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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 (STNE) investor relations material
StoneCo Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Strategic divestiture of software assets, including Lynx and SimpliVet, to sharpen focus on core financial services and fintech ecosystem, representing over 90% of the addressable market.
Proceeds from divestitures and goodwill retention represent over 25% of market capitalization, unlocking significant capital for growth or shareholder returns.
Financials and reporting now focus on continuing operations after divestments, with historical data recast accordingly.
Value generated from divested assets contributed less than 5% of adjusted net income.
Updated reporting reflects discontinued operations as a single line item, with guidance and metrics focused on continuing operations.
Financial highlights
Adjusted net income from continuing operations rose 27% year-over-year to R$631 million.
Adjusted basic EPS increased 45% year-over-year to R$2.33 per share, aided by share buybacks.
Revenues from continuing operations grew 20% year-over-year to R$3.5 billion.
Adjusted gross profit from continuing operations grew 14% year-over-year to R$1.5 billion, with a margin of 44.6%.
MSMB/Payments active client base grew 17% year-over-year to 4.5 million; MSMB TPV up 12% year-over-year.
Outlook and guidance
2025 guidance: adjusted gross profit expected to exceed R$6.375bn (+14.5% y/y); adjusted basic EPS to exceed R$9.6 (+32% y/y).
2027 guidance targets MSMB TPV over R$670bn (+14% CAGR), retail deposits over R$14bn (+17% CAGR), credit portfolio over R$5.5bn (+66% CAGR), adjusted gross profit over R$10.2bn (+18% CAGR), and adjusted basic EPS over R$15 (+27% CAGR).
Commitment to return R$3bn in excess capital to shareholders in 2024, with 41% already returned by June.
MSNB TPV growth expected to stabilize at low double digits for the remainder of the year.
Cost of risk for credit business expected to normalize to mid-teens (13.5%-15%) after a one-off increase to 20%.
Explain the rationale for the revised 2025 guidance.
How does PIX QR code impact Stone's P&L?
What factors drove the increase in credit loss provisions?
How will Linx sale proceeds be used?
What is the expected cost of risk run rate?
Is 2027 TPV guidance at risk?
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Next StoneCo earnings date
Q3 20256 Nov, 2025
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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.
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