StoneCo Ltd. (STNE) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 29, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 20-F for FY2024, filed Apr 24, 2025. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the STNE SEC filings page.
StoneCo Ltd. (STNE) reported $2.1B in revenue for fiscal year 2024, down 13.7% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 9 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Scored against operating companies for FY2024. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of StoneCo Ltd.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
StoneCo Ltd.'s revenue declined 13.7% year-over-year, from $2.5B to $2.1B. This contraction results in a growth score of 61/100.
StoneCo Ltd. has a moderate D/E ratio of 0.46. This balance of debt and equity financing earns a leverage score of 63/100.
StoneCo Ltd.'s current ratio of 1.37 indicates adequate short-term liquidity, earning a score of 37/100. The company can meet its near-term obligations, though with limited headroom.
StoneCo Ltd.'s operations used $585.6M of cash, and capex of $123.6M added to the outflow, for a free cash flow shortfall of $709.2M. This results in a cash flow score of 12/100.
StoneCo Ltd. posts a -12.9% return on equity (ROE), meaning it loses $13 for every $100 of shareholders' equity. This results in a returns score of 73/100. This is down from 10.9% the prior year.
StoneCo Ltd. passes 2 of 8 computable financial strength tests (1 of the nine could not be computed from available data). No profitability signals pass, all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
StoneCo Ltd. reported a net loss of $245.0M while operations used $585.6M of cash. With neither figure positive, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
StoneCo Ltd. generated $2.1B in revenue in fiscal year 2024. This represents a decrease of 13.7% from the prior year.
StoneCo Ltd. reported a net loss of $245.0M in fiscal year 2024. This represents a decrease of 174.7% from the prior year.
StoneCo Ltd. earned -$0.81 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 183.1% from the prior year.
Not reported for fiscal year 2024.
Cash & Balance Sheet
StoneCo Ltd. recorded an outflow of $709.2M in free cash flow in fiscal year 2024, representing a cash shortfall after capex. This represents a decrease of 477.6% from the prior year.
StoneCo Ltd. held $845.4M in cash against $878.1M in long-term debt as of fiscal year 2024.
Not reported for fiscal year 2024.
Margins & Returns
StoneCo Ltd.'s gross margin was 74.4% in fiscal year 2024, indicating the percentage of revenue retained after direct costs. This is down 0.8 percentage points from the prior year.
StoneCo Ltd.'s net profit margin was -11.4% in fiscal year 2024, showing the share of revenue converted to profit. This is down 24.6 percentage points from the prior year.
StoneCo Ltd.'s ROE was -12.9% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 23.8 percentage points from the prior year.
Not reported for fiscal year 2024.
Capital Allocation
StoneCo Ltd. spent $256.7M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 325.4% from the prior year.
StoneCo Ltd. invested $123.6M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 18.5% from the prior year.
Not reported for fiscal year 2024.
STNE Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.1B-13.7% | $2.5B+37.0% | $1.8B+109.7% | $865.3M+35.4% | $639.2M-0.3% | $640.9M+57.5% | $407.0M+75.8% | $231.5M+71.2% | $135.2M |
| Cost of Revenue | $548.0M-10.8% | $614.7M+21.7% | $505.1M+64.3% | $307.4M+107.4% | $148.3M+39.6% | $106.2M+27.6% | $83.2M+23.0% | $67.7M+65.3% | $40.9M |
| Gross Profit | $1.6B-14.7% | $1.9B+42.8% | $1.3B+134.6% | $557.8M+13.6% | $491.0M-8.2% | $534.7M+65.2% | $323.7M+97.6% | $163.8M+73.7% | $94.3M |
| Interest Expense | $597.3M-27.5% | $824.3M+24.0% | $664.9M+192.1% | $227.6M+247.9% | $65.4M-25.6% | $87.9M+13.4% | $77.6M+8.4% | $71.6M-4.8% | $75.2M |
| Income Tax | $79.1M+3.7% | $76.3M+190.1% | $26.3Mn/m | -$12.2M-121.9% | $55.9M-21.6% | $71.3M+101.7% | $35.3M+1157.9% | $2.8M-66.2% | $8.3M |
| Net Income | -$245.0M-174.7% | $328.1Mn/m | -$98.3Mn/m | -$243.7M-248.2% | $164.4M-17.7% | $199.9M+157.5% | $77.6Mn/m | -$32.8Mn/m | -$36.8M |
| EPS (Basic) | -$0.81-177.4% | $1.05n/m | -$0.32n/m | -$0.79-239.0% | $0.57-21.3% | $0.72+115.4% | $0.34n/m | -$0.15n/m | -$0.19 |
| EPS (Diluted) | -$0.81-183.1% | $0.98n/m | -$0.32n/m | -$0.79-240.9% | $0.56-21.0% | $0.71+113.3% | $0.33n/m | -$0.15n/m | -$0.19 |
Not reported in any period shown, so not listed: R&D Expenses, SG&A Expenses, Operating Income, EBITDA, Diluted Shares (Avg).
