Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
StoneCo Ltd. is a leading provider of financial technology solutions that empower merchants and integrated partners to conduct electronic commerce seamlessly across in-store, online, and mobile channels in Brazil. The company offers a comprehensive suite of financial services, including payment processing, prepayment options, digital banking, credit solutions, and insurance. Its software segment provides POS/ERP systems, TEF and QR Code gateways, reconciliation tools, CRM, order management systems, e-commerce platforms, engagement tools, advertising solutions, and marketplace hubs. StoneCo Ltd. primarily serves small- and medium-sized businesses (MSMBs), as well as marketplaces, e-commerce platforms, and integrated software vendors, through its proprietary and franchised Stone Hubs for hyper-local sales and services, and dedicated sales teams for brick-and-mortar and digital merchants. The Stone Business Model integrates end-to-end cloud-based technology platforms with differentiated distribution and white-glove customer service. Founded in 2012 and headquartered in George Town, Cayman Islands, StoneCo Ltd. operates as a one-stop ecosystem transforming Brazilian entrepreneurship.
BRL 10.99
+BRL 0.20 (+1.85%)
EOD Jun 26, 2026 · Twelve Data
Margins and capital returns are both well above average: 51.98% operating margin, ROIC at 22.25%. Consistent with durable pricing power, though that alone doesn't make it a buy.
Revenue grew 5.2%, steady but not accelerating.
Negative free cash flow of -BRL 512M. The business is consuming cash, not generating it.
3.9x earnings, 6.5x FCF. The multiple is below average. Either the market is pricing in deterioration you should investigate, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
BRL 13.80B
▲ +5.2% YoY
Net Income (TTM)
BRL 3.52B
▲ +255.2% YoY
Op. Margin
51.76%
▲ +4.0pp YoY
ROIC
22.25%
▲ +0.7pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
BRL 2.21B
▲ +89.5% YoY
Op. Cash Flow (TTM)
BRL 12.22B
▲ +196.7% YoY
Net Debt
BRL 9.79B
Cash & Equiv.
BRL 7.80B
3Y CAGR: +14.1%
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At a P/E of 3.9 and a price-to-free-cash-flow of 6.5, StoneCo (STNE) trades below a two-stage DCF intrinsic value of about BRL 112.65 per share, so at BRL 10.99 the stock looks undervalued (925.0% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, StoneCo scores 90/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about BRL 112.65 per share for STNE, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around BRL 84.48. At today's BRL 10.99, that puts the stock about 925.0% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
StoneCo scores 90 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. Recent fundamentals include a 51.8% operating margin and a 22.3% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. STNE currently trades below its estimated intrinsic value and scores 90/100 on quality (high-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.