StoneCo (STNE) Company Report

STNE reported Adjusted Net Income of R$690 million and Adjusted Basic EPS of R$2.57/share for Q3 2025 from consolidated operations.
The company's Total Revenue and Income from continuing operations reached R$3,566.8 million in Q3 2025.
Return on Equity (ROE) expanded to 33% in Q3 2025.
STNE deployed R$465 million in share buybacks during Q3 2025.
The MSMB Payments Client Base grew to 4.7 million and Banking Active Clients reached 3.5 million in Q3 2025.

Nov 6, 2025, 10:00 PM

Presentation

StoneCo Reports Strong Q3 2025 Financial and Operational Growth

STNE

Earnings

Share Buyback

Demand Weakening

Financial Performance: StoneCo reported a 31% year-over-year increase in adjusted basic EPS to BRL 2.57 per share and an 18% year-over-year growth in adjusted net income for Q3 2025. Consolidated Return on Equity (ROE) expanded 8 percentage points year-over-year to 24%.
Operational & Credit Growth: The company's active client base grew 17% year-over-year to 4.7 million clients, with MSMB TPV increasing 11% year-over-year to BRL 126 billion. Banking active clients grew 22% year-over-year to 3.5 million, and client deposits reached BRL 9 billion, up 32% year-over-year. The total credit portfolio expanded 27% sequentially to BRL 2.3 billion, maintaining strong credit quality with NPLs 15-90 days at 3.12% and NPLs over 90 days at 5.03%.
Capital Allocation & Outlook: StoneCo returned BRL 2.8 billion to shareholders through share buybacks in the last 12 months, representing about a 10% yield. Despite a challenging macro environment, the company is focused on profitability, with credit expected to be a key driver of future earnings growth, and is considering a comprehensive review of its 2027 guidance.

Nov 6, 2025, 10:00 PM

Transcript

StoneCo Reports Strong Q3 2025 Financial and Operational Growth

STNE

Earnings

Share Buyback

Revenue Acceleration/Inflection

StoneCo Ltd. reported Q3 2025 Total Revenue and Income from continuing operations of R$3,566.8 million, an increase of 16.5% year-over-year, and Adjusted Gross Profit of R$1,604.9 million, up 11.7% year-over-year.
Adjusted Basic EPS from continuing and discontinued operations for Q3 2025 was R$2.57 per share, reflecting a 31.0% year-over-year increase.
Total TPV reached R$140.2 billion in Q3 2025, growing 8.8% year-over-year, primarily driven by a 10.9% increase in MSMB TPV.
The credit portfolio significantly expanded to R$2,297.8 million in Q3 2025, marking a 148.9% year-over-year increase.
The company repurchased 5.6 million STNE shares for R$465.2 million in Q3 2025, contributing to R$2.3 billion in share buybacks over the past twelve months.

Nov 6, 2025, 9:06 PM

6-K

StoneCo Ltd. Announces Q3 2025 Financial Results

STNE

Earnings

Share Buyback

Accounting Changes

StoneCo Ltd. reported net income from continuing operations of R$668,145 thousand for the three months ended September 30, 2025, and R$1,766,990 thousand for the nine months ended September 30, 2025.
Basic earnings per share from continuing operations attributable to controlling shareholders reached R$2.49 for the third quarter of 2025 and R$6.47 for the nine months ended September 30, 2025.
Total revenue and income from continuing operations was R$3,566,790 thousand for the three months ended September 30, 2025, and R$10,428,510 thousand for the nine months ended September 30, 2025.
The company repurchased R$1,706,509 thousand of its own shares during the nine months ended September 30, 2025.
In the second quarter of 2025, certain investments were classified as discontinued operations, resulting in a restatement of the comparative interim consolidated statement of profit or loss for the three and nine-month periods ended September 30, 2024.

Nov 6, 2025, 9:02 PM

6-K

StoneCo Reports Strong Q4 2024 Performance and Strategic Adjustments

STNE

Earnings

Guidance Update

Share Buyback

Strong Q4 performance: StoneCo delivered robust results in Q4 2024 by executing its key strategic priorities. Despite MSMB card TPV coming in slightly below guidance (BRL 403 billion vs. BRL 412 billion), the company saw overall growth in total MSMB TPV to BRL 454 billion and exceeded deposit targets with BRL 8.7 billion in retail deposits.
Improved profitability and efficiency: The quarter achieved significant improvements with adjusted EBIT growing 22% and adjusted net income increasing 18% year-over-year, aided further by share buybacks that drove EPS growth.
Operational and strategic updates: The company enhanced client engagement across payments, banking, and credit solutions. In addition, the software segment noted a BRL 3.6 billion goodwill impairment amid a strategic shift to focus on cross-selling financial services, reflecting a reallocation of value within the business.
Updated guidance outlook: StoneCo provided forward-looking guidance with expectations of adjusted gross profit above BRL 7.05 billion and adjusted basic EPS above BRL 8.6 per share for 2025, with long-term targets for 2027 including surpassing BRL 670 billion in MSMB TPV and achieving EPS guidance above BRL 15 per share, indicating continued revenue acceleration.

Mar 18, 2025, 9:01 PM

Transcript

StoneCo Ltd Reports Q4 2024 Earnings Results

STNE

Earnings

Share Buyback

Revenue Acceleration/Inflection

Adjusted Net Income for Q4 2024 reached R$2.2bn, exceeding guidance and showing a significant year-on-year improvement, which underscores the company’s strong growth trajectory.
Operational efficiency was demonstrated with improved margins, as Adjusted EBT margins and cost controls supported robust revenue and income figures, with total revenue growing by 11.1% sequentially.
The company continued its capital management initiatives, executing a share buyback program with R$497mn repurchased and maintaining a positive adjusted net cash position, reinforcing its liquidity and financial stability.

Mar 18, 2025, 9:00 PM

Presentation

StoneCo Reports Q4 and Fiscal Year 2024 Strong Financial Results

STNE

Earnings

Share Buyback

StoneCo delivered solid Q4 performance with total revenue of R$3,609.4 mn (11.1% YoY growth), Adjusted EBT of R$778.1 mn (up 21.9% YoY), and Adjusted Net Income of R$665.6 mn (up 18.1% YoY).
The company advanced its strategic priorities by expanding its MSMB and banking segments—achieving MSMB TPV of R$128.4 bn in Q4 (up 21.1% YoY) and retail deposits of R$8.7 bn—while noting a 55% share price decline in 2024.

Mar 18, 2025, 12:00 AM

6-K

StoneCo Ltd. Releases Consolidated Financial Statements for December 31, 2024

STNE

Earnings

Share Buyback

Accounting Changes

StoneCo Ltd. presented its audited consolidated financial statements for December 31, 2024 and 2023, detailing comprehensive figures on current and non-current assets, liabilities, and equity, with total assets increasing to BRL 54,813,463 thousand in 2024.
The company reported a net loss of BRL 1,507,050 thousand for 2024, alongside robust disclosures on revenue streams from transaction activities and subscription services, highlighting challenges in profitability.
Detailed notes cover significant aspects such as treasury share repurchase programs, adjustments in share capital, and the classification and measurement of financial assets under IFRS 9, which are crucial for monitoring the company’s financial strategy.

Mar 18, 2025, 12:00 AM

6-K