Cash flow StoneCo Ltd.

Equities

STNE

KYG851581069

Financial Technology (Fintech)

Market Closed - Nasdaq Other stock markets 21:00:00 06/03/2026 GMT			5-day change	1st Jan Change
13.72 ^USD	-0.51%		-18.33%	-7.23%

03-03	StoneCo Ltd., Q4 2025 Earnings Call, Mar 02, 2026
03-02	StoneCo sees adjusted earnings per share of up to $2.20 in 2026	RE

0a90e3c93f0223.bY-bc_9WDSBdq9YeCm3ytIlFKGnYgI_HWh7ls40YQL0.WMKqSq8dQ0Yqk-8pTS7BjM92BQ2izt6oHFDV7OdAF9IC2vpEhyRpbjjKuQ

Published financial data: STONECO LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Revenues	2.7B	4.38B	5.13B	5.06B	3.38B
Interest And Invest. Income (Rev)	3.18B	4.96B	6.23B	7.68B	10.02B
Total Revenues	5.88B	9.34B	11.36B	12.74B	13.4B
Cost of Goods Sold, Total	1.71B	2.67B	2.98B	3.39B	3.37B
Gross Profit	4.17B	6.67B	8.38B	9.35B	10.03B
Selling General & Admin Expenses, Total	1.75B	2.63B	2.89B	3.24B	3.07B
Stock-Based Compensation (IS)	-	213M	251M	233M	297M
Other Operating Expenses	1.31B	450M	-10.03M	166M	150M
Other Operating Expenses, Total	3.05B	3.3B	3.13B	3.63B	3.52B
Operating Income	1.11B	3.38B	5.25B	5.72B	6.52B
Interest Expense, Total	-1.28B	-3.53B	-695M	-1.06B	-1.92B
Interest And Investment Income	20.13M	-	-	-	-
Net Interest Expenses	-1.26B	-3.53B	-695M	-1.06B	-1.92B
Income (Loss) On Equity Invest.	-10.44M	-3.59M	-4.18M	399K	-2.46M
Currency Exchange Gains (Loss)	8.56M	18.96M	13.58M	19.81M	-13.14M
Other Non Operating Income (Expenses)	31.39M	573M	-2.63B	-2.14B	-1.79B
EBT, Excl. Unusual Items	-113M	432M	1.94B	2.54B	2.79B
Merger & Related Restructuring Charges	-77.79M	-	-	-	-
Impairment of Goodwill	-	-	-	-3.56B	-
Gain (Loss) On Sale Of Investments	-1.26B	-862M	30.57M	-	-
Gain (Loss) On Sale Of Assets	-	-	-	-	-
Other Unusual Items	9.88M	42.83M	-	-	-
EBT, Incl. Unusual Items	-1.45B	-387M	1.97B	-1.02B	2.79B
Income Tax Expense	-68.21M	139M	370M	489M	413M
Earnings From Continuing Operations	-1.38B	-526M	1.6B	-1.51B	2.38B
Earnings Of Discontinued Operations	-	-	-	-	-40.99M
Net Income to Company	-1.38B	-526M	1.6B	-1.51B	2.34B
Minority Interest	18.54M	6.98M	-8.36M	-8.17M	-16.37M
Net Income - (IS)	-1.36B	-519M	1.59B	-1.52B	2.32B
Preferred Dividend and Other Adjustments	-	-	-	-	-
Net Income to Common Incl Extra Items	-1.36B	-519M	1.59B	-1.52B	2.32B
Net Income to Common Excl. Extra Items	-1.36B	-519M	1.59B	-1.52B	2.36B
Per Share Items
Net EPS - Basic	-4.4	-1.67	5.09	-5.02	8.69
Basic EPS - Continuing Operations	-4.4	-1.67	5.09	-5.02	8.85
Basic Weighted Average Shares Outstanding	309M	312M	313M	302M	267M
Net EPS - Diluted	-4.4	-1.67	4.74	-5.02	8.48
Diluted EPS - Continuing Operations	-4.4	-1.67	4.74	-5.02	8.63
Diluted Weighted Average Shares Outstanding	309M	312M	319M	302M	273M
