1.Sales and profit
See section →- StoneCo Ltd. had $2.5B of revenue in fiscal 2025, up 13.2% on the year before. Over five years, revenue changed +31.5% a year on average.
- StoneCo Ltd. made $418M of net profit in fiscal 2025.
StoneCo Ltd.
STNE Nasdaq Services-Computer Processing & Data Preparation Financials FY2016–FY2025
StoneCo Ltd. had $2.5B of revenue in fiscal 2025, up 13.2% on the year before. Over five years, revenue changed +31.5% a year on average.
- Today
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- Previous close
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- Market cap
- $2.1B
- P/E
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- 52-week range
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$7.75 $19.04
Last close · Oct 30, 2026
$7.75
−$10.94 (−58.53%) past year
KIRA’s summary AI analyst
Hi! I read StoneCo Ltd.’s latest annual report (fiscal 2025). Here is what stands out:
3 strengths
2.Cash and shareholders
See section →- Free cash flow was −$5.2M in fiscal 2025, −0.2% of revenue. At that burn of $5.2M a year, its $880M of cash and short-term investments would last about 169.7 years.
- StoneCo Ltd. returned $537M to shareholders in fiscal 2025. The diluted share count fell 11.5%.
- In the last 12 months, insiders bought $0.2M and sold $0.4M of shares on the open market.
3.Financial health
See section →- StoneCo Ltd. owes $1.8B more than it holds in cash.
- StoneCo Ltd. passes 5 of 9 financial health tests (Piotroski F-score).
StoneCo Ltd. in 30 seconds
Good So-so Weak
Good
Are sales growing?
+13.2%
Yes. Sales grew 13.2% last year.
Good
Does it make a profit?
16.5%
Yes. It keeps 16.5% of every sale as profit.
Good
How long would its cash last?
169.7 yrs
Comfortably. It burns $5.2M a year and holds $880M, about 169.7 years at that pace.
Weak
Is debt under control?
$1.8B
Risky. It owes more than it holds in cash and has no operating profit to repay it.
So-so
How healthy are the accounts?
5 / 9
Mixed. It passes 5 of 9 health tests.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Key numbers, fiscal 2025
Market cap
Last close times the latest diluted share count, so it is approximate.
$2.1B
Oct 30 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
Sales and profit
Is it selling more, and how much does it keep?
Revenue and margins
KIRA summarises the numbers
-
StoneCo Ltd. had $2.5B of revenue in fiscal 2025, up 13.2% on the year before.
Over five years, revenue changed +31.5% a year on average.
Revenue
FY16
Revenue $126M
FY17
Revenue $240M
FY18
Revenue $432M
FY19
Revenue $653M
FY20
Revenue $644M
FY21
Revenue $894M
FY22
Revenue $1.9B
FY23
Revenue $2.2B
FY24
Revenue $2.2B
FY25
Revenue $2.5B
Margins, % of revenue
FY16
Gross 69.7%
Operating —
Net −27.2%
FCF −119.3%
FY17
Gross 70.8%
Operating —
Net −14.2%
FCF −185.9%
FY18
Gross 79.5%
Operating —
Net 19.1%
FCF −161.9%
FY19
Gross 83.4%
Operating —
Net 31.2%
FCF −115.9%
FY20
Gross 76.8%
Operating —
Net 25.7%
FCF −9.5%
FY21
Gross 64.5%
Operating —
Net −28.2%
FCF 52.3%
FY22
Gross 72.2%
Operating —
Net −5.4%
FCF 13.2%
FY23
Gross 78.0%
Operating —
Net 14.8%
FCF 8.5%
FY24
Gross 76.5%
Operating —
Net −12.6%
FCF −36.4%
FY25
Gross 76.2%
Operating —
Net 16.5%
FCF −0.2%
Gross
Operating
Net
FCF
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Net income and earnings per share
Loss periods are shown in red.
KIRA summarises the numbers
-
StoneCo Ltd. made $418M of net profit in fiscal 2025.
