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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 Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary13 Aug, 2026
Executive summary
Achieved steady progress on priorities including TPV growth, banking and credit expansion, and disciplined cost management, with a focus on MSMB payments and integrated financial solutions.
Expanded active client base to 4.8 million, with sequential growth in revenue per client and maintained leadership in the Brazilian MSMB payments market with ~12% share.
Integrated Pagar.me into the platform, offering unified omnichannel banking and payment solutions for merchants.
Launched new brand positioning as the bank for entrepreneurs, aiming to deepen client relationships and cross-sell.
Total revenue and income from continuing operations reached R$3,587.4 million in 2Q26, up 2.5% year over year, driven by credit product growth.
Financial highlights
Revenue reached R$3.59 billion, up 2.5% year-over-year, led by credit portfolio growth.
Adjusted gross profit was R$1.56 billion, stable year-over-year with a margin of 43.6%; adjusted EPS grew 8.6% year-over-year to R$2.40, supported by share buybacks.
Retail deposits rose 22% year-over-year to R$10.8 billion.
Credit portfolio doubled year-over-year to R$3.8 billion, with government-backed loans at R$300 million.
TPV grew 9% year-over-year to R$561 billion; ARPAC was R$251.1, up 1.5% sequentially but down 6.6% year-over-year.
Outlook and guidance
2026 guidance: Adjusted gross profit R$4.6–7 billion, adjusted basic EPS R$10.8–11.4, mid-teens effective tax rate.
2027 guidance: Adjusted gross profit R$7.2–8.3 billion, adjusted basic EPS R$11.8–13.4.
Focus remains on delivering the lower end of 2026 guidance due to higher-for-longer interest rates and a tougher credit environment.
Cost of risk expected to trend down to high teens by year-end.
Initiatives to address higher churn since 4Q25 are showing early positive results, especially in the Ton brand.
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Latest events from StoneCo
- Revenue and EPS rose year-over-year, but credit risk and provisions increased; Linx sale drove dividend.STNE
Q1 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
- Double-digit profit and revenue growth, expanding MSMB, and strong capital returns.STNEQ3 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
Q3 202612 Nov, 2026
StoneCo
Next StoneCo earnings date
Q3 202612 Nov, 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.