Normalized Basic EPS	-0.17	0.89	3.85	5.24	6.47
Normalized Diluted EPS	-0.17	0.89	3.77	5.24	6.32
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
EBITDA	1.44B	3.92B	5.87B	6.41B	7.25B
EBITA	1.17B	3.47B	5.34B	5.79B	6.57B
EBIT	1.11B	3.38B	5.25B	5.72B	6.52B
EBITDAR	-	-	-	-	-
Total Revenues (As Reported)	4.82B	9.59B	12.06B	13.26B	14.15B
Effective Tax Rate - (Ratio)	4.72	-35.92	18.79	-48.09	14.8
Current Foreign Taxes	-	292M	346M	528M	566M
Total Current Taxes	172M	292M	346M	528M	566M
Deferred Foreign Taxes	-	-153M	24.58M	-38.5M	-153M
Total Deferred Taxes	-240M	-153M	24.58M	-38.5M	-153M
Normalized Net Income	-52.36M	277M	1.2B	1.58B	1.73B
Interest Capitalized	592K	1.07M	-	-	-
Interest on Long-Term Debt	292M	358M	506M	403M	554M
Supplemental Operating Expense Items
Selling and Marketing Expenses	1.01B	1.51B	1.7B	2.11B	2.15B
General and Administrative Expenses	736M	1.12B	1.19B	1.13B	922M
Research And Development Expense From Footnotes	-	-	-	-	-
Net Rental Expense, Total	-	-	-	-	-
Imputed Operating Lease Interest Expense	-	-	-	-	-
Imputed Operating Lease Depreciation	-	-	-	-	-
Stock-Based Comp., Other (Total)	133M	213M	251M	233M	297M
Total Stock-Based Compensation	133M	213M	251M	233M	297M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	4.5B	1.51B	2.18B	5.23B	4.82B
Short Term Investments	1.99B	3.45B	3.48B	518M	1.12B
Trading Asset Securities, Total	-	-	-	-	-
Total Cash And Short Term Investments	6.49B	4.97B	5.66B	5.75B	5.94B
Accounts Receivable, Total	20.17B	21.18B	24.36B	29.62B	41.5B
Other Receivables	114M	27.04M	25.05M	32.53M	144M
Notes Receivable	-	-	210M	892M	2.01B
Total Receivables	20.29B	21.21B	24.59B	30.55B	43.65B
Prepaid Expenses	170M	129M	-	-	-
Loans Held For Sale	-	-	-	-	-
Other Current Assets, Total	3.02B	4.36B	6.9B	9.67B	6.86B
Total Current Assets	29.96B	30.66B	37.15B	45.97B	56.45B
Gross Property Plant And Equipment	2.29B	2.77B	3.1B	3.8B	4.05B
Accumulated Depreciation	-693M	-1.11B	-1.41B	-1.91B	-2.3B
Net Property Plant And Equipment	1.6B	1.66B	1.69B	1.88B	1.75B
Long-term Investments	1.3B	325M	129M	108M	96.2M
Goodwill	5.72B	5.65B	5.63B	2.08B	671M
Other Intangibles, Total	2.63B	2.96B	3.13B	3.33B	1.29B
Accounts Receivable Long-Term	59.6M	91.66M	110M	142M	169M
Loans Receivable Long-Term	4.72M	10.05M	43.3M	172M	438M
Deferred Tax Assets Long-Term	432M	680M	664M	872M	1.26B
Other Long-Term Assets, Total	356M	207M	138M	263M	178M
Total Assets	42.06B	42.25B	48.69B	54.81B	62.3B
Liabilities
Accounts Payable, Total	373M	596M	514M	672M	848M
Accrued Expenses, Total	305M	528M	602M	687M	627M
Short-term Borrowings	21.13M	22.47M	505M	418M	435M
Current Portion of Long-Term Debt	3.79B	2.74B	1.34B	4.5B	8.18B
Current Portion of Leases	66.53M	55.58M	30.23M	49.9M	27.09M
