The call highlighted strong financial performance and successful strategic divestitures, along with significant share buybacks, indicating a positive outlook. However, challenges such as slowing TPV growth, increased provisions, and a high cost of risk were noted, reflecting some caution due to macroeconomic conditions.

Company Guidance -

Q3 2025

During StoneCo's second quarter 2025 earnings call, the company provided updated guidance reflecting its strategic shift following recent software divestitures. The company is now reporting discontinued operations separately and focusing on continuing operations, with emphasis on financial services. The updated gross profit guidance indicates over 14.5% year-over-year growth, surpassing BRL 6.3 billion. Additionally, StoneCo increased its expected EPS growth from 18% to 32% year-over-year, reflecting stronger-than-anticipated net income performance. The adjusted net income guidance was revised upward from BRL 2.4 billion to BRL 2.6 billion. StoneCo remains committed to returning BRL 3 billion in excess capital to shareholders, with 41% of this amount already returned through share buybacks by mid-2025. Overall, despite a challenging macroeconomic environment, StoneCo reported solid financial performance, with a 27% year-over-year increase in adjusted net income to BRL 631 million and a 45% year-over-year increase in adjusted basic EPS to BRL 2.33 per share.

Strong Financial Performance

Adjusted net income increased by 27% year-over-year to BRL 631 million, driven by a 21% growth in financial services. Adjusted basic EPS grew by 45% year-over-year to BRL 2.33 per share.

Successful Software Divestitures

Sale of Linx to TOTVS for an enterprise value of BRL 3.05 billion and SimplesVet for BRL 140 million. Total value unlocked from sales, including goodwill retention, is over BRL 4 billion.

Record Share Buybacks

Returned 41% of the BRL 3 billion excess capital to shareholders through share buybacks, totaling BRL 2.6 billion over the last 12 months.

Growth in Banking and Credit

Active banking client base grew 23% year-over-year, with client deposits up 36% year-over-year. Credit portfolio grew 25% sequentially to BRL 1.8 billion.

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	0.174	71.28% (+0.12)
May 13, 2024	2024 (Q1)	0.27 / 0.26	0.135	94.52% (+0.13)
Mar 18, 2024	2023 (Q4)	0.27 / 0.33	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.