STNE Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $8.9B-11.7% | $10.0B+25.6% | $8.0B+5.8% | $7.6B+23.5% | $6.1B+25.3% | $4.9B+42.4% | $3.4B+71.0% | $2.0B | N/A |
| Current Assets | $7.4B-2.9% | $7.7B+32.0% | $5.8B+8.0% | $5.4B-4.7% | $5.6B+23.1% | $4.6B+42.9% | $3.2B+77.0% | $1.8B | N/A |
| Cash & Equivalents | $845.4M+88.5% | $448.6M+56.8% | $286.2M-64.5% | $806.4M+71.2% | $471.2M+95.6% | $240.9M+213.8% | $76.8M-60.4% | $193.8M+269.5% | $52.5M |
| Goodwill | $882.6M-51.3% | $1.8B+11.0% | $1.6B+10.0% | $1.5B+641.5% | $200.2M+115.3% | $93.0M+17.3% | $79.3M+12.2% | $70.7M-4.1% | $73.7M |
| Total Liabilities | $7.0B-0.9% | $7.0B+26.5% | $5.5B+8.5% | $5.1B+58.3% | $3.2B-4.9% | $3.4B+60.5% | $2.1B+13.8% | $1.9B | N/A |
| Current Liabilities | $5.4B-8.7% | $5.9B+24.8% | $4.8B+16.5% | $4.1B+58.7% | $2.6B-12.8% | $3.0B+89.3% | $1.6B+35.2% | $1.2B | N/A |
| Non-Current Liabilities | $1.5B+43.0% | $1.1B+37.1% | $779.7M-23.5% | $1.0B+56.7% | $650.1M+48.4% | $438.0M-20.8% | $552.9M-21.4% | $703.4M | N/A |
| Long-Term Debt | $878.1M-15.5% | $1.0B+48.4% | $700.7M-32.5% | $1.0B+10.0% | $943.3M-0.2% | $945.1M+76.7% | $535.0M-14.3% | $624.4M+11169.2% | $5.5M |
| Total Equity | $1.9B-36.8% | $3.0B+23.5% | $2.4B+0.5% | $2.4B-15.1% | $2.9B+92.5% | $1.5B+13.2% | $1.3B+830.2% | $141.1M-21.8% | $180.5M |
| Retained Earnings | -$56.0M-123.3% | $240.9Mn/m | -$80.1M-563.9% | $17.3M-93.8% | $280.2M+87.4% | $149.5Mn/m | -$52.1Mn/m | -$151.9M | N/A |
Not reported in any period shown, so not listed: Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments.