Current Income Taxes Payable	107M	224M	366M	386M	736M
Other Current Liabilities	18.13B	21B	25.78B	26.82B	30.35B
Total Current Liabilities	22.79B	25.17B	29.14B	33.53B	41.2B
Long-Term Debt	4.28B	2.58B	3.5B	7.73B	8.8B
Long-Term Leases	207M	145M	143M	197M	142M
Deferred Tax Liability Non Current	617M	500M	547M	681M	309M
Other Non Current Liabilities	566M	893M	689M	846M	811M
Total Liabilities	28.46B	29.3B	34.02B	42.99B	51.26B
Common Stock, Total	76K	76K	76K	76K	76K
Additional Paid In Capital	13.83B	13.83B	13.83B	13.83B	13.83B
Retained Earnings	96.21M	-423M	1.17B	-346M	1.97B
Treasury Stock	-1.07B	-69.08M	-283M	-1.81B	-4.59B
Comprehensive Income and Other	656M	-439M	-89.29M	103M	-212M
Total Common Equity	13.51B	12.89B	14.62B	11.78B	11B
Minority Interest	82.36M	56.12M	53.7M	51.3M	39.76M
Total Equity	13.59B	12.95B	14.68B	11.83B	11.03B
Total Liabilities And Equity	42.06B	42.25B	48.69B	54.81B	62.3B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	309M	313M	309M	286M	249M
ECS Total Common Shares Outstanding	309M	313M	309M	286M	249M
Book Value / Share	43.74	41.24	47.33	41.17	44.17
Tangible Book Value	5.17B	4.28B	5.86B	6.37B	9.03B
Tangible Book Value Per Share	16.73	13.7	18.96	22.27	36.3
Total Debt	8.36B	5.55B	5.52B	12.9B	17.58B
Net Debt	1.87B	585M	-139M	7.15B	11.64B
Debt Equivalent Oper. Leases	-	-	-	-	-
Minority Interest, Total (Incl. Fin. Div)	82.36M	56.12M	53.7M	51.3M	39.76M
Equity Method Investments, Total	66.45M	110M	83.01M	75.75M	71.61M
Account Code - Inventory Valuation	3	3	3	3	3
Machinery, Total	1.84B	2.29B	2.73B	3.31B	3.69B
Full Time Employees	-	-	-	-	-
Accumulated Allowance for Doubtful Accounts (Supple)	15.1M	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	-1.36B	-519M	1.59B	-1.52B	2.32B
Depreciation & Amortization - CF	341M	538M	609M	684M	756M
Amortization of Goodwill and Intangible Assets - (CF)	56.46M	88.25M	85.19M	74.61M	51.39M
Depreciation & Amortization, Total	398M	626M	694M	759M	808M
Amortization of Deferred Charges, Total - (CF)	110M	174M	184M	191M	195M
(Gain) Loss From Sale Of Asset	149M	45.66M	77.13M	87.61M	-63.25M
(Gain) Loss on Sale of Investments - (CF)	2.55B	1.18B	-30.57M	-11.54M	6.06M
Asset Writedown & Restructuring Costs	-	-	-	3.56B	158M
Provision for Credit Losses	-	-	127M	-	-
(Income) Loss On Equity Investments - (CF)	10.44M	3.59M	4.18M	-399K	2.46M
Stock-Based Compensation (CF)	133M	189M	251M	233M	297M
Provision and Write-off of Bad Debts	71.97M	88.57M	160M	143M	431M
Other Operating Activities, Total	269M	1.01B	1.77B	3.88B	7.12B
Change In Accounts Receivable	-2.75B	1.45B	237M	-2.17B	-991M
Change In Accounts Payable	40.77M	324M	-80.02M	362M	259M
Change In Income Taxes	9.27M	400M	309M	-6.5M	440M
