STNE
TechnologyStoneCo Ltd. · Software - Infrastructure · $2B
What is StoneCo Ltd.?
StoneCo Ltd. is a Brazilian fintech company that helps merchants accept electronic payments across in-store, online, and mobile channels. It primarily serves small and medium-sized businesses throughout Brazil.
StoneCo distributes payment and financial technology solutions through its proprietary Stone Hubs — hyper-local service centers — as well as through direct sales teams and software partners. The company targets brick-and-mortar retailers, digital merchants, e-commerce platforms, and integrated software vendors, generating revenue from transaction fees and financial services.
StoneCo was founded in 2018 and is headquartered in George Town, Cayman Islands.
- In-store and online payment processing
- Stone Hub hyper-local distribution network
- Software and integrated partner solutions
- Digital merchant financial services
Is STNE a Good Stock to Buy?
UQS Score rates STNE as Below Average overall.
Valuation stands out as Attractive relative to peers, suggesting the market may already be pricing in the company's challenges. Quality and Growth both register as Neutral, indicating neither a clear drag nor a standout advantage in those areas.
Both the Moat and Risk pillars are rated Weak, reflecting limited competitive differentiation and meaningful operational or financial vulnerabilities in a competitive Brazilian fintech market.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does STNE pay dividends?
No — StoneCo Ltd. does not currently pay a dividend.
StoneCo does not currently pay a dividend. As a growth-oriented fintech operating in an emerging market, the company reinvests available capital into expanding its merchant network and technology infrastructure rather than returning cash to shareholders.
When does STNE report earnings?
StoneCo reports earnings on a quarterly cadence, consistent with standard practice for US-listed equities.
Results have reflected the challenges of scaling in Brazil's competitive payments landscape, with Quality and Growth pillars both sitting at Neutral. Investors should watch for updates on merchant client growth and credit portfolio performance.
For the most recent quarter's results, visit StoneCo's official investor relations page.
STNE Price History
-60.7% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in StoneCo Ltd.?
Based on StoneCo Ltd.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does StoneCo do?
StoneCo provides payment and financial technology solutions to merchants in Brazil. It serves small and medium-sized businesses through its Stone Hub network and digital channels, enabling in-store, online, and mobile commerce.
Does STNE pay dividends?
No, StoneCo does not pay a dividend. The company focuses on reinvesting capital into its technology platform and merchant network expansion rather than distributing cash to shareholders.
When does STNE report earnings?
StoneCo follows a quarterly earnings cadence. For exact dates and the most recent financial results, check StoneCo's investor relations page directly.
Is STNE a good stock to buy?
UQS Score rates STNE as Below Average, with Weak scores on Moat and Risk partially offset by an Attractive Valuation. Whether it fits your portfolio depends on your risk tolerance and investment goals. The full pillar analysis is available to Pro members.
Is STNE overvalued?
The UQS Valuation pillar rates STNE as Attractive, suggesting the current price may reflect the company's challenges. However, Valuation alone does not determine overall quality — Moat and Risk remain Weak.
What is STNE's market cap bracket?
StoneCo is classified as a mid-cap company, placing it between large established financial technology firms and smaller emerging-market fintech players.
Is STNE a long-term quality investment?
As a long-term quality indicator, STNE's Below Average UQS Score — driven by Weak Moat and Risk pillars — signals caution. Sustained competitive advantages and improved risk management would be key factors to monitor over time.
What sector does STNE belong to?
StoneCo is classified in the Technology sector, operating specifically within financial technology and payment processing for merchants in Brazil.
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Pro Analysis
STNE — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Sep 22, 2026 | 13.0 | 0.0 | 30.0 | 0.0 | 36.9 | 0.0 | -28.1 |
| Aug 6, 2026 | 41.1 | 36.6 | 30.0 | 43.6 | 4.6 | 100.0 | -14.2 |
| Aug 5, 2026 | 55.3 | 80.0 | 30.0 | 43.6 | 27.0 | 100.0 | +0.2 |
| Aug 2, 2026 | 55.1 | 80.0 | 30.0 | 43.0 | 27.0 | 100.0 | -0.2 |
| Jul 27, 2026 | 55.3 | 80.0 | 30.0 | 43.8 | 27.0 | 100.0 | 0.0 |
| Jul 23, 2026 | 55.3 | 80.0 | 30.0 | 43.9 | 27.0 | 100.0 | 0.0 |
| Jul 20, 2026 | 55.3 | 80.0 | 30.0 | 43.7 | 27.0 | 100.0 | -0.1 |
| Jul 18, 2026 | 55.4 | 80.0 | 30.0 | 44.3 | 27.0 | 100.0 | +0.3 |
| Jul 17, 2026 | 55.1 | 80.0 | 30.0 | 42.9 | 27.0 | 100.0 | -0.1 |
| Jul 16, 2026 | 55.2 | 80.0 | 30.0 | 43.2 | 27.0 | 100.0 | -0.1 |
STNE — Pillar Breakdown
Quality
— 0.0/100 (25%)StoneCo Ltd. currently shows below-average quality metrics, suggesting challenges with profitability.
How effectively capital is deployed to generate returns.
Ability to convert revenue into operating profit.
Free cash flow relative to market value.
Growth
— 0.0/100 (20%)StoneCo Ltd. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Analyst consensus for future revenue growth.
Risk
— 36.9/100 (15%)StoneCo Ltd. has some risk factors including moderate leverage or solvency concerns.
Debt levels relative to earnings capacity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 0.0/100 (15%)StoneCo Ltd. appears expensively valued relative to its fundamentals and growth prospects.
Moat
— 30/100 (25%)StoneCo Ltd. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for STNE.
Score Composition
Financial Data
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How is the STNE UQS Score Calculated?
The UQS (Unified Quality Score) for StoneCo Ltd. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses StoneCo Ltd.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether StoneCo Ltd. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.