STNE Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F |
|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$585.6M-272.4% | $339.6M+6.6% | $318.5M-50.8% | $647.0M+5848.8% | $10.9Mn/m | -$659.8Mn/m | -$622.5Mn/m | -$387.7Mn/m | -$151.7M |
| Depreciation & Amortization | $153.5M-15.2% | $181.0M+19.5% | $151.4M+66.4% | $91.0M+84.4% | $49.3M+21.4% | $40.7M+70.9% | $23.8M+37.8% | $17.3M+30.8% | $13.2M |
| Capital Expenditures | $123.6M-18.5% | $151.7M+92.0% | $79.0M-59.3% | $194.3M+171.1% | $71.7M-13.7% | $83.0M+128.6% | $36.3M-14.7% | $42.6M+337.9% | $9.7M |
| Free Cash Flow | -$709.2M-477.6% | $187.8M-21.6% | $239.5M-47.1% | $452.7Mn/m | -$60.8Mn/m | -$742.8Mn/m | -$658.8Mn/m | -$430.2Mn/m | -$161.4M |
| Investing Cash Flow | $256.7Mn/m | -$174.2Mn/m | -$354.0Mn/m | -$534.0Mn/m | -$1.1Bn/m | -$108.9Mn/m | -$705.4Mn/m | -$90.5M-255.0% | $58.4M |
| Financing Cash Flow | $815.1Mn/m | -$30.7Mn/m | -$531.6M-308.8% | $254.6M-81.7% | $1.4B+48.6% | $935.0M-24.3% | $1.2B+99.3% | $620.0M+433.6% | $116.2M |
| Dividends Paid | $1.7M+37.1% | $1.2M+81.0% | $681K+28.0% | $532K+205.8% | $174K+17389.1% | $995n/m | $0 | N/A | N/A |
| Share Buybacks | $256.7M+325.4% | $60.3M | N/A | $177.4M+1107.8% | $14.7M+65479.7% | $22K-99.9% | $36.7M-56.7% | $84.8M | N/A |
Not reported in any period shown, so not listed: Stock-Based Compensation.
STNE Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F |
|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 74.4%-0.8pp | 75.3%+3.1pp | 72.2%+7.7pp | 64.5%-12.3pp | 76.8%-6.6pp | 83.4%+3.9pp | 79.5%+8.8pp | 70.8%+1.0pp | 69.7% |
| Net Margin | -11.4%-24.6pp | 13.2%+18.6pp | -5.4%+22.8pp | -28.2%-53.9pp | 25.7%-5.5pp | 31.2%+12.1pp | 19.1%+33.3pp | -14.2%+13.1pp | -27.2% |
| Return on Equity | -12.9%-23.8pp | 10.9%+14.9pp | -4.0%+6.0pp | -10.0%-15.8pp | 5.8%-7.7pp | 13.5%+7.5pp | 5.9%+29.2pp | -23.3%-2.8pp | -20.4% |
| Return on Assets | -2.8%-6.0pp | 3.3%+4.5pp | -1.2%+2.0pp | -3.2%-5.9pp | 2.7%-1.4pp | 4.1%+1.8pp | 2.3%+3.9pp | -1.6% | N/A |
| Current Ratio | 1.37+0.1x | 1.29+0.1x | 1.22-0.1x | 1.31-0.9x | 2.19+0.6x | 1.55-0.5x | 2.05+0.5x | 1.57 | N/A |
| Debt-to-Equity | 0.46+0.1x | 0.34+0.1x | 0.29-0.1x | 0.43+0.1x | 0.33-0.3x | 0.64+0.2x | 0.41-4.0x | 4.42+4.4x | 0.03 |
| Liabilities-to-Equity | 3.65+1.3x | 2.33+0.1x | 2.27+0.2x | 2.10+1.0x | 1.13-1.2x | 2.28+0.7x | 1.61-11.6x | 13.17 | N/A |
| Asset Turnover | 0.240.0x | 0.250.0x | 0.23+0.1x | 0.110.0x | 0.100.0x | 0.130.0x | 0.120.0x | 0.12 | N/A |
| FCF Margin | -33.1%-40.6pp | 7.6%-5.6pp | 13.2%-39.1pp | 52.3%+61.8pp | -9.5% | -115.9% | -161.9% | -185.9% | -119.3% |
Not reported in any period shown, so not listed: Operating Margin.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| StoneCo Ltd. STNE | FY2024 | $2.1B | -$245.0M | -11.4% | $1.8B | 54/100 |
| Zeta Global Holdings Corp. ZETA | FY2025 | $1.3B | -$31.5M | -2.4% | $8.2B | 59/100 |
| BOX, INC. BOX | FY2026 | $1.2B | $115.4M | 9.8% | $5.9B | 56/100 |
| ACI Worldwide, Inc. ACIW | FY2025 | $1.8B | $226.7M | 12.9% | $5.6B | 64/100 |
| Qualys, Inc. QLYS | FY2025 | $669.1M | $198.3M | 29.6% | $8.0B | 72/100 |
Where StoneCo Ltd. Ranks
Frequently Asked Questions
What is StoneCo Ltd.'s annual revenue?
