# StoneCo Ltd. Class A (STNE) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Technology / Software. Price $10.11, market value $2.3 billion.

## Valuation
- **P/E (trailing): 3.8×** (5-yr avg 2.2×, 3-yr avg 2.2×). StoneCo Ltd. Class A trades at 3.8× trailing earnings, well above its own five-year average of 2.2×: investors are paying up relative to the company's past. The Technology median in the September 2026 study was 32.1×. Forward P/E is 4.3×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.01**. A PEG of 0.01 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.9×**. Each dollar of revenue is priced at 0.9×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 1.0×**. The shares trade at 1.0× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 3.4×**. Enterprise value is 3.4× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 30.0%** (5-yr avg -21.5%). Free cash flow equals 30.0% of the market value, above its five-year average of -21.5%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 26.5%**. The inverse of the P/E: 26.5% of the price is earned each year.

## Profitability
- **Gross margin: 72.1%**. StoneCo Ltd. Class A keeps 72.1% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 49.8%**. 49.8% of revenue is left after running the business, an exceptional level.
- **Net margin: 17.3%**. 17.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 21.1%**. 21.1% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 33.2%**. Return on all capital, debt included, is 33.2%: comfortably above what that capital costs.
- **Return on assets: 5.4%**. Each dollar of assets produces 5.4% of profit.

## Growth
- **EPS growth (1 yr): 308.9%** (5-yr 29.2%/yr). Earnings per share rose 308.9%.

## Financial health
- **Debt to equity: 1.60**. Debt is 1.60 times equity, a leveraged balance sheet that needs steady cash flow to service.
- **Net debt / EBITDA: 1.5×**. It would take 1.5 years of operating earnings to repay net borrowings, within the comfortable range.
- **Interest coverage: 2.4×**. Operating profit covers interest 2.4×, thin but manageable.
- **Current ratio: 1.37** (quick 1.37). Current assets cover the next year's liabilities 1.37 times.
- **Altman Z-score: 1.15**. A Z-score of 1.15 is in the distress zone, a signal to examine the balance sheet closely.
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. StoneCo Ltd. Class A does not currently pay a dividend, but it returned 25.2% of its market value through buybacks over the last year.

## Analyst view
- **Analyst consensus: buy** (17 analysts). 17 analysts cover StoneCo Ltd. Class A; the consensus is buy, with an average price target of $15.17 (+50% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -25.9%** (YTD -17.3%, 3-mo -2.8%). The shares are down 25.9% over twelve months including dividends.
- **From 52-week high: -49.3%** (11.3% above the low). Trading 49% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 51**. An RSI of 51 is neutral.
- **Beta (1 yr): 1.70** (volatility 49%). Beta of 1.70 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=STNE · Page: https://foliofundamentals.com/stocks/stne

Not investment advice.