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets	3.97B	-3.28B	-3.65B	-9.12B	-10.31B
Cash from Operations	3.61B	1.68B	1.65B	-3.62B	677M
Capital Expenditure	-1.08B	-418M	-736M	-988M	-120M
Sale of Property, Plant, and Equipment	100K	27.01M	536K	118M	292M
Cash Acquisitions	-4.74B	-69.84M	-	-190M	-19.28M
Divestitures	-36K	-4.32M	-	-4.2M	18.52M
Sale (Purchase) of Intangible assets	-216M	-306M	-474M	-541M	-1.24B
Investment in Marketable and Equity Securities, Total	3.06B	-1.1B	364M	3.05B	-570M
Other Investing Activities, Total	-	-	-	141M	-117M
Cash from Investing	-2.98B	-1.87B	-845M	1.59B	-1.76B
Long-Term Debt Issued, Total	12.28B	3.5B	5.75B	12.58B	12.31B
Total Debt Issued	12.28B	3.5B	5.75B	12.58B	12.31B
Long-Term Debt Repaid, Total	-10.1B	-6.36B	-5.59B	-5.83B	-8.15B
Total Debt Repaid	-10.1B	-6.36B	-5.59B	-5.83B	-8.15B
Issuance of Common Stock	-	53.41M	-	-	-
Repurchase of Common Stock	-989M	-	-293M	-1.59B	-2.99B
Other Financing Activities, Total	227M	-3.93M	-7.42M	-123M	-246M
Cash from Financing	1.42B	-2.81B	-149M	5.04B	931M
Foreign Exchange Rate Adjustments	-487K	14.55M	10.34M	44.54M	-22.91M
Net Change in Cash	2.05B	-2.98B	664M	3.05B	-175M
Supplemental Items
Cash Interest Paid	300M	430M	749M	782M	1.22B
Cash Income Tax Paid (Refund)	128M	191M	116M	174M	336M
Levered Free Cash Flow	3.15B	1.39B	1.88B	-4.55B	-3.48B
Unlevered Free Cash Flow	3.95B	3.6B	2.31B	-3.89B	-2.28B
Change In Net Working Capital	-3.91B	-1.2B	891M	7.11B	6.29B
Net Debt Issued / Repaid	2.18B	-2.86B	151M	6.75B	4.16B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.89	5.01	7.22	6.9	6.96
Return on Total Capital	3.24	10.43	16.97	15.9	15.27
Return On Equity %	-9.64	-3.96	11.59	-11.37	20.79
Return on Common Equity	-9.58	-3.93	11.57	-11.48	20.73
Margin Analysis
Gross Profit Margin %	70.87	71.42	73.75	73.4	74.88
SG&A Margin	29.72	28.18	25.41	25.4	22.91
EBITDA Margin %	24.4	42.01	51.66	50.31	54.09
EBITA Margin %	19.91	37.09	46.97	45.45	49.02
EBIT Margin %	18.95	36.15	46.22	44.86	48.64
Income From Continuing Operations Margin %	-23.41	-5.63	14.08	-11.83	17.74
Net Income Margin %	-23.1	-5.56	14.01	-11.89	17.31
Net Avail. For Common Margin %	-23.1	-5.56	14.01	-11.89	17.62
Normalized Net Income Margin	-0.89	2.96	10.6	12.4	12.89
Levered Free Cash Flow Margin	53.53	14.88	16.52	-35.69	-25.98
Unlevered Free Cash Flow Margin	67.1	38.52	20.34	-30.51	-17.01
Asset Turnover
Asset Turnover	0.16	0.22	0.25	0.25	0.23
Fixed Assets Turnover	4.97	5.73	6.78	7.12	7.37
Receivables Turnover (Average Receivables)	0.14	0.21	0.23	0.19	0.1
Short Term Liquidity
Current Ratio	1.31	1.22	1.27	1.37	1.37
Quick Ratio	1.17	1.04	1.03	1.06	1.15
Operating Cash Flow to Current Liabilities	0.16	0.07	0.06	-0.11	0.02