StoneCo Ltd. (STNE) reported $2.1B in total revenue for fiscal year 2024. This represents a -13.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is StoneCo Ltd.'s revenue growing?
StoneCo Ltd. (STNE) revenue declined by 13.7% year-over-year, from $2.5B to $2.1B in fiscal year 2024.
Is StoneCo Ltd. profitable?
No, StoneCo Ltd. (STNE) reported a net loss of $245.0M in fiscal year 2024, with a net profit margin of -11.4%.
How much debt does StoneCo Ltd. have?
As of fiscal year 2024, StoneCo Ltd. (STNE) had $845.4M in cash and equivalents against $878.1M in long-term debt.
What is StoneCo Ltd.'s gross margin?
StoneCo Ltd. (STNE) had a gross margin of 74.4% in fiscal year 2024, indicating the percentage of revenue retained after direct costs of goods sold.
What is StoneCo Ltd.'s net profit margin?
StoneCo Ltd. (STNE) had a net profit margin of -11.4% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is StoneCo Ltd.'s return on equity (ROE)?
StoneCo Ltd. (STNE) has a return on equity of -12.9% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is StoneCo Ltd.'s free cash flow?
StoneCo Ltd. (STNE) recorded an outflow of $709.2M in free cash flow during fiscal year 2024. This represents a -477.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is StoneCo Ltd.'s operating cash flow?
StoneCo Ltd. (STNE) recorded an outflow of $585.6M in operating cash flow during fiscal year 2024, representing cash used by core business activities.
What are StoneCo Ltd.'s total assets?
StoneCo Ltd. (STNE) had $8.9B in total assets as of fiscal year 2024, including both current and long-term assets.
What are StoneCo Ltd.'s capital expenditures?
StoneCo Ltd. (STNE) invested $123.6M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
What is StoneCo Ltd.'s current ratio?
StoneCo Ltd. (STNE) had a current ratio of 1.37 as of fiscal year 2024, which is considered adequate.
What is StoneCo Ltd.'s debt-to-equity ratio?
StoneCo Ltd. (STNE) had a debt-to-equity ratio of 0.46 as of fiscal year 2024. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
What is StoneCo Ltd.'s liabilities-to-equity ratio?
StoneCo Ltd. (STNE) had a liabilities-to-equity ratio of 3.65 as of fiscal year 2024, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
What is StoneCo Ltd.'s return on assets (ROA)?
StoneCo Ltd. (STNE) had a return on assets of -2.8% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is StoneCo Ltd.'s P/E ratio?
StoneCo Ltd. (STNE) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (FY2024). The market capitalization is $1.8B as of Oct 29, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is StoneCo Ltd.'s price-to-sales ratio?
StoneCo Ltd. (STNE) trades at 0.9x sales, its market capitalization divided by $2.1B revenue, FY2024. The market capitalization is $1.8B as of Oct 29, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is StoneCo Ltd.'s Piotroski F-Score?
StoneCo Ltd. (STNE) has a Piotroski F-Score of 2 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are StoneCo Ltd.'s earnings high quality?
StoneCo Ltd. (STNE) reported a net loss of $245.0M while operations used $585.6M of cash. With neither figure positive, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is StoneCo Ltd.?
StoneCo Ltd. (STNE) scores 54 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is the average of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.