The earnings call reflects a strong performance in financial metrics, strategic divestitures, and growth in banking services, but also highlights challenges such as slower TPV growth and increased provisions for credit losses amidst a challenging macroeconomic environment.

Company Guidance -

Q3 2025

During StoneCo's second quarter 2025 earnings call, the company provided updated guidance reflecting its strategic focus on financial services following software divestitures. StoneCo revised its gross profit guidance to over 14.5% year-over-year growth, expecting it to surpass BRL 6.3 billion. The company also increased its expected EPS growth from 18% to 32% year-over-year, a 14-percentage-point upgrade, due to share buybacks and stronger-than-expected net income performance. The adjusted net income guidance was raised from BRL 2.4 billion to BRL 2.6 billion, highlighting confidence in operational execution. StoneCo emphasized its commitment to returning BRL 3 billion in excess capital generated in 2024 to shareholders, having already returned 41% through share buybacks. The divestiture of Linx and other software assets is expected to unlock over BRL 4 billion, roughly 25% of the company's market capitalization, with the proceeds aligned with capital allocation priorities.

Strong Adjusted Net Income Growth

Adjusted net income increased 27% year-over-year, reaching BRL 631 million, driven primarily by the financial services segment.

Effective Share Buyback Strategy

The company executed share buybacks totaling almost BRL 400 million during the quarter, contributing to a 45% year-over-year increase in adjusted basic EPS.

Successful Divestiture of Linx

StoneCo agreed to sell its Linx software business for an enterprise value of BRL 3.05 billion, with a total value unlocked of over BRL 4 billion.

Positive Banking Performance

Active banking client base grew 23% year-over-year, with client deposits up 36% year-over-year, highlighting strong banking segment growth.

Improved Revenue from Continuing Operations

Revenues from continuing operations grew 20% year-over-year to BRL 3.5 billion, driven by repricing initiatives and solid execution.

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

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STNE Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 18, 2025	2025 (Q3)	0.40 / -	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	0.173	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
Aug 07, 2025	$13.50	$14.44	+6.96%
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%

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.