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Stoneco (STNE)
NASDAQ:STNE
Earnings Data
Report Date
Jun 02, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.45Last Year’s EPS
0.34Same Quarter Last Year
Moderate Buy
Based on 6 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a generally positive operational and financial trajectory: strong EPS and adjusted gross profit growth, meaningful expansion in banking deposits and credit portfolio scale, improved ROE, and a clear capital return plan (including Linx proceeds). However, the company faces near-term execution and macro headwinds—TPV deceleration, higher churn, elevated loan-loss provisions and delinquency metrics, and deliberate increases in selling expenses to reposition the business. Management presented concrete mitigation plans (commercial initiatives, bundling, credit discipline, AI-enabled efficiency efforts) and provided conservative but constructive guidance. On balance, the positive financial results, capital returns and credit/banking momentum outweigh the near-term operational and portfolio risks, though execution will be critical to sustain the outlook.Company Guidance
Strong EPS Growth
Adjusted basic EPS for full year 2025 was BRL 9.71 per share, up 34% year-over-year and ahead of guidance (BRL 9.60). Fourth-quarter adjusted basic EPS was BRL 2.87, up 27% year-over-year, benefiting from net income growth and share repurchases.
Adjusted Gross Profit Expansion
Full-year adjusted gross profit reached BRL 6.319 billion, an increase of 13.5% year-over-year. Adjusted gross profit would have been BRL 6.379 billion after accounting for BRL 1.8 billion in share repurchases (estimated BRL 60 million gross profit impact), slightly above prior guidance (BRL 6.375 billion).
Higher Return on Equity
Consolidated ROE expanded to 26% in Q4 2025, increasing by 6 percentage points year-over-year, reflecting improved profitability and capital efficiency.
Banking Momentum and Deposit Growth
Banking active clients grew 21% year-over-year to 3.7 million. Client deposits reached BRL 11.1 billion, up 27% year-over-year and 23% quarter-over-quarter, with deposit penetration over MSMB TPV rising to 8.2% (from 6.8% a year earlier). Time deposits comprised 86% of deposits.
Credit Business Scaling
Credit portfolio reached BRL 2.8 billion in the quarter, up 23% sequentially. Merchant working capital was BRL 2.5 billion (+23% qoq) and credit card balances BRL 300 million (+30% qoq). Credit revenues in Q4 were BRL 238 million, up 33% sequentially; average monthly credit yield rose to 3.1% from 2.9% in Q3 2025.
Client Base and Engagement Gains
MSMB client base expanded 15% year-over-year to 4.7 million clients; share of 'heavy users' rose to 41% (from 38% in prior quarter), supporting cross-sell opportunities.
Capital Returns and Balance Sheet Actions
Company returned BRL 3 billion of previously identified excess capital during the year (15% yield). Board approved distribution of just over BRL 2 billion in excess capital for 2026 buybacks and closed Linx sale releasing ~BRL 3 billion of proceeds planned for shareholder return in 2026.
Adjusted Net Cash Position
Adjusted net cash closed Q4 at BRL 2.6 billion. Excluding BRL 1.3 billion of share repurchases executed in Q4, adjusted net cash would have increased by ~BRL 350 million sequentially.
Updated Multi-Year Guidance
2026 guidance for continuing operations: adjusted gross profit BRL 6.6–7.0 billion and adjusted basic EPS BRL 10.8–11.4 (assumes BRL 2 billion buybacks). 2027 guidance: adjusted gross profit BRL 7.2–8.3 billion and EPS BRL 11.8–13.4.
Lower Effective Tax Rate and Cost Reductions
Effective tax rate decreased to 10.3% in Q4 from 13.7% a year earlier, driven by higher Lei do Bem benefits. 'Other expenses' declined 27% year-over-year (100 bps of revenues) due to lower share-based compensation.
STNE Earnings History
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 |
|---|---|---|---|
Mar 02, 2026 | $17.03 | $13.73 | -19.38% |
Nov 06, 2025 | $18.87 | $16.83 | -10.81% |
Aug 07, 2025 | $13.50 | $14.44 | +6.96% |
May 08, 2025 | $13.81 | $13.65 | -1.16% |
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.
FAQ
When does Stoneco (STNE) report earnings?
Stoneco (STNE) is schdueled to report earning on Jun 02, 2026, After Close (Confirmed).
What is Stoneco (STNE) earnings time?
Stoneco (STNE) earnings time is at Jun 02, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is STNE EPS forecast?
STNE EPS forecast for the fiscal quarter 2026 (Q1) is 0.45.