Net income
FY16
Net income −$34.3M
FY17
Net income −$34.1M
FY18
Net income $82.4M
FY19
Net income $204M
FY20
Net income $166M
FY21
Net income −$252M
FY22
Net income −$101M
FY23
Net income $319M
FY24
Net income −$281M
FY25
Net income $418M
Diluted EPS
FY16
Diluted EPS −$0.17
FY17
Diluted EPS −$0.15
FY18
Diluted EPS $0.35
FY19
Diluted EPS $0.72
FY20
Diluted EPS $0.56
FY21
Diluted EPS −$0.82
FY22
Diluted EPS −$0.32
FY23
Diluted EPS $0.95
FY24
Diluted EPS −$0.93
FY25
Diluted EPS —
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
Cash and shareholders
How much cash comes in, and where does it go?
Cash flow
Cash from operations minus capital spending.
KIRA summarises the numbers
-
Free cash flow was −$5.2M in fiscal 2025, −0.2% of revenue.
At that burn of $5.2M a year, its $880M of cash and short-term investments would last about 169.7 years.
Free cash flow
FY16
Free cash flow −$151M
FY17
Free cash flow −$447M
FY18
Free cash flow −$699M
FY19
Free cash flow −$757M
FY20
Free cash flow −$61.2M
FY21
Free cash flow $468M
FY22
Free cash flow $245M
FY23
Free cash flow $182M
FY24
Free cash flow −$814M
FY25
Free cash flow −$5.2M
Cash from operations vs capital spending
FY16
Cash from operations −$141M
Capital spending $9.1M
FY17
Cash from operations −$402M
Capital spending $44.2M
FY18
Cash from operations −$661M
Capital spending $38.5M
FY19
Cash from operations −$672M
Capital spending $84.6M
FY20
Cash from operations $11.0M
Capital spending $72.2M
FY21
Cash from operations $669M
Capital spending $201M
FY22
Cash from operations $326M
Capital spending $80.8M
FY23
Cash from operations $330M
Capital spending $147M
FY24
Cash from operations −$672M
Capital spending $142M
FY25
Cash from operations $121M
Capital spending $126M
Cash from operations
Capital spending
In plain words: Profit on paper is not the same as cash in the bank. Free cash flow is the cash left after paying to run and maintain the business: the money it can hand back to shareholders, save or invest.
Dividends, buybacks and share count
KIRA summarises the numbers
-
StoneCo Ltd. returned $537M to shareholders in fiscal 2025.
The diluted share count fell 11.5%.
Dividends and buybacks
FY16
Dividends —
Buybacks —
FY17
Dividends —
Buybacks $88.0M
FY18
Dividends $0.0M
Buybacks $39.0M
FY19
Dividends $0.0M
Buybacks $0.0M
FY20
Dividends $0.2M
Buybacks $14.8M
FY21
Dividends $0.6M
Buybacks $183M
FY22
Dividends $0.7M
Buybacks $0.0M
FY23
Dividends $1.2M
Buybacks $58.6M
FY24
Dividends $1.9M
Buybacks $295M
FY25
Dividends $3.2M
Buybacks $534M
Dividends
Buybacks
Diluted shares outstanding (annual)
FY16
Diluted shares 191.23B
FY17
Diluted shares 215.57B
FY18
Diluted shares 0.23B
FY19
Diluted shares 0.28B
FY20
Diluted shares 0.29B
FY21
Diluted shares 0.31B
FY22
Diluted shares 0.31B
FY23
Diluted shares 0.31B
FY24
Diluted shares 0.30B
FY25
Diluted shares 0.27B
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
KIRA summarises the numbers
-
In the last 12 months, insiders bought $0.2M and sold $0.4M of shares on the open market.
Bought, 12 months
$0.2M
1 insider
Sold, 12 months
$0.4M
1 insider
Of sales under plans
0%
$0.0M
| Date | Insider | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Sep 2, 2026 | Silvio Jose MoraisDirector | Sold | 21,000 | $9.91 | $0.2M | Form 4 |
| Jun 12, 2026 | Silvio Jose MoraisDirector | Sold | 9,000 | $11.29 | $0.1M | Form 4 |
| May 15, 2026 | Salgado Diego VenturaCFO and IR Officer | Bought | 22,490 | $9.66 | $0.2M | Form 4 |
| Mar 25, 2026 | Silvio Jose MoraisDirector | Sold | 6,800 | $14.33 | $0.1M | Form 4 |
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Financial health
Can it carry its debts, and how well does it use its money?
