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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 Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary2 Mar, 2026
Executive summary
Leadership transitioned from Pedro Zinner to Mateus Scherer as CEO, with a focus on simplifying operations and sharpening the core around payments, banking, and credit.
Software assets (Linx) were divested for over BRL 3 billion to focus on core strengths, with proceeds to be distributed to shareholders in 2026.
Adjusted EPS grew 33.6% year-over-year to BRL 9.71, and return on equity reached 26% in Q4 2025.
The company maintained a robust net cash position of BRL 2.6 billion at year-end, despite significant share repurchases.
Deliberate simplification and disciplined capital allocation supported consistent profitability and execution of business strategy.
Financial highlights
Adjusted gross profit for FY2025 was BRL 6.319 billion, up 13.5% year-over-year, with a gross margin of 44.6%.
Adjusted basic EPS was BRL 9.71, up 33.6% year-over-year, exceeding guidance.
Q4 2025 adjusted net income increased 12.4% year-over-year to BRL 706.9 million; adjusted basic EPS for Q4 was BRL 2.87, up 27%.
Total revenue and income rose 13% year-over-year to BRL 3.7 billion in Q4.
MSMB TPV grew 5.3% year-over-year in Q4 2025 to BRL 135.2 billion.
Outlook and guidance
2026 adjusted gross profit expected between BRL 6.6–7.0 billion; adjusted basic EPS between BRL 10.8–11.4.
2027 guidance: adjusted gross profit BRL 7.2–8.3 billion; adjusted basic EPS BRL 11.8–13.4.
Guidance assumes BRL 2 billion in buybacks for 2026; Linx proceeds not yet included.
Priorities for 2026–2027: earnings expansion, scaling credit, and capital return to shareholders.
Effective tax rate expected in the mid-teens for 2026–2027.
Capital allocation strategy and growth investments
Outlook on credit loss provisions impact on costs
Strategy to increase MSMB heavy user engagement
Revenue mix shift & gross profit margin impact
Credit portfolio growth & NPL outlook
AI strategy: tangible outcomes & advantage
Why discontinue credit operational guidance?
What drives higher selling expenses in 2026-27?
How will Stone manage credit NPLs and risk?
Partial view of Summaries dataset, powered by Quartr API
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Next StoneCo earnings date
Q1 20267 May, 2026
StoneCo
Next StoneCo earnings date
Q1 20267 May, 2026
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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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