STNE
StoneCo·NASDAQ
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STNE fundamentals
StoneCo (STNE) released its earnings on Nov 6, 2025: revenue was 669.58M (YoY +8.93%), missed estimates; EPS was 0.50123 (YoY +39.23%), beat estimates.
Revenue / YoY
669.58M
+8.93%
EPS / YoY
0.50123
+39.23%
Report date
Nov 6, 2025
STNE Earnings Call Summary for Q3,2025
- Revenue & Profit Growth: 16% YoY revenue growth to BRL 3.6 billion; adjusted EPS up 37% YoY to BRL 6.9.
- Shareholder Returns: BRL 2.8 billion returned via buybacks in 12 months, 74% of excess capital distributed.
- Credit Expansion: Portfolio +27% QoQ to BRL 2.3 billion, with disciplined risk management (NPLs stable at 3.12% 15-90 days).
- Profitability Focus: Pricing adjustments offset interest rates; 2026 earnings growth driven by credit maturation and opex efficiency.
- Macro Impact: TPV growth decelerating to high single digits in 2026, reflecting weaker macro environment.
EPS
Revenue
Revenue & Expenses
STNE has released its 2025 Q3 earnings report, with revenue of 669.58M, reflecting a YoY change of 19.18%, and net profit of 134.27M, showing a YoY change of 34.82%. The Sankey diagram below clearly presents STNE's revenue sources and cost distribution.
Key Indicators
StoneCo (STNE) key financial stats and ratios, covering profitability, financial health, and leverage.
StoneCo (STNE)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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StoneCo (STNE)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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StoneCo (STNE)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does StoneCo (STNE) generate its revenue? Explore its key revenue streams and top earning regions.
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Track StoneCo (STNE) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is the market's earnings forecast for StoneCo next quarter?What guidance did StoneCo's management provide for the next earnings period?What is StoneCo's latest dividend and current dividend yield?Did StoneCo beat or miss consensus estimates last quarter?What is StoneCo's gross profit margin?What does StoneCo do and what are its main business segments?What were the key takeaways from StoneCo’s earnings call?What were the key takeaways from StoneCo's earnings call?