Balance sheet
Cash, debt and the ratios that show how comfortably StoneCo Ltd. can carry it.
KIRA summarises the numbers
-
StoneCo Ltd. owes $1.8B more than it holds in cash.
Cash vs debt (incl. leases)
FY16
Cash $52.4M
Debt $12.5M
FY17
Cash $194M
Debt $628M
FY18
Cash $76.8M
Debt $731M
FY19
Cash $241M
Debt $1.7B
FY20
Cash $471M
Debt $1.2B
FY21
Cash $807M
Debt $1.5B
FY22
Cash $286M
Debt $1.1B
FY23
Cash $449M
Debt $1.1B
FY24
Cash $845M
Debt $2.3B
FY25
Cash $880M
Debt $2.7B
Cash
Debt
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Cash and short-term investments | $807M | $286M | $449M | $845M | $880M |
| Debt incl. finance leases | $1.5B | $1.1B | $1.1B | $2.3B | $2.7B |
| Debt / equity | 0.6x | 0.4x | 0.4x | 1.2x | 1.4x |
| Current ratio | 1.3x | 1.2x | 1.3x | 1.4x | 1.4x |
| Quick ratio | 1.3x | 1.2x | 1.3x | 1.4x | 1.4x |
| Total assets | $7.6B | $8.0B | $10.0B | $8.9B | $11.4B |
| Total liabilities | $5.1B | $5.5B | $7.0B | $7.0B | $9.4B |
| Shareholders' equity | $2.4B | $2.4B | $3.0B | $1.9B | $2.0B |
| Net debt (− = net cash) | $694M | $764M | $689M | $1.4B | $1.8B |
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
Returns on capital
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Return on capital, equity and assets (annual)
FY16
Return on capital —
Return on equity −19.0%
Return on assets —
FY17
Return on capital —
Return on equity −21.2%
Return on assets −1.7%
FY18
Return on capital —
Return on equity 11.3%
Return on assets 3.0%
FY19
Return on capital —
Return on equity 14.6%
Return on assets 4.9%
FY20
Return on capital —
Return on equity 7.6%
Return on assets 3.0%
FY21
Return on capital —
Return on equity −9.5%
Return on assets −3.7%
FY22
Return on capital —
Return on equity −4.1%
Return on assets −1.3%
FY23
Return on capital —
Return on equity 11.7%
Return on assets 3.5%
FY24
Return on capital —
Return on equity −11.4%
Return on assets −3.0%
FY25
Return on capital —
Return on equity 21.4%
Return on assets 4.1%
Return on capital
Return on equity
Return on assets
In plain words: How much profit the business makes on the money put into it. A higher percentage means each dollar invested works harder.
Piotroski F-score
Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.
KIRA summarises the numbers
-
StoneCo Ltd. passes 5 of 9 financial health tests (Piotroski F-score).
| Test | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| F-score | 3 / 9 | 6 / 9 | 7 / 9 | 3 / 9 | 5 / 9 |
| Accruals ratio | −13.5% | −5.5% | −0.1% | 4.1% | 2.9% |
| Altman Z'' | — | — | — | — | — |
| Net income is positive | ✕ | ✕ | ✓ | ✕ | ✓ |
| Cash from operations is positive | ✓ | ✓ | ✓ | ✕ | ✓ |
| Return on assets rose | ✕ | ✓ | ✓ | ✕ | ✓ |
| Cash from operations exceeds net income | ✓ | ✓ | ✓ | ✕ | ✕ |
| Debt fell relative to assets | ✕ | ✓ | ✓ | ✕ | ✓ |
| Current ratio rose | ✕ | ✕ | ✓ | ✓ | ✕ |
| Share count didn't rise | ✕ | ✕ | ✕ | ✓ | ✓ |
| Gross margin rose | ✕ | ✓ | ✓ | ✕ | ✕ |
| Revenue rose relative to assets | ✓ | ✓ | ✕ | ✓ | ✕ |
In plain words: Nine yes/no tests of financial health, one point each. A green tick is a pass: 7 to 9 points is solid, 0 to 3 is weak.
