2% | |
| Operating Margin | -30.9% | -85.7% | -83.2% | -53.3% | -33.1% | -37.5% | -39.8% | -32.3% | -17.9% | -12.2% | -8.0% | -19.6% | -15.2% |
| — | -128.3% | -109.0% | -64.8% | -84.3% | -208.1% | -397.9% | -64.8% | -18.0% | +43.1% | +55.9% | +37.5% | +45.7% | |
| Net Margin | -29.9% | 83.2% | 68.2% | 43.7% | -224.7% | 53.7% | 51.2% | 30.9% | 49.1% | 30.7% | 23.5% | 19.2% | 6.3% |
| — | +55.0% | +33.3% | +41.3% | -557.9% | +74.9% | +117.5% | +60.7% | +673.3% | +67.5% | +150.5% | +160.6% | +107.4% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -13.1% | 5.9% | 5.0% | 4.3% | -22.8% | 3.5% | 3.5% | 2.6% | 4.5% | 3.0% | 2.2% | 1.7% | 0.6% |
| — | +70.6% | +42.5% | +69.5% | -609.3% | +14.9% | +60.3% | +51.7% | +617.5% | +85.6% | +154.8% | +180.9% | +111.0% | |
| ROA | -3.4% | 1.2% | 1.1% | 0.9% | -5.8% | 1.0% | 1.0% | 0.8% | 1.4% | 1.0% | 0.7% | 0.5% | 0.2% |
| — | +20.2% | +4.1% | +22.7% | -515.7% | +1.7% | +39.0% | +41.0% | +613.1% | +91.1% | +156.5% | +179.1% | +110.0% | |
| ROIC | -7.2% | -2.5% | -2.7% | -2.4% | -1.7% | -1.4% | -1.6% | -1.6% | -1.1% | -0.8% | -0.5% | -1.0% | -0.9% |
| — | -84.9% | -63.8% | -45.4% | -56.8% | -68.0% | -244.8% | -59.9% | -23.4% | +28.8% | +49.5% | +15.7% | +19.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Debt/Equity has risen for 10 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.09 | 1.37 | 1.20 | 1.17 | 1.09 | 0.65 | 0.61 | 0.55 | 0.38 | 0.33 | 0.32 | 0.34 | 0.43 |
| — | +109.3% | +97.3% | +112.2% | +189.9% | +97.4% | +88.8% | +61.1% | -12.3% | -28.9% | -39.9% | -39.5% | -30.1% | |
| Debt / EBITDA | — | — | — | — | — | — | — | — | — | 75.17 | 38.56 | — | 210.77 |
| — | — | — | — | — | — | — | — | — | — | -95.4% | — | — | |
| Current Ratio | 1.37 | 1.43 | 1.48 | 1.39 | 1.37 | 1.42 | 1.36 | 1.36 | 1.29 | 1.27 | 1.27 | 1.26 | 1.22 |
| — | +0.1% | +8.5% | +1.9% | +6.4% | +12.2% | +6.9% | +8.2% | +5.8% | +0.1% | +0.5% | +1.5% | -7.3% | |
| Quick Ratio | 1.37 | 1.43 | 1.48 | 1.39 | 1.37 | 1.42 | 1.36 | 1.36 | 1.29 | 1.27 | 1.27 | 1.26 | 1.22 |
| — | +0.1% | +8.5% | +1.9% | +6.4% | +12.2% | +6.9% | +8.2% | +5.8% | +0.1% | +0.5% | +1.5% | -7.3% | |
| Interest Coverage | -0.42 | -0.64 | -0.67 | -0.57 | -0.42 | -0.41 | -0.44 | -0.44 | -0.25 | -0.15 | -0.10 | -0.25 | -0.21 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 33 years · Updated daily
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Start ComparisonStoneCo Ltd.'s current P/E is -17.3x. The average P/E over the last 3 quarters is 1.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
StoneCo Ltd.'s current operating margin is -30.9%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking StoneCo Ltd.'s business trajectory between earnings reports.