TickerTalks
Browse all tickers →
TickerTalks›$STNE
STSTNE

StoneCo Ltd.

$STNE·$2.6B·Software - Infrastructure·Technology
$11.28-0.9%YTD-38.0%1Y-36.1%
Price updated 1d ago·X counts updated 6d ago
STSTNE
$STNEStoneCo Ltd.
$11.28-0.88%346 posts1×
AI analysisFundamentalsVoices on X
Loading…

On X

Top X posts

The complete picture of $STNE on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

346X posts · last 7 days
Sep 29Oct 11
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $STNE's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 60% of tracked names.

AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $STNE — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Comeback attemptWinding up for a moveAI verdict · as of 2026-10-03

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

StoneCo at 5.6% of its range with a 44% operating margin — the Brazilian-payments story needs the Nov 5 print.

StoneCo is the Brazilian fintech providing small-and-medium business merchant acquiring, banking, and software. The 2026 drawdown reflects Brazilian-tech-cycle weakness, but the operating leverage has quietly returned to levels competitors haven't matched.

  • The P&L is strong on margin even with slow growth: Q2 revenue grew 4.3% YoY to $3.3B at a 44% operating margin and $6.76 EPS, with trailing EPS prints in-line on each of the last two — these are the economics of a business whose scale advantage is fully converted into margin.
  • The sector sentiment is improving: Goldman Sachs reiterating NU bull case plus StoneCo's own earnings outperforming market returns is the beginning of the Brazilian-fintech cohort recovery that typically precedes multiple expansion.

At 5.6% of its 52-week range and 24% below the 200-day going into Nov 5 earnings, the setup is a classic turnaround coil. A clean take-rate direction plus any banking revenue acceleration is the trigger for a reclaim; another soft Payments growth or any Brazilian macro curveball is the invalidation.

What to watch: Nov 5 Q3 earnings — merchant-acquiring volume, take-rate direction, banking revenue growth, and FY27 guide. Take-rate stability plus banking growth is the trigger; soft Payments is the invalidation.

On the calendar: 2026-11-05 — Q3 earnings

event ahead 30dbrazilian fintech

Read the AI verdict on $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)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
Free, forever. No credit card.

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

Software - Infrastructure · Technology

No material change from last week — AI infrastructure capex bifurcates the cohort — GPU-cloud providers and AI-native security platforms absorbing enterprise spend, while legacy SaaS faces multiple compression. GPU-cloud platforms and AI-native security tools absorb enterprise spend while legacy SaaS faces multiple compression.

What this means for $STNE

Partial — Brazilian fintech providing payment processing, digital banking, credit, and business software to merchants across Brazil.; AI infrastructure capex bifurcates the cohort; exposure depends on workload alignment with GPU-cloud and AI-native security architectures.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
+4.2%YTD
-7.5%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 12·consensus EPS $0.50

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$14.7B$14.6B – $14.8B$10.26$8.92 – $12.298
FY27$15.4B$15.0B – $15.9B$11.21$9.24 – $13.088
FY28$16.2B$14.0B – $18.8B$11.64$9.05 – $13.567
FY29$11.6B$10.8B – $12.7B$13.98$12.74 – $15.663
FY30$12.4B$11.5B – $13.5B$0.00$0.00 – $0.005

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.0.7×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.22%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.+11.5%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.-9.1%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 220.3M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.0% 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.β1.545-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

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

Recent transactions

SellSep 2Morais Silvio JoseDirector21.0K sh$208KSellJun 12Morais Silvio JoseDirector9.0K sh$102KBuyMay 15Ventura Salgado DiegoCFO22.5K sh$217K
+ 19 other (18 awards · 1 inkind) 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
Free, forever. No credit card.

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

SC 13D/AActivist amendmentOct 7SC 13D/A
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
+ 9 other (6 6-Ks · 1 S-8 · 1 13G · 1 20-F) in window

Recent news

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

StoneCo Ltd. (STNE) Suffers a Larger Drop Than the General Market: Key Insightszacks.com·5d agoStoneCo Ltd. to Announce Third Quarter 2026 Financial Results on November 12th, 2026newsfilecorp.com·9d agoWhy StoneCoStock Soared Todayfool.com·12d agoStock Traders Buy High Volume of StoneCo Call Options (NASDAQ:STNE)defenseworld.net·12d agoStoneCo Ltd. (STNE) Surpasses Market Returns: Some Facts Worth Knowingzacks.com·15d ago

In themes

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

Consumer Fintech & Neobanks

More in Software - Infrastructure

Peers in the same group — one click to compare setups, fundamentals, and chatter.

$PLTR$MSFT$NET$ORCL$CRWV$S$CRWD$PANW
Voices on X · top 2 · 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.

PrivacyTermsSupport