All figures
Every number, year by year.
10 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
See the figures for 10 years Hide the figures
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $126M | $240M | $432M | $653M | $644M | $894M | $1.9B | $2.2B | $2.2B | $2.5B |
| Gross profit | $87.9M | $170M | $344M | $545M | $494M | $577M | $1.3B | $1.7B | $1.7B | $1.9B |
| Interest expense | $70.1M | $74.3M | $82.3M | $89.6M | $65.9M | $235M | $680M | $792M | $679M | $801M |
| Pretax income | −$42.8M | −$30.0M | $121M | $276M | $219M | −$268M | −$75.0M | $382M | $461M | $499M |
| Income tax | $7.7M | $2.9M | $37.5M | $72.6M | $56.3M | −$12.6M | $26.9M | −$71.1M | −$86.3M | −$73.8M |
| Net income | −$34.3M | −$34.1M | $82.4M | $204M | $166M | −$252M | −$101M | $319M | −$281M | $418M |
| Net income to common | −$34.3M | −$34.1M | $82.4M | $204M | $166M | −$252M | −$101M | $319M | −$281M | — |
| Diluted EPS | −$0.17 | −$0.15 | $0.35 | $0.72 | $0.56 | −$0.82 | −$0.32 | $0.95 | −$0.93 | — |
| Diluted shares | 191.23B | 215.57B | 0.23B | 0.28B | 0.29B | 0.31B | 0.31B | 0.31B | 0.30B | 0.27B |
| Cash flow | ||||||||||
| Cash from operations | −$141M | −$402M | −$661M | −$672M | $11.0M | $669M | $326M | $330M | −$672M | $121M |
| Capital expenditure | $9.1M | $44.2M | $38.5M | $84.6M | $72.2M | $201M | $80.8M | $147M | $142M | $126M |
| Free cash flow | −$151M | −$447M | −$699M | −$757M | −$61.2M | $468M | $245M | $182M | −$814M | −$5.2M |
| Depreciation and amortization | $12.3M | $17.9M | $25.3M | $41.4M | $49.7M | $94.1M | $155M | $176M | $176M | $179M |
| Stock-based compensation | $15.2M | $43.5M | $12.6M | $7.8M | $6.1M | $21.0M | $41.2M | $50.3M | $43.2M | $53.1M |
| Acquisitions | −$2.1M | — | $0.8M | $0.0M | $48.0M | $878M | $13.5M | $0.0M | $1.7M | $0.4M |
| Share buybacks | — | $88.0M | $39.0M | $0.0M | $14.8M | $183M | $0.0M | $58.6M | $295M | $534M |
| Dividends paid | — | — | $0.0M | $0.0M | $0.2M | $0.6M | $0.7M | $1.2M | $1.9M | $3.2M |
| Dividends and buybacks | — | $88.0M | $39.0M | $0.0M | $15.0M | $184M | $0.7M | $59.8M | $297M | $537M |
| Balance sheet | ||||||||||
| Cash and short-term investments | $52.4M | $194M | $76.8M | $241M | $471M | $807M | $286M | $449M | $845M | $880M |
| Total debt | $12.5M | $628M | $731M | $1.7B | $1.2B | $1.5B | $1.1B | $1.1B | $2.3B | $2.7B |
| Current assets | — | $1.8B | $3.2B | $4.6B | $5.6B | $5.4B | $5.8B | $7.7B | $7.4B | $10.3B |
| Current liabilities | — | $1.2B | $1.6B | $3.0B | $2.6B | $4.1B | $4.8B | $5.9B | $5.4B | $7.5B |
| Property and equipment, net | $28.7M | $57.2M | $68.6M | $136M | $138M | $282M | $310M | $342M | $297M | $315M |
