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Stoneco (STNE)
NASDAQ:STNE
Earnings Data
Report Date
Jun 03, 2025TBA Not Confirmed
Period Ending
2025 (Q1)Consensus EPS Forecast
0.32Last Year’s EPS
0.25Same Quarter Last Year
Moderate Buy
Based on 7 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Mar 18, 2025
|% Change Since: 42.94%
|Next Earnings Date:Jun 03, 2025
Earnings Call Sentiment|Positive
The earnings call reflected a strong performance in most financial metrics, with significant growth in MSMB TPV, retail deposits, and the credit portfolio. Despite some challenges, including a slight shortfall in MSMB card TPV and increased financial expenses, the company demonstrated effective strategy execution and resilience. The goodwill impairment in the software division was a notable negative, but overall, the highlights, particularly in financial growth and client engagement, outweighed the lowlights.Company Guidance
During StoneCo's Fourth Quarter 2024 Earnings Conference Call, the company reported exceeding its targets for several key performance indicators, except for MSMB card TPV. The MSMB card TPV reached BRL403 billion, slightly below the target of BRL412 billion, but total MSMB TPV exceeded expectations at BRL454 billion, marking a 22% year-over-year increase. Retail deposits closed the year at BRL8.7 billion, surpassing the guidance of BRL7 billion. The MSMB take rate was 2.55%, above the expected 2.49%, and the credit portfolio reached BRL1.2 billion, exceeding the BRL800 million target with non-performing loans over 90 days at 3.61%. Adjusted administrative expenses were reported at BRL994 million, better than the guided BRL1.125 billion, contributing to a net income of BRL2.2 billion, which surpassed the BRL1.9 billion target. Looking ahead, StoneCo expects continued growth in 2025, focusing on initiatives like investment products and workflow tools to accelerate deposit and overall growth.MSMB TPV Growth
MSMB card TPV reached BRL403 billion, representing a 15% year-over-year growth. Though it slightly missed the BRL412 billion guidance, total MSMB TPV exceeded expectations, reaching BRL454 billion, a 22% year-over-year increase.
Retail Deposits Surpass Guidance
Retail deposits closed 2024 at BRL8.7 billion, exceeding the BRL7 billion guidance. This reflects strong performance in payments and banking offerings.
Credit Portfolio Expansion
The credit portfolio reached BRL1.2 billion, significantly exceeding the BRL800 million target. Non-performing loans over 90 days were controlled at 3.61%.
Net Income and Cost Efficiency
Net income was BRL2.2 billion, surpassing the BRL1.9 billion guidance. Adjusted administrative expenses were BRL994 million, below the BRL1.125 billion guidance.
Strong Fourth Quarter Results
Adjusted EBT grew 22% and adjusted net income increased by 18% year-over-year in the fourth quarter. Adjusted basic EPS grew 26% compared to the fourth quarter of '23.
Banking Client Base Growth
Banking active client base increased 46% year-over-year to 3.1 million, with retail deposits growing 42% year-over-year to BRL8.7 billion.
Software Segment Performance
Software revenue grew 15% year-over-year, with adjusted EBITDA showing a strong 54% growth, reaching a margin of 21.6%.
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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
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STNE Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Mar 18, 2025 | $9.85 | $11.38 | +15.53% |
| Nov 12, 2024 | $11.56 | $11.59 | +0.26% |
| Aug 14, 2024 | $13.35 | $14.06 | +5.32% |
| May 13, 2024 | $16.65 | $15.30 | -8.11% |
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.
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FAQ
When does Stoneco (STNE) report earnings?
Stoneco (STNE) is schdueled to report earning on Jun 03, 2025, TBA Not Confirmed.
What is Stoneco (STNE) earnings time?
Stoneco (STNE) earnings time is at Jun 03, 2025, TBA Not 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 2025 (Q1) is 0.32.
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