StoneCo Ltd
NASDAQ:STNE

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StoneCo Ltd Logo
StoneCo Ltd
NASDAQ:STNE
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Price: 10.26 USD 10.68% Market Closed
Market Cap: 3.2B USD
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Intrinsic Value

The intrinsic value of one STNE stock under the Base Case scenario is 14.57 USD. Compared to the current market price of 10.26 USD, StoneCo Ltd is Undervalued by 30%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

STNE Intrinsic Value
14.57 USD
Undervaluation 30%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation Backtest
StoneCo Ltd

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
StoneCo Ltd

Current Assets 40B
Cash & Short-Term Investments 11.9B
Receivables 27.6B
Other Current Assets 425.7m
Non-Current Assets 11.9B
Long-Term Investments 111.8m
PP&E 1.8B
Intangibles 9B
Other Non-Current Assets 1.1B
Current Liabilities 28.1B
Accounts Payable 17.1B
Accrued Liabilities 603.2m
Other Current Liabilities 10.4B
Non-Current Liabilities 8.6B
Long-Term Debt 7.2B
Other Non-Current Liabilities 1.4B
Efficiency

Earnings Waterfall
StoneCo Ltd

Revenue
13B BRL
Cost of Revenue
-3.3B BRL
Gross Profit
9.7B BRL
Operating Expenses
-3.4B BRL
Operating Income
6.3B BRL
Other Expenses
-4.2B BRL
Net Income
2.1B BRL

Free Cash Flow Analysis
StoneCo Ltd

Last Value
3-Years Average
FCF Margin
Conversion Rate
Earnings Calls

In Q3 2024, StoneCo reported a 7% year-over-year revenue growth, largely from its MSMB segment. Adjusted net income soared by 35%, driven by margin improvements and a strong share repurchase program, leading to a 43% increase in earnings per share (BRL 1.97). The MSMB client base expanded by 21% to nearly 4 million active clients. Notably, the take rate reached a record 2.58%. Additionally, their credit portfolio surpassed annual guidance at BRL 923 million, marking a quarter-over-quarter growth of 30%. Guidance for 2024 suggests a continued focus on profitability while navigating market dynamics.

What is Earnings Call?
Fundamental Scores

STNE Profitability Score
Profitability Due Diligence

StoneCo Ltd's profitability score is 66/100. The higher the profitability score, the more profitable the company is.

Exceptional 3-Years Revenue Growth
Positive Gross Profit
Positive Operating Income
ROIC is Increasing
66/100
Profitability
Score

StoneCo Ltd's profitability score is 66/100. The higher the profitability score, the more profitable the company is.

STNE Solvency Score
Solvency Due Diligence

StoneCo Ltd's solvency score is 49/100. The higher the solvency score, the more solvent the company is.

Low D/E
Negative Net Debt
Short-Term Solvency
Long-Term Solvency
49/100
Solvency
Score

StoneCo Ltd's solvency score is 49/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

STNE Price Targets Summary
StoneCo Ltd

Wall Street analysts forecast STNE stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for STNE is 16.45 USD with a low forecast of 7.07 USD and a high forecast of 21 USD.

Lowest
Price Target
7.07 USD
31% Downside
Average
Price Target
16.45 USD
60% Upside
Highest
Price Target
21 USD
105% Upside
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Dividends

StoneCo Ltd
does not pay dividends
Shareholder Yield

Current shareholder yield for STNE is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
No dividends
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Profile

StoneCo Ltd Logo
StoneCo Ltd

Country

Cayman Islands

Industry

Technology

Market Cap

3B USD

Dividend Yield

0%

Description

StoneCo Ltd. engages in the provision of financial technology solutions. The firm provides end-to-end, cloud-based technology platform to conduct electronic commerce, across in-store, online and mobile channels. The firm has designed cloud-based technology platform that helps clients to connect, get paid and grow their businesses, while meeting the rapidly changing demands of omni-channel commerce. Its platform enables to develop, host and deploy its solutions quickly. The firm also sells its solutions to integrated partners such as payment service providers (PSPs), which are firms that contract with a merchant to provide them with payment acceptance solutions, and marketplaces to merchants to conduct commerce. The company also developed its distribution solution to reach and serve its clients by developing Stone Hubs. StoneHubs are local operations close to its clients that include an integrated team of sales, service, and operations support staff to reach SMBs locally.

Contact

George Town
4th Floor, Harbour Place, 103 South Church Street, P.O. Box 10240
www.stone.co

IPO

2018-10-25

Employees

7 239

Officers

Chief Executive Officer
Mr. Pedro Zinner
CFO & Investor Relations Officer
Mr. Mateus Scherer Schwening
Chief People & Operating Officer
Mr. Fabio Vieira Kapitanovas
Chief Technology Officer
Mr. Marcus Felipe Montenegro Carvalho da Fontoura
Head of Investor Relations
Ms. Roberta Noronha
Chief Legal & Compliance Officer
Ms. Tatiana Malamud
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Chief Strategy & Marketing Officer
Ms. Lia Machado de Matos
Chief Economist & Regulatory Affairs Officer
Mr. Vinicius Do Nascimento Carrasco Ph.D.
Chief Operating Officer of Software
Mr. Sandro de Oliveira Bassili
Chief Risk Officer
Mr. Andre Monteiro D'Almeida Monteiro
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See Also

Discover More
What is the Intrinsic Value of one STNE stock?

The intrinsic value of one STNE stock under the Base Case scenario is 14.57 USD.

Is STNE stock undervalued or overvalued?

Compared to the current market price of 10.26 USD, StoneCo Ltd is Undervalued by 30%.

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