| Total assets | — | $2.0B | $3.4B | $4.9B | $6.1B | $7.6B | $8.0B | $10.0B | $8.9B | $11.4B |
| Total liabilities | — | $1.9B | $2.1B | $3.4B | $3.2B | $5.1B | $5.5B | $7.0B | $7.0B | $9.4B |
| Shareholders' equity | $180M | $141M | $1.3B | $1.5B | $2.9B | $2.4B | $2.4B | $3.0B | $1.9B | $2.0B |
| Margins | ||||||||||
| Gross margin | 69.7% | 70.8% | 79.5% | 83.4% | 76.8% | 64.5% | 72.2% | 78.0% | 76.5% | 76.2% |
| Net margin | −27.2% | −14.2% | 19.1% | 31.2% | 25.7% | −28.2% | −5.4% | 14.8% | −12.6% | 16.5% |
| FCF margin | −119.3% | −185.9% | −161.9% | −115.9% | −9.5% | 52.3% | 13.2% | 8.5% | −36.4% | −0.2% |
| Returns | ||||||||||
| Return on equity | −19.0% | −21.2% | 11.3% | 14.6% | 7.6% | −9.5% | −4.1% | 11.7% | −11.4% | 21.4% |
| Return on assets | — | −1.7% | 3.0% | 4.9% | 3.0% | −3.7% | −1.3% | 3.5% | −3.0% | 4.1% |
| Return on tangible equity | −19.0% | −24.2% | 6.3% | 13.7% | 5.8% | −10.4% | −4.1% | 10.6% | −14.8% | 20.8% |
| Growth | ||||||||||
| Revenue growth | — | 90.5% | 79.8% | 51.2% | −1.4% | 38.9% | 107.5% | 16.1% | 3.8% | 13.2% |
| Net income growth | — | — | — | 147.2% | −18.7% | −252.1% | — | — | −188.2% | — |
| EPS growth | — | — | — | 104.8% | −21.9% | −244.6% | — | — | −198.2% | — |
| FCF growth | — | — | — | — | — | — | −47.6% | −25.5% | −546.0% | — |
| Share count change | — | 12.7% | −99.9% | 19.3% | 4.3% | 6.8% | 1.0% | 0.2% | −3.5% | −11.5% |
| Financial health | ||||||||||
| Debt / equity | 0.1x | 4.5x | 0.6x | 1.1x | 0.4x | 0.6x | 0.4x | 0.4x | 1.2x | 1.4x |
| Current ratio | — | 1.6x | 2.1x | 1.6x | 2.2x | 1.3x | 1.2x | 1.3x | 1.4x | 1.4x |
| Quick ratio | — | 1.6x | 2.1x | 1.6x | 2.2x | 1.3x | 1.2x | 1.3x | 1.4x | 1.4x |
| Capital allocation | ||||||||||
| Capex / revenue | 7.2% | 18.4% | 8.9% | 12.9% | 11.2% | 22.5% | 4.4% | 6.8% | 6.3% | 5.0% |
| Stock comp / revenue | 12.1% | 18.1% | 2.9% | 1.2% | 0.9% | 2.3% | 2.2% | 2.3% | 1.9% | 2.1% |
| Payouts / FCF | — | — | — | — | — | 39.3% | 0.3% | 32.8% | — | — |
| Quality scores | ||||||||||
| Piotroski F-score | — | — | 7.0 | 4.0 | 4.0 | 3.0 | 6.0 | 7.0 | 3.0 | 5.0 |
| Accruals ratio | — | 18.4% | 27.4% | 21.1% | 2.8% | −13.5% | −5.5% | −0.1% | 4.1% | 2.9% |
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
Latest SEC filings
The original documents every number on this page comes from.
Source: SEC EDGAR XBRL filings (CIK 0001745431). Data updated November 1, 2026. Quarterly fourth quarters are the full year minus the first nine months. Filed in BRL under IFRS and converted to US$: income and cash-flow lines at each period's average exchange rate, balance-sheet lines at the period-end rate. For information only — not investment advice. Check the original filings before relying on any figure.