NASDAQ$STNE
StoneCo Ltd A · Q3 2025 earnings
Q3 2025 earnings · · After market close · Investor relations
Briefing
StoneCo Q3 2025: R$3.57B revenue (+16.5% YoY), adjusted EPS R$2.57 (+31%) on payments and credit growth
StoneCo Ltd. reported Q3 2025 results for the quarter ended September 30, 2025, with total revenue and income from continuing operations of R$3.57 billion, up 16.5% year over year and 1.9% sequentially. Adjusted gross profit was R$1.60 billion (45.0% margin) and adjusted net income from continuing operations R$641.5 million (18.0% margin). Combined continuing and discontinued adjusted net income was R$689.9 million, with adjusted basic EPS of R$2.57, up 31.0% YoY, boosted by R$2.3B in share buybacks over the past twelve months. Total payment volume (TPV) reached R$140.2 billion (+8.8% YoY) with active clients at 4.7 million. Credit portfolio grew to R$2.30 billion (+148.9% YoY). Adjusted net cash was R$3.52 billion after R$465.2M used for share repurchases in the quarter.
- Continuing-ops revenue R$3.57B (+16.5% YoY); adjusted gross profit R$1.60B at 45.0% margin
- Adjusted net income R$689.9M (continuing + discontinued); adjusted basic EPS R$2.57 (+31.0% YoY)
- Total TPV R$140.2B (+8.8% YoY); active payment clients 4.7M (+17.6% YoY)
- Credit portfolio R$2.30B (+148.9% YoY); NPL 15-90 days 3.12%, NPL >90 days 5.03%
- Repurchased 5.6M shares for R$465.2M; adjusted net cash R$3.52B (-28.5% YoY)
Headline financials
Revenue & EPS history
StoneCo · Revenue · Quarterly
R$3.57B
Revenue by segment
StoneCo · R$3.67B total across 2 segments · Q1 2025
- Financial ServicesR$3.26B—88.9%
- SoftwareR$409M—11.1%
Forward guidance
Company progressing toward 2025 financial goals; will disclose revisited 2027 guidance early next year reflecting continuing operations only
Tailwinds
- Strong nine-month performance across payments, banking, and credit
Headwinds
- Macro headwinds affecting MSMB client sales growth
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q3 2025
+3.3%
Avg return
Earnings day
+3.5%
Avg return
5 days after
-1.9%
Avg return
30 days after
52%
15 / 29 earnings
Positive
+44.6%
Q4 2021
Best reaction
-33.9%
Q3 2021
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q3 2025 | -10.9% | -7.0% | -22.2% | |
| Q2 2025 | +7.0% | +16.3% | +28.1% | |
| Q1 2025 | -1.2% | +1.3% | -2.0% | |
| Q4 2024 | +15.5% | +14.9% | +24.5% | |
| Q3 2024 | -9.3% | -15.6% | -22.4% | |
| Q2 2024 | +6.5% | +12.7% | -7.3% | |
| Q1 2024 | -7.8% | -11.9% | -23.4% | |
| Q4 2023 | -6.0% | -5.8% | -11.8% | |
| Q3 2023 | +17.6% | +31.8% | +53.9% | |
| Q2 2023 | -9.5% | -9.3% | -16.6% | |
| Q1 2023 | -2.9% | -1.6% | -3.6% | |
| Q4 2022 | +7.1% | +3.3% | +32.6% | |
| Q3 2022 | +10.1% | +7.4% | -14.1% | |
| Q2 2022 | -22.7% | -20.2% | -22.9% | |
| Q1 2022 | +21.4% | +24.8% | -20.1% | |
| Q4 2021 | +44.6% | +51.7% | +7.9% | |
| Q3 2021 | -33.9% | -38.9% | -50.0% | |
| Q2 2021 | -9.8% | -13.5% | -32.8% | |
| Q1 2021 | +0.2% | -2.8% | +3.6% | |
| Q4 2020 | +1.5% | -1.7% | -4.1% | |
| Q3 2020 | -2.0% | -0.4% | +36.7% | |
| Q2 2020 | +4.5% | +2.2% | +8.2% | |
| Q1 2020 | +39.0% | +29.5% | +63.4% | |
| Q4 2019 | +11.0% | +0.3% | -51.0% | |
| Q3 2019 | +17.8% | +11.9% | +8.1% | |
| Q2 2019 | -12.6% | -7.6% | -5.8% | |
| Q1 2019 | -4.9% | -7.3% | +0.9% | |
| Q4 2018 | +26.0% | +28.6% | +6.9% | |
| Q3 2018 | -0.6% | +7.9% | -20.1% | |
| Q2 2018 | — | — | — | |
| Q1 2018 | — | — | — | |
| Q4 2017 | — | — | — | |
| Q3 2017 | — | — | — | |
| Q2 2017 | — | — | — | |
| Q1 2017 | — | — | — |
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