Days Sales Outstanding (Average Receivables)	2.56K	1.72K	1.62K	1.95K	3.84K
Average Days Payable Outstanding	58.89	66.21	67.91	64.04	82.45
Long Term Solvency
Total Debt/Equity	61.51	42.87	37.61	109.04	159.33
Total Debt / Total Capital	38.09	30	27.33	52.16	61.44
LT Debt/Equity	33.02	21.07	24.8	67.02	81
Long-Term Debt / Total Capital	20.44	14.75	18.02	32.06	31.23
Total Liabilities / Total Assets	67.68	69.35	69.86	78.42	82.29
EBIT / Interest Expense	0.87	0.96	7.55	5.41	3.39
EBITDA / Interest Expense	1.18	1.13	8.55	6.13	3.81
(EBITDA - Capex) / Interest Expense	0.34	1.01	7.49	5.19	3.75
Total Debt / EBITDA	5.53	1.39	0.93	1.99	2.4
Net Debt / EBITDA	1.24	0.15	-0.02	1.1	1.59
Total Debt / (EBITDA - Capex)	19.49	1.55	1.06	2.35	2.44
Net Debt / (EBITDA - Capex)	4.37	0.16	-0.03	1.3	1.62
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	85.77	58.82	26.04	12.1	16
Gross Profit, 1 Yr. Growth %	73.94	60.07	32.06	11.56	15.09
EBITDA, 1 Yr. Growth %	-16.09	243.72	48.28	9.17	14.32
EBITA, 1 Yr. Growth %	-24.83	295.01	52.53	8.46	14.81
EBIT, 1 Yr. Growth %	-27.59	311.43	53.98	8.8	15.41
Earnings From Cont. Operations, 1 Yr. Growth %	-264.47	-61.78	-404.03	-194.17	17.64
Net Income, 1 Yr. Growth %	-259.1	-61.77	-406.51	-195.17	-253.09
Normalized Net Income, 1 Yr. Growth %	-107.08	-374	304.01	31.16	11.49
Diluted EPS Before Extra, 1 Yr. Growth %	-251.2	-62.05	-383.77	-205.98	31.96
Accounts Receivable, 1 Yr. Growth %	13.82	4.99	15	21.63	40.09
Net Property, Plant and Equip., 1 Yr. Growth %	107.45	4	1.9	11.33	-7.06
Total Assets, 1 Yr. Growth %	32.47	0.35	15.26	12.57	13.65
Tangible Book Value, 1 Yr. Growth %	-62.72	-19.01	36.82	8.71	41.86
Common Equity, 1 Yr. Growth %	-9.03	-4.75	13.4	-19.47	-6.63
Cash From Operations, 1 Yr. Growth %	6.29K	-53.32	-2.14	-319.78	-118.68
Capital Expenditures, 1 Yr. Growth %	191.02	-61.43	76.25	18.4	-3.74
Levered Free Cash Flow, 1 Yr. Growth %	-2.58K	-53.44	-38.2	-417.42	-24.11
Unlevered Free Cash Flow, 1 Yr. Growth %	4.52K	-4.78	-36.15	-308.17	-41.98
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	56.9	71.77	57.58	18.87	15.23
Gross Profit, 2 Yr. CAGR %	45.74	66.86	71.11	21.38	14
EBITDA, 2 Yr. CAGR %	-1.5	57.11	107.9	23.35	9.48
EBITA, 2 Yr. CAGR %	-7	57.07	125.73	25.12	6.84
EBIT, 2 Yr. CAGR %	-7.98	59.13	148.47	29.43	12.29
Earnings From Cont. Operations, 2 Yr. CAGR %	30.87	-20.72	7.79	69.2	23.65
Net Income, 2 Yr. CAGR %	30.06	-22.02	8.24	70.8	20.71
Normalized Net Income, 2 Yr. CAGR %	-72.27	-38.07	256.41	130.2	21.55
Diluted EPS Before Extra, 2 Yr. CAGR %	24.25	-24.24	3.78	73.42	36.9
Accounts Receivable, 2 Yr. CAGR %	18.7	9.32	9.88	18.26	30.53
Net Property, Plant and Equip., 2 Yr. CAGR %	65.68	46.89	2.95	6.51	1.72
