StoneCo Ltd.
STNE · Services-Computer Processing & Data Preparation · EDGAR filings ↗
Reference price $11.29 — last insider sale, 2026-06-12 (estimated from the dated SEC Form 4 price — not a live quote)
Grade
C55Brazilian payments and banking platform scaling fast but showing GAAP losses and weak reported returns this period.
Strengths
- Large, growing ecosystem (4.8M payments clients, TPV +8.7%, deposits +27%)
- Adequate cash balance (74th pct) and improving adjusted profitability per MD&A
Risks
- Negative reported ROE (-12.7, 16th pct) and ROA (-2.7); deeply negative FCF (6th pct)
- Short cash runway (22nd pct), Brazil macro, FX and heavy regulatory exposure
Notable findings
- Cash burnNegative free cash flow (-709.2M)
- Customer concentration~41% of revenue from one customer/distributor — Evidence from our success in this strategy is the steady growth of heavy users - clients who use three or more of our financial solutions – which reached 41% of our client base by December 31, 2025, a
- Insider buyingInsider buying — 2 open-market buy(s) by 1 insider(s) (~$217,163, last 6mo) Form 4 ↗
Key metrics
Return on equity
-12.7%
Return on assets
-2.7%
Net-income growth
-173.9%
Current ratio
1.4×
Free cash flow
-$709M
Tangible book value
$1.9B
Cash & investments
$845M
Cash runway
5q
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-12 | Morais Silvio Jose | Sell | 9.0K | $11.29 |
| 2026-05-15 | Ventura Salgado Diego | Buy | 12K | $9.66 |
| 2026-05-15 | Ventura Salgado Diego | Buy | 11K | $9.66 |
| 2026-05-07 | Kopel Marcelo | Grant | 4.3K | — |
| 2026-05-07 | Morais Silvio Jose | Grant | 6.8K | — |
| 2026-05-07 | Scheinkman Jose Alexandre | Grant | 2.7K | — |
| 2026-05-07 | Vieira Kapitanovas Fabio | Grant | 25K | — |
| 2026-05-07 | Ventura Salgado Diego | Grant | 34K | — |
| 2026-05-07 | Malamud Tatiana | Grant | 18K | — |
| 2026-05-07 | Ilg Thomas Gregor | Grant | 34K | — |
| 2026-05-07 | Schwening Mateus Scherer | Grant | 185K | — |
| 2026-05-07 | Zinner Pedro | Grant | 38K | — |
| 2026-05-07 | Luchetti Mauricio Luis | Grant | 8.3K | — |
| 2026-05-07 | de Oliveira Bassili Sandro | Grant | 170K | — |
| 2026-05-07 | Renteria Raul P | Grant | 14K | — |
| 2026-05-07 | Fresco Gutierrez Diego | Grant | 3.9K | — |
| 2026-05-07 | Silveira Antonio Carlos | Grant | 2.2K | — |
| 2026-05-07 | Cals de Beauclair Guimaraes Luis Henrique | Grant | 2.2K | — |
| 2026-05-07 | Aguiar Luciana Ibiapina Lira | Grant | 3.9K | — |
| 2026-05-07 | Caldart Gilberto | Grant | 5.3K | — |
| 2026-03-25 | Morais Silvio Jose | Sell | 6.8K | $14.33 |
All non-derivative Form 4 activity (SEC), newest first.
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 20-F | 2026-04-23 | 2025-12-31 | 0002070979-26-000170 ↗ |
| 20-F | 2025-04-24 | 2024-12-31 | 0001628280-25-019653 ↗ |
| 20-F | 2024-04-24 | 2023-12-31 | 0001628280-24-017682 ↗ |
| 20-F | 2023-05-01 | 2022-12-31 | 0001628280-23-014323 ↗ |
| 20-F | 2022-04-29 | 2021-12-31 | 0001628280-22-011534 ↗ |
| 20-F | 2021-04-07 | 2020-12-31 | 0001628280-21-006647 ↗ |
| 20-F | 2020-04-29 | 2019-12-31 | 0000950103-20-008435 ↗ |
| 20-F | 2019-04-29 | 2018-12-31 | 0000950103-19-005360 ↗ |