Stoneco (STNE) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Aug 19, 2026

After Close (Confirmed)

Period Ending

2026 (Q2)

Consensus EPS Forecast

0.47

Last Year’s EPS

0.46

Same Quarter Last Year

Analyst Consensus

Moderate Buy

Based on 8 Analysts Ratings

Earnings Call Summary

Q1 2026

Earnings Call Date:May 14, 2026|

% Change Since:

Earnings Call Sentiment|Neutral

The call presented a mixed picture: tangible operational and financial positives (revenue growth, EPS growth, credit revenue expansion, deposit traction, strong capital returns and a healthy capital ratio) were offset by meaningful near-term challenges (elevated delinquencies and provisions, gross margin compression, elevated churn/ARPAC decline, and an adverse interest-rate backdrop). Management communicated clear corrective actions (pricing, model upgrades, tightened underwriting, product simplification, secured credit offerings and buybacks) and maintained guidance, expressing confidence in a second-half recovery, but material headwinds remain in the near term.

Company Guidance

Management said full‑year 2026 guidance is unchanged and that performance should be weighted to the second half as credit revenues compound and commercial initiatives normalize retention; they remain confident they are on a trajectory to deliver within the guidance range despite Q1 headwinds. Q1 datapoints cited: total revenue BRL 3.6bn (+6% YoY), adjusted gross profit BRL 1.5bn, adjusted net income BRL 549m, adjusted basic EPS BRL 2.19, TPV BRL 137bn (+3% YoY), active clients 4.7m (+13% YoY), ARPAC BRL 247/month, credit portfolio BRL 3.2bn (+14% QoQ) with credit revenues BRL 297m (+25% QoQ) and portfolio yield 3.3%; provisions were BRL 166m (cost of risk 21.9%), NPLs >90 days 7% and coverage ratio 229%, with management targeting a gradual decline in cost of risk to the mid‑to‑high teens. They reiterated capital discipline — YTD distributions BRL 3.6bn (27% yield), ~BRL 0.6bn in buybacks already and at least BRL 1.4bn remaining — capital ratio 44% (≈29% ex‑Linx) and adjusted ROE 19%; key risks include higher‑for‑longer rates (guidance assumed ~12.5% vs ~14% today, and each 100bp move in Selic ~BRL 200–250m pretax), while they expect operating leverage to resume as one‑offs and provisions normalize and deposit funding (cost of funding ≈87% of CDI) scales.

Strong Capital Returns to Shareholders

Distributed BRL 3.6 billion year-to-date representing a 27% distribution yield (includes extraordinary dividend from Linx divestiture and ~BRL 0.6 billion in buybacks); at least BRL 1.4 billion additional buybacks planned for 2026.

Revenue and EPS Growth

Total revenue/income BRL 3.6 billion, up 6% year-over-year. Adjusted net income BRL 549 million, up 3% YoY. Adjusted basic EPS BRL 2.19, up 15% YoY (EPS growth outpaced net income due to buybacks).

Credit Portfolio and Revenue Expansion

Total credit portfolio BRL 3.2 billion, up 14% sequentially. Merchant Solutions BRL 2.9 billion (+13% QoQ); credit card portfolio BRL 400 million (+23% QoQ). Credit revenues BRL 297 million, up 25% sequentially; portfolio yield 3.3% (vs 3.1% in Q4 and 2.6% a year ago).

Banking Franchise Development and Deposits Growth

Retail deposits BRL 10.1 billion, +22% YoY (down 9% QoQ seasonally). Average daily retail deposits +26% YoY and +7% sequentially, demonstrating improved deposit traction and lower cost of funding benefits.

Adjusted Gross Profit and New Metrics

Adjusted gross profit BRL 1.5 billion, broadly stable YoY. Introduced unified active client metric (4.7 million active clients, +13% YoY, -5% QoQ) and ARPAC metric (BRL 247/month).

Capital Position and ROE

Managerial capital ratio 44% at quarter-end (driven by Linx proceeds); excluding Linx proceeds ~29%, comfortably above 17% internal hurdle. Adjusted ROE 19%, +40 bps YoY.

Operational and Product Initiatives

Management executing product/bundle simplification, pricing redesign, tightened credit underwriting and new secured credit offerings; deploying AI-driven efficiencies and technology projects moved to production to drive future efficiency and retention improvements.

Guidance Unchanged and Second-Half Confidence

Company maintained full-year 2026 guidance and emphasized expected performance weighted to the second half as credit revenues compound and retention/commercial initiatives normalize.

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
Aug 19, 2026	2026 (Q2)	0.47 / -	0.463	―	―	―
May 14, 2026	2026 (Q1)	0.44 / 0.43	0.357	21.67% (+0.08)
Mar 02, 2026	2025 (Q4)	0.52 / 0.57	0.449	26.99% (+0.12)
Nov 06, 2025	2025 (Q3)	0.46 / 0.51	0.391	30.46% (+0.12)
Aug 07, 2025	2025 (Q2)	0.40 / 0.46	0.32	44.72% (+0.14)
May 08, 2025	2025 (Q1)	0.36 / 0.36	0.282	26.76% (+0.08)
Mar 18, 2025	2024 (Q4)	0.39 / 0.45	0.349	28.41% (+0.10)
Nov 12, 2024	2024 (Q3)	0.35 / 0.39	0.262	49.24% (+0.13)
Aug 14, 2024	2024 (Q2)	0.31 / 0.32	0.187	71.28% (+0.13)
May 13, 2024	2024 (Q1)	0.28 / 0.28	0.145	94.52% (+0.14)

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 14, 2026	$9.70	$9.61	-0.93%
Mar 02, 2026	$14.07	$11.34	-19.38%
Nov 06, 2025	$15.59	$13.90	-10.81%
Aug 07, 2025	$11.15	$11.93	+6.97%

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.