StoneCo Ltd (STNE) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
StoneCo Ltd stock (STNE) is currently trading at $14.36. StoneCo Ltd PE ratio is 7.06. StoneCo Ltd PS ratio (Price-to-Sales) is 0.26. Analyst consensus price target for STNE is $19.51. WallStSmart rates STNE as Buy.
- STNE PE ratio analysis and historical PE chart
- STNE PS ratio (Price-to-Sales) history and trend
- STNE intrinsic value — DCF, Graham Number, EPV models
- STNE stock price prediction 2025 2026 2027 2028 2029 2030
- STNE fair value vs current price
- STNE insider transactions and insider buying
- Is STNE undervalued or overvalued?
- StoneCo Ltd financial analysis — revenue, earnings, cash flow
- STNE Piotroski F-Score and Altman Z-Score
- STNE analyst price target and Smart Rating
StoneCo
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STNE Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · StoneCo Ltd (STNE)
STNE trades at a significant discount to its Graham intrinsic value of $88.45, offering a 80% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
StoneCo Ltd (STNE) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, operating margin, price/sales. Overall metrics suggest strong investment potential with favorable risk/reward.
StoneCo Ltd (STNE) Key Strengths (8)
Keeps $46 of every $100 in revenue after operating costs
Paying less than $1 for every $1 of annual revenue
Earnings per share surging 46.10% year-over-year
83.47% of shares held by major funds and institutions
Every $100 of equity generates $21 in profit
Trading at 1.59x book value, attractively priced
Strong profitability: $17 kept per $100 revenue
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
StoneCo Ltd (STNE) Areas to Watch (1)
Solid revenue growth at 11.20% per year
StoneCo Ltd (STNE) Detailed Analysis Report
Overall Assessment
This company scores 78/100 in our Smart Analysis, earning a B+ grade. Out of 9 metrics analyzed, 8 register as strengths (avg 9.0/10) while 1 fall into concern territory (avg 6.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Sales, EPS Growth. Valuation metrics including Price/Sales (0.26), Price/Book (1.59) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 20.80%, Operating Margin at 46.30%, Profit Margin at 17.30%. Growth metrics are encouraging with EPS Growth at 46.10%.
The Bear Case
The primary concerns are Revenue Growth. Growth concerns include Revenue Growth at 11.20%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 20.80% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 11.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Sales makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
STNE Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
STNE's Price-to-Sales ratio of 0.26x trades at a deep discount to its historical average of 1.87x (16th percentile). The current valuation is 96% below its historical high of 6.65x set in Feb 2021, and 54% above its historical low of 0.17x in Dec 2024. Over the past 12 months, the PS ratio has expanded from ~0.2x, reflecting growing market expectations outpacing revenue growth.
Compare STNE with Competitors
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Compare any two stocks →WallStSmart Analysis Synopsis
Data-driven financial summary for StoneCo Ltd (STNE) · TECHNOLOGY › SOFTWARE - INFRASTRUCTURE
The Big Picture
StoneCo Ltd is a mature, profitable business with steady cash generation. Revenue reached 13.4B with 11% growth year-over-year. Profit margins of 17.3% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 20.8% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 553M in free cash flow and 721M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Volatility is elevated with a beta of 1.88, so expect amplified moves relative to the broader market.
Sector dynamics: monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive moves, and regulatory changes that could impact StoneCo Ltd.
Bottom Line
StoneCo Ltd is a well-established business delivering consistent profitability with 17.3% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About StoneCo Ltd(STNE)
NASDAQ
TECHNOLOGY
SOFTWARE - INFRASTRUCTURE
USA
StoneCo Ltd. provides fintech solutions to merchants and integrated partners to conduct e-commerce through store, online and mobile channels in Brazil.