Last 34 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.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 6.57 | 1.88 | 1.95 | 1.85 | 1.46 | — | 1.58 | 1.90 | 3.52 | 2.50 | 0.42 | 3.54 | 3.56 |
| — | — | +23.0% | -2.6% | -58.6% | — | +272.9% | -46.4% | -1.1% | -73.5% | -88.4% | — | — | |
| P/S Ratio | 4.05 | 1.21 | 0.36 | 0.34 | 0.24 | 0.17 | 0.27 | 0.34 | 0.50 | 0.46 | 0.30 | 0.39 | 0.32 |
| — | +626.6% | +35.4% | -0.3% | -52.5% | -63.9% | -9.9% | -14.2% | +57.0% | +61.6% | -3.7% | +41.1% | -32.6% | |
| P/B Ratio | 1.35 | 0.35 | 0.44 | 0.38 | 0.26 | 0.20 | 0.22 | 0.25 | 0.35 | 0.39 | 0.25 | 0.32 | 0.24 |
| — | +75.8% | +95.4% | +53.6% | -25.3% | -49.6% | -9.4% | -21.4% | +45.1% | +71.6% | +8.7% | +66.7% | -11.1% | |
| P/FCF | — | 1.73 | — | 16.12 | 2.23 | — | — | — | — | — | — | 2.17 | 1.07 |
| — | — | — | — | — | — | — | — | — | — | — | +80.3% | -34.6% | |
| EV / EBITDA | — | — | 1.66 | 1.86 | 1.53 | 1.34 | 1.43 | 1.34 | 1.46 | 1.40 | 0.69 | 1.07 | 1.16 |
| — | — | +16.1% | +38.6% | +4.7% | -4.3% | +106.1% | +25.0% | +26.4% | -1.8% | -51.0% | -11.5% | -47.5% | |
| EV / EBIT | — | — | 2.02 | 2.10 | 1.76 | 1.51 | 1.64 | 1.52 | 1.78 | 1.48 | 0.82 | 1.26 | 1.43 |
| — | — | +22.8% | +38.7% | -1.1% | +2.2% | +101.3% | +20.1% | +24.3% | -12.3% | -53.6% | -21.0% | -50.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
StoneCo Ltd.'s operating margin was -122.0% in Q4 2025, down 177.8 pp QoQ and down 170.3 pp YoY. The trailing four-quarter average of 7.8% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 129.0% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | -3.7% | -21.7% | 77.1% | 74.1% | 75.3% | 74.8% | 73.3% | 75.1% | 74.9% | 74.1% | 73.8% | 75.2% | 71.8% |
| — | -129.0% | +5.2% | -1.2% | +0.5% | +1.0% | -0.7% | -0.2% | +4.4% | +1.7% | +3.2% | +6.1% | +10.1% | |
| Operating Margin | -90.2% | -122.0% | 55.7% | 48.2% | 49.4% | 48.3% | 45.7% | 49.2% | 49.1% | 47.2% | 47.3% | 47.4% | 42.1% |
| — | -352.8% | +21.9% | -2.2% | +0.7% | +2.2% | -3.4% | +3.9% | +16.7% | +13.3% | +18.0% | +11.3% | +32.9% | |
| Net Margin | 68.6% | 64.2% | 18.5% | 18.3% | 16.3% | -83.8% | 16.8% | 17.8% | 14.1% | 21.0% | 13.8% | 11.1% | 8.9% |
| — | +176.7% | +10.2% | +2.9% | +15.1% | -498.4% | +21.3% | +61.1% | +59.1% | +586.3% | +61.2% | +148.8% | +154.9% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 19.9% | 4.4% | 5.6% | 5.2% | 4.4% | -21.5% | 3.5% | 3.3% | 2.5% | 4.5% | 2.9% | 2.3% | 1.7% |
| — | +120.6% | +59.6% | +58.4% | +76.2% | -576.9% | +20.7% | +46.6% | +46.3% | +636.3% | +83.9% | +160.1% | +174.2% | |
| ROA | 3.9% | 0.8% | 1.2% | 1.1% | 1.0% | -5.5% | 1.0% | 1.0% | 0.7% | 1.4% | 1.0% | 0.8% | 0.5% |
| — | +115.3% | +12.5% | +15.7% | +27.6% | -489.2% | +6.7% | +27.1% | +36.0% | +631.7% | +89.3% | +162.0% | +172.5% | |
| ROIC | -10.4% | -3.1% | 7.0% | 6.0% | 6.1% | 6.2% | 5.4% | 5.4% | 5.4% | 6.6% | 6.7% | 6.1% | 4.9% |
| — | -150.6% | +30.0% | +10.3% | +13.5% | -6.4% | -20.3% | -11.2% | +10.2% | +37.0% | +52.0% | +44.5% | +81.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The current ratio has weakened 5.4% YoY to 1.30x, tightening the short-term liquidity position. Debt/Equity has risen for 11 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.59 | 1.59 | 1.37 | 1.20 | 1.17 | 1.09 | 0.65 | 0.61 | 0.55 | 0.38 | 0.33 | 0.32 | 0.34 |
| — | +45.6% | +109.3% | +97.3% | +112.2% | +189.9% | +97.4% | +88.8% | +61.1% | -12.3% | -28.9% | -39.9% | -39.5% | |
| Debt / EBITDA | — | — | 6.81 | 7.87 | 7.64 | 6.91 | 6.08 | 6.00 | 5.68 | 3.40 | 2.90 | 2.90 | 3.57 |
| — | — | +12.1% | +31.2% | +34.5% | +103.1% | +109.6% | +106.9% | +59.1% | -24.9% | -44.1% | -52.5% | -62.5% | |
| Current Ratio | 1.30 | 1.30 | 1.43 | 1.48 | 1.39 | 1.37 | 1.42 | 1.36 | 1.36 | 1.29 | 1.27 | 1.27 | 1.26 |
| — | -5.4% | +0.1% | +8.5% | +1.9% | +6.4% | +12.2% | +6.9% | +8.2% | +5.8% | +0.1% | +0.5% | +1.5% | |
| Quick Ratio | 1.30 | 1.30 | 1.43 | 1.48 | 1.39 | 1.37 | 1.42 | 1.36 | 1.36 | 1.29 | 1.27 | 1.27 | 1.26 |
| — | -5.4% | +0.1% | +8.5% | +1.9% | +6.4% | +12.2% | +6.9% | +8.2% | +5.8% | +0.1% | +0.5% | +1.5% | |
| Interest Coverage | -0.68 | -0.81 | 3.65 | 3.52 | 4.04 | 5.29 | 5.23 | 5.41 | 1.42 | 1.56 | 1.28 | 1.25 | 1.18 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 34 years · Updated daily
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StoneCo Ltd.'s current P/E is 6.6x. The average P/E over the last 4 quarters is 1.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
StoneCo Ltd.'s current operating margin is -90.2%. 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.