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STSTNE

StoneCo Ltd.

$STNE·$2.5B·Software - Application·Technology
$9.82-2.0%YTD-33.0%1Y-41.9%
Price updated 2m ago·X counts updated 2d ago
STSTNE
$STNEStoneCo Ltd.
$9.82-2.00%85 posts1×
AI analysisFundamentalsVoices on X
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On X

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.

85X posts · last 7 days
Aug 22Sep 7
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.

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.

Proven numbersStalledAI verdict · as of 2026-09-09

The move has stalled — likely just drifts unless something new shows up.

StoneCo is 4x P/E and 18% FCF yield with 50% operating margins — Brazilian rate-fear discount is real, but the fundamentals aren't broken.

StoneCo is a Brazilian fintech providing point-of-sale payments, software, and merchant banking. The stock is stuck at 9% of its 52-week range because the Brazilian macro overhang is dominating any equity-specific discussion.

  • The financials are ridiculously attractive on paper: Q1 revenue of $3.32B (BRL) was up 4% YoY at a 44% operating margin, an 18.6% FCF yield, and a 4x trailing P/E — this is a business whose economics have improved even as the macro has weakened.
  • The Brazilian-rate-fear narrative is the honest overhang: Nu Holdings breaking from the pack (Nu +10% while STNE -6%) shows the market can differentiate within Brazilian fintech, and STNE has been the loser of that recent divergence.
  • The 'growing with low quality' Q2 analyst framing is the specific bear case — market participants worry that the SMB-merchant-loan book is deteriorating faster than the reported metrics reflect.

If Q3 earnings on Nov 5 confirms merchant-loan credit-quality holding with take-rates stable, the 9%-of-52-week-range setup becomes a real bottom. Continued Brazilian real weakness, a Selic-rate spike, or a large loan-book credit event is what would confirm the stalled read and take this to fresh lows.

What to watch: Q3 earnings on Nov 5 — merchant-loan credit-quality metrics, take-rate trajectory, and any commentary on Brazilian rate environment. Credit quality holding with stable take rates finds a bottom; a loan-book credit event or Selic spike stalls the setup.

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

brazilian macro overhangmerchant loan credit qualitydeep value setup

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
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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 deal cycles remain elongated outside AI-native workloads; rate-sensitive multiples are compressing pure-play revenue growth stories. AI co-pilot and agent automation upsell — NOW, CRM, SAP, WDAY, TEAM — is the only segment with clear near-term acceleration, while companies lacking AI differentiation are treading water on flat net-dollar-retention.

What this means for $STNE

Neutral — StoneCo is a Brazilian fintech offering payment processing and merchant software; revenue is tied to Brazilian commerce volumes, not the US/EU enterprise SaaS AI co-pilot cycle.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-3.6%YTD
-6.7%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$15.1B$14.7B – $15.6B$10.55$8.85 – $12.207
FY27$15.9B$15.0B – $16.8B$11.66$8.70 – $14.638
FY28$16.8B$15.3B – $19.4B$12.36$10.42 – $14.177
FY29$11.9B$11.1B – $12.9B$14.27$13.14 – $15.933
FY30$12.6B$11.8B – $13.7B$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.0.6×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.9%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.-4.8%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.-23.4%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 today1.6% 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.β1.615-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

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
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

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·16d agoStoneco Stock: Buy or Sell?fool.com·19d agoStoneCo Q2: Growing With Low Qualityseekingalpha.com·23d agoNu Holdings Jumps 10% to a Five-Month High, StoneCo Drops 6% as Nubank Breaks From the Pack247wallst.com·26d agoStoneCo Ltd. (STNE) Q2 2026 Earnings Call Transcriptseekingalpha.com·27d 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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