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STSTNE

StoneCo Ltd.

$STNE·$2.5B·Software - Application·Technology
$10.37+7.3%1Y-40.7%
Mentions · last 7 days
2026-08-26: 1 posts2026-08-27: 0 posts2026-08-28: 4 posts2026-08-29: 12 posts2026-08-30: 2 posts2026-08-31: 4 posts2026-09-01: 9 posts48
Price updated 1h ago·X counts updated 4h ago
STSTNE
$STNEStoneCo Ltd.
$10.37+7.35%48 posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $STNE, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersWinding up for a moveAI verdict · as of 2026-09-01

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Brazilian fintech trading at four times earnings with visible cash flow, parked at the low end of its range.

StoneCo prints a valuation that stops the eye: trailing PE near four, price-to-sales under one, and a free cash flow yield above eighteen percent. The fundamental engine still works, but the market is treating Brazil-macro risk and slowing top-line growth as the reason it should stay cheap.

  • Q1 revenue $3.32B, up only four percent year-on-year, with gross margin holding at 70 percent
  • Operating margin near 44 percent and ROE near 29 percent are unusual for a name at this multiple
  • Volume ran 7.7 times the 30-day average recently, with price pinned at six percent of its 52-week range
  • No insider activity on file and X chatter is not readable for the equity

Cheap on the numbers, cold on the tape. Whether this coils into a base or continues to grind will hinge on Brazilian rates, take-rate stability, and the next quarterly print.

What to watch: Whether the elevated volume near 52-week lows resolves into a base, and if the next quarter shows a re-acceleration off the mid-single-digit growth print.

no sentiment signal

Read the AI verdict + X sentiment for $STNE

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Brazilian fintech providing payment processing, digital banking, credit, and business software to merchants across Brazil.

Industry overviewAI analysisGenerated by AI from underlying data

Where Software - Application sits in its cycle right now — and what that implies for $STNE.

Software - Application · Technology

SaaS multiples remain compressed as rate-sensitive valuations weigh on pure-play software; customers are lengthening deal cycles outside of AI-native workloads. AI co-pilot upsell is the only clear near-term catalyst — companies without it are treading water.

What this means for $STNE

Partial — net interest margin and credit quality are the primary earnings drivers; StoneCo Ltd.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-4.2%YTD
-1.0%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
3.9How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
23.5%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
49.9%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
18.6%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.9Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
29.4%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
74.0%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.3Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 13, 2026$0.47$0.46+1.6%
Q1 2026May 14, 2026$0.42$0.420.0%
Q4 2025Mar 2, 2026$0.52$0.48+9.5%
Q3 2025Nov 6, 2025$0.43$0.430.0%
Next earningsThu, Nov 5·consensus EPS $0.53

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$3.3B+4.3%70.2%44.1%$6.76$3.1B
Q4 FY25$3.5B+1.4%74.2%51.2%$1.97$553.3M
Q3 FY25$3.6B+11.0%77.1%55.7%$2.49$-1.3B
Q2 FY25$3.3B+17.5%74.1%48.2%$2.22$68.6M

Forward consensus

5-year forecast · up to 8 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$15.2B$14.9B – $15.6B$10.59$9.00 – $12.038
FY27$16.1B$15.2B – $16.9B$11.75$8.35 – $15.008
FY28$16.8B$14.5B – $19.5B$12.35$9.54 – $14.646
FY29$11.9B$10.8B – $12.9B$13.80$12.25 – $15.404
FY30$12.6B$11.5B – $13.7B$0.00$0.00 – $0.003

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.9×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.5%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-8.6%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-26.9%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 215.9M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.2% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJun 12Morais Silvio JoseDirector9.0K sh$102KBuyMay 15Ventura Salgado DiegoCFO22.5K sh$217KSellMar 25Morais Silvio JoseDirector6.8K sh$97K
+ 17 other (17 awards) in window

See when $STNE insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3/ANew insider — initial holdingsMay 83/A
3/ANew insider — initial holdingsMay 83/A
3/ANew insider — initial holdingsMay 83/A
3New insider — initial holdingsMay 43
3New insider — initial holdingsMar 273
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
+ 23 other (12 3s · 8 6-Ks · 1 S-8 · 1 13G) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

StoneCo: Deep Value Hiding Behind Brazil's Rate Fears - For Nowseekingalpha.com·9d agoStoneco Stock: Buy or Sell?fool.com·12d agoStoneCo Q2: Growing With Low Qualityseekingalpha.com·16d agoNu Holdings Jumps 10% to a Five-Month High, StoneCo Drops 6% as Nubank Breaks From the Pack247wallst.com·19d agoStoneCo Ltd. (STNE) Q2 2026 Earnings Call Transcriptseekingalpha.com·20d ago

In themes

Explore the broader themes this ticker is being talked about under.

Consumer Fintech & Neobanks

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Voices on X · last 7 days

No standout posts about $STNE on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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