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StoneCo

STNE
61
Software - Application · Technology
Exchange
NASDAQ
Winston Score
61
Winston is curious
A decent business — some strong pillars, some weaker.

StoneCo Ltd. provides financial technology solutions to merchants and integrated partners to conduct electronic commerce across in-store, online, and mobile channels in Brazil. It distributes its solutions, principally through proprietary Stone Hubs, which offer hyper-local sales and services; and technology and solutions to digital merchants through sales and technical personnel and software vendors, as well as sells solutions to brick-and-mortar and digital merchants through sales team. As of

Winston Score History

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+18.1% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+119.7% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

12.6%ownership

↑ Rising

Insiders increasing their stake — aligned with shareholders

Cash Position

Cash flow positive

$4.8B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

StoneCo is a rare growth stock that's already generating positive cash flow while growing at 18%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin
77.9%
Premium pricing power — 77.9% gross margin
Operating Margin
51.7%
Excellent — 51.7% operating margin
ROCE
7.3%
Weak — 7.3% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales YoY
+16.5%
Fast-growing sales (16.5% YoY)
EPS YoY
N/A
Data not available
EPS Consistency
8/8 quarters
Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion
30%
Weak — only 30% of profit becomes cash
FCF Margin
-2.5%
Burning cash (-2.5%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity
1.48
Elevated debt (1.48)
Interest Cover
3.78x
Tight — interest eats into profit (3.8x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

P/E Ratio (TTM)
1.3x
no trend
Attractive valuation — P/E 1.3

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward
+0.4
GROWING
Earnings roughly flat

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Dividends

Dividend Yield
23.16%
no trend
Healthy income — 23.16% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend Growth
N/A
no trend
Data not available

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