The earnings call presented a generally positive outlook with strong year-over-year growth in key financial metrics, effective capital returns, and growing client engagement. However, some sequential declines in financial performance and anticipated TPV growth deceleration were noted, along with increased financial expenses. Despite these challenges, the company's strategic initiatives and continued focus on profitability suggest a stable future outlook.

Company Guidance -

Q3 2025

During the first quarter of 2025, StoneCo demonstrated strong financial performance, exceeding its annual guidance targets across several key metrics. Gross profits increased by 19% year-over-year, surpassing the 14% annual growth outlined in their guidance, while adjusted basic EPS grew by 36%, significantly above the expected 18% growth for the year. The company also repurchased R$843 million worth of shares, boosting its distribution yield to 12% over the past 12 months. StoneCo's adjusted net income rose by 23% year-over-year, though it experienced a 17% decrease quarter-over-quarter due to higher investments and tax rates. The company's strategic repricing efforts, which were implemented in response to an increase in the yield curve, resulted in a notable improvement in profitability. StoneCo's client base and transaction volumes, particularly in MSMB payments, also showed robust growth, with MSMB active clients growing by 17% year-over-year. Additionally, the company's credit portfolio reached R$1.4 billion, supported by a stable non-performing loan ratio and a coverage ratio of 256%. StoneCo announced a new R$2 billion share repurchase program, underscoring its commitment to shareholder returns while maintaining a disciplined capital allocation strategy.

Strong Year-Over-Year Growth in Key Financial Metrics

Gross profits grew by 19% year-over-year, with EPS growing by 36% year-over-year, surpassing the 18% growth implied in the full-year outlook. Adjusted net income also grew 23% year-over-year.

Share Repurchase and Capital Returns

StoneCo repurchased R$843 million or 15.1 million shares during the quarter. Over the past 12 months, the company has returned R$2.4 billion in share buybacks, highlighting a strong capital return policy.

MSMB Active Client Base and Engagement Growth

The MSMB payments active client base increased by 17% year-over-year, with the heavy user metric reaching 38%, up from 37% in the previous quarter.

Software Segment Achievements

Software segment revenues grew 11% year-over-year, with adjusted EBITDA growing 12% and a reduction in Software CapEx from 71% of EBITDA to 51% this quarter.

Stoneco (STNE) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

STNE Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 18, 2025	2025 (Q3)	0.39 / -	0.364	―	―	―
Aug 07, 2025	2025 (Q2)	0.37 / 0.43	0.297	44.72% (+0.13)
May 08, 2025	2025 (Q1)	0.33 / 0.33	0.262	26.76% (+0.07)
Mar 18, 2025	2024 (Q4)	0.36 / 0.42	0.325	28.41% (+0.09)
Nov 12, 2024	2024 (Q3)	0.33 / 0.36	0.244	49.24% (+0.12)
Aug 14, 2024	2024 (Q2)	0.28 / 0.30	0.174	71.28% (+0.12)
May 13, 2024	2024 (Q1)	0.26 / 0.26	0.135	94.52% (+0.13)
Mar 18, 2024	2023 (Q4)	0.27 / 0.32	0.133	144.44% (+0.19)
Nov 10, 2023	2023 (Q3)	0.21 / 0.24	0.096	153.85% (+0.15)
Aug 16, 2023	2023 (Q2)	0.16 / 0.17	0.046	276.00% (+0.13)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

STNE Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
May 08, 2025	$13.81	$13.65	-1.16%
Mar 18, 2025	$9.85	$11.38	+15.53%
Nov 12, 2024	$11.56	$11.59	+0.26%
Aug 14, 2024	$13.35	$14.06	+5.32%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.