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Company research17 Jan 2024
StoneCo: A Rising Star in the Brazilian Fintech Landscape
With an impressive 7-year revenue growth CAGR of 60% and Berkshire Hathaway as a major shareholder, StoneCo is certainly a company worth exploring.
StoneCo
StoneCo (STNE) investor relations material
StoneCo Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary12 Nov, 2026
Executive summary
3Q continuing-operations revenue was R$3.686bn; adjusted net income fell 15.5% YoY to R$542.1mn as costs and provisions weighed on profitability.
Retention efforts coincided with accelerating TPV growth, stabilized market share with modest segment gains, and better performance in newer credit cohorts.
9M continuing-operations net income was R$2.761bn, including a R$1.243bn deferred tax benefit from tax-deductible Linx goodwill; 9M adjusted gross profit was R$4.5bn.
Financial highlights
Q3 adjusted gross profit was R$1,475.9mn versus R$1,604.9mn a year earlier; adjusted gross margin was 40.0% versus 45.0%.
Adjusted net income was R$542.1mn, down 15.5% YoY and 7.0% QoQ; IFRS net income was R$530.7mn, down 20.6% YoY.
Adjusted basic EPS was R$2.33, down 2.5% YoY, while weighted average basic shares declined 13.9% to 227.9mn.
Financial income rose 9.9% YoY to R$2,796.9mn; transaction-services revenue fell 32.1% to R$425.3mn, while subscription and equipment-rental revenue rose 3.1% to R$231.2mn.
9M operating cash flow was R$2.382bn versus cash used of R$33.6mn in 2025; investing generated R$2.214bn, including sale proceeds.
Outlook and guidance
FY26 adjusted gross profit guidance was cut to R$6.1–6.2bn from R$6.6–7.0bn; adjusted basic EPS guidance was cut to R$9.1–9.5 from R$10.8–11.4.
Adjusted ETR guidance remains in the mid-teens; 2027 targets were withdrawn, with guidance reassessment planned alongside full-year results and a decision scheduled for the 4Q26 earnings call.
Cost of risk is expected to move toward the mid-to-high teens over the medium term, later than previously expected; elevated provisions may persist.
2027 priorities remain retention, churn reduction, disciplined credit growth, and greater efficiency amid macro uncertainty.
Revenue is historically strongest in Q4 as Brazilian holiday-season retail events lift electronic payment transactions; interim results may not indicate full-year performance.
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Latest events from StoneCo
- Revenue up 2.5% YoY, credit growth and buybacks boost EPS, NPLs and provisions rise.STNE
Q2 2026 - Revenue and EPS rose year-over-year, but credit risk and provisions increased; Linx sale drove dividend.STNEQ1 2026
- Double-digit profit growth, strong capital returns, and expanding social impact marked 2025.STNECorporate presentation
- EPS rose 34%, ROE hit 26%, and BRL 3bn+ was returned to shareholders, with strong 2026–2027 outlook.STNEQ4 2025
- Divestitures and core focus drive strong profit, EPS growth, and capital returns.STNEQ2 2025
- Adjusted Net Income up 34.9% as MSMB, banking, and credit metrics hit record highs.STNEQ3 2024
- Adjusted net income up 54% y/y, MSMB and banking growth strong, guidance maintained.STNEQ2 2024
- Q1 2025 saw 19% revenue growth, 36% EPS growth, and a new R$2B share buyback program.STNEQ1 2025
- Adjusted net income up 41% and MSMB TPV up 22%, with major software impairment in 2024.STNEQ4 2024
Next StoneCo earnings date
Q4 202617 Mar, 2027
StoneCo
Next StoneCo earnings date
Q4 202617 Mar, 2027
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Frequently asked questions
Brazilian Payment Solutions
StoneCo is a Brazilian company that supplies payment solutions to businesses, primarily focusing on small and medium-sized enterprises (SMEs). The company offers a comprehensive suite of payment solutions that empower merchants and integrated partners to conduct digital commerce seamlessly across in-store, online, and mobile channels. This includes advanced payment processing solutions, banking services, and credit facilities. It is headquartered in Sao Paolo, Brazil, and its shares are listed on the Nasdaq.
Founding Story
Founded in 2012 by Eduardo Pontes and André Street, StoneCo emerged in response to a significant shift within the Brazilian financial services industry. This shift was initiated in 2010 when the Brazilian Central Bank intervened to dismantle a duopoly in the sector, paving the way for new entrants like StoneCo. This was also one of the catalysts that helped turn Brazil into a major fintech hub, with some other notable players being PagSeguro and MercadoLibre’s payment platform.
What Does StoneCo Offer?
StoneCo offers a comprehensive suite of payment solutions that empower merchants and integrated partners to conduct digital commerce seamlessly across in-store, online, and mobile channels. The company's product lineup includes advanced point-of-sale (POS) systems, mobile payment applications, and a range of merchant services. StoneCo also offers a suite of financial management tools, including reconciliation and sales tracking features, and its services aim to streamline the payment process, enhance transaction security, and improve overall efficiency for their clients.
Empowering Brazilian Entrepreneurs
StoneCo Ltd. has strategically positioned itself to cater primarily to small and medium-sized enterprises (SMEs) in Brazil, a sector often underserved by traditional financial institutions. Recognizing the unique challenges faced by these businesses, StoneCo offers a suite of tailored financial technology solutions designed to meet their specific needs.
Moreover, StoneCo's focus on cloud-based technology ensures that its SME clients can access these services with ease and scalability. This approach not only enhances transaction security but also provides valuable data insights, helping SMEs to make informed business decisions. By offering these specialized services, StoneCo plays a pivotal role in enabling Brazil's SME sector, contributing to its growth and digital transformation.