Total Assets, 2 Yr. CAGR %	46.46	15.35	7.55	13.91	13.11
Tangible Book Value, 2 Yr. CAGR %	-4.19	-44.43	5.27	21.96	24.18
Common Equity, 2 Yr. CAGR %	50.41	-6.83	3.93	-4.43	-13.29
Cash From Operations, 2 Yr. CAGR %	16.63	445.97	-32.41	46.66	-35.92
Capital Expenditures, 2 Yr. CAGR %	80.19	5.95	-17.55	10.8	-17.93
Levered Free Cash Flow, 2 Yr. CAGR %	0.08	133.34	-26.41	31.42	58.99
Unlevered Free Cash Flow, 2 Yr. CAGR %	16.21	815.06	-21.78	9.93	12.09
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	56.67	57.54	53.1	40.67	14.12
Gross Profit, 3 Yr. CAGR %	51.18	50.37	51.79	48.37	16.5
EBITDA, 3 Yr. CAGR %	23.34	38.43	54.56	67.72	19.84
EBITA, 3 Yr. CAGR %	18.79	36.79	56.05	76.8	21.1
EBIT, 3 Yr. CAGR %	18.32	36.9	57.92	88.68	24.08
Earnings From Cont. Operations, 3 Yr. CAGR %	65.25	-13.17	24.1	3.05	65.29
Net Income, 3 Yr. CAGR %	65.23	-13.52	23.07	3.7	64.68
Normalized Net Income, 3 Yr. CAGR %	-41.31	-25.92	18.63	155.41	79.61
Diluted EPS Before Extra, 3 Yr. CAGR %	50.53	-16.32	17.65	4.51	72.89
Accounts Receivable, 3 Yr. CAGR %	29.5	13.94	11.18	13.66	25.13
Net Property, Plant and Equip., 3 Yr. CAGR %	81.71	41.86	30.03	5.67	1.78
Total Assets, 3 Yr. CAGR %	46.8	29.16	15.32	9.2	13.82
Tangible Book Value, 3 Yr. CAGR %	2.61	-8.73	-24.96	6.4	28.26
Common Equity, 3 Yr. CAGR %	38.43	29.24	-0.52	-4.54	-5.17
Cash From Operations, 3 Yr. CAGR %	14.3	-14.05	207.84	0.13	-26.21
Capital Expenditures, 3 Yr. CAGR %	97.36	7.79	25.54	-3	-47
Levered Free Cash Flow, 3 Yr. CAGR %	7.51	-23.81	94.42	9.48	9.76
Unlevered Free Cash Flow, 3 Yr. CAGR %	18.88	7.18	277.46	0.95	-10.84
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	69.28	65.99	49.34	39.75	33.44
Gross Profit, 5 Yr. CAGR %	70.42	66.77	47.35	36.65	33.16
EBITDA, 5 Yr. CAGR %	63.34	86.56	50.31	34.07	35.45
EBITA, 5 Yr. CAGR %	62.89	89.76	50.18	33.73	36.14
EBIT, 5 Yr. CAGR %	69.14	96.1	50.83	34.13	37.34
Earnings From Cont. Operations, 5 Yr. CAGR %	62.33	38.05	39.29	13.38	23.2
Net Income, 5 Yr. CAGR %	62.53	36.72	39.51	13.53	22.12
Normalized Net Income, 5 Yr. CAGR %	-10.22	34.2	35.98	18.34	19.08
Diluted EPS Before Extra, 5 Yr. CAGR %	48.4	27.54	29.72	12	24.29
Accounts Receivable, 5 Yr. CAGR %	45.77	32.94	21.26	15.65	18.55
Net Property, Plant and Equip., 5 Yr. CAGR %	76.44	54.35	44.77	26.5	17.87
Total Assets, 5 Yr. CAGR %	61.41	44.8	29.65	22.83	14.43
Tangible Book Value, 5 Yr. CAGR %	77.99	78.96	4.13	2.49	-8.21
Common Equity, 5 Yr. CAGR %	91.18	94.15	23.48	14.54	-5.84
Cash From Operations, 5 Yr. CAGR %	48.86	5.57	-7.37	6.43	64.31
Capital Expenditures, 5 Yr. CAGR %	102.74	24.26	39.2	24.27	-20.27
Levered Free Cash Flow, 5 Yr. CAGR %	-	-0.32	-5.83	7.66	68.62
Unlevered Free Cash Flow, 5 Yr. CAGR %	-	23.26	-0.32	5.87	121.27