StoneCo Ltd.STNE

NasdaqTechnologyServices-Computer Processing & Data Preparation

Price (close)

$9.16

Market cap

—

P/E

—

Revenue (FY)

$13.3B

Net income

-$1.5B

Dividend yield

27.62%

1-year total return

-40.3%

Net margin

-11.4%

Revenue growth

10.0%

Debt / equity

0.46x

What StoneCo Ltd. does.

Our focus is to serve MSMBs with great solutions, at fair prices, and provide the best customer experience to help them better manage their businesses and sell more.

We currently operate in a single business segment mainly composed of financial services solutions, in which we offer payments, digital banking, and credit solutions, tailoring our Ton offering mostly for micro-merchants, and our Stone solution for SMBs.

Our positioning in the micro-merchant segment, which considers clients with monthly total payment volume (“TPV”) below R$15,000, is to offer easy-to-use solutions and a digital business model with low costs for the clients and good economics for us. In the SMB client segment, which comprises clients with monthly TPV between R$15,000 and R$2 million, we have two different approaches: (i) for clients with simpler operations, we strive to offer an all-in-one Stone solution that combines our merchant-focused payments and banking services; and (ii) for clients with more mature operations, we look to offer more sophisticated solutions mostly through features that connect merchants’ money flows and workflows. Finally, for large clients, we are positioned to have an opportunistic approach focusing on efficiency and profitability, offering more tailor-made solutions.

Revenue and profit, by fiscal year.

Fiscal year	2019	2020	2021	2022	2023	2024
Revenue	$2.6B	$3.3B	$4.8B	$9.6B	$12.1B	$13.3B
Net income	$803.2M	$854.1M	-$1.4B	-$519.4M	$1.6B	-$1.5B
Free cash flow	-$3.0B	-$315.7M	$2.5B	$1.3B	$911.5M	-$4.4B

More on STNE.

Figures from StoneCo Ltd.'s filings with the U.S. SEC, standardised automatically; prices are end-of-day closes. Not financial advice.