Business Description
StoneCo Ltd
NAICS : 541519
SIC : 7374
ISIN : KYG851581069
Share Class Description:
STNE: Class ADescription
StoneCo Ltd is a provider of financial technology solutions. It serves MSMBs great solutions, at fair prices, and provides theĀ customer experience to help themĀ manage their businesses and sell more. Its Stone Business Model combinesĀ end-to-end, cloud-based technology platforms; differentiated hyper-local and integrated distribution approaches; and white-glove, on-demand customer service. It has two segments Financial Services offers payments, digital banking, and credit solutions, focusingĀ Ton solution mainly on micro-merchants, and Stone solution on SMBs. In Software, it offers POS and ERP solutions for different retail and services verticals, Customer Relationship Management, engagement tools, e-commerce, and Order Management System solutions, among others.
Financial Strength
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 1.28 | |||||
| Equity-to-Asset | 0.29 | |||||
| Debt-to-Equity | 0.61 | |||||
| Debt-to-EBITDA | 2.14 | |||||
| Interest Coverage | 7.29 | |||||
| Piotroski F-Score | 6/9 | |||||
| Altman Z-Score | 1.08 | |||||
| Beneish M-Score | -1.76 | |||||
| WACC vs ROIC | ||||||
Growth Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 51.1 | |||||
| 3-Year EBITDA Growth Rate | 25.7 | |||||
| 3-Year EPS without NRI Growth Rate | 18.6 | |||||
| 3-Year Book Growth Rate | 1.1 | |||||
| Future 3-5Y EPS without NRI Growth Rate Estimate | 20.51 | |||||
| Future 3-5Y Total Revenue Growth Rate Estimate | 8.69 |
Momentum Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 55.5 | |||||
| 9-Day RSI | 46.92 | |||||
| 14-Day RSI | 45.29 | |||||
| 6-1 Month Momentum % | -17.34 | |||||
| 12-1 Month Momentum % | 26.78 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Current Ratio | 1.36 | |||||
| Quick Ratio | 1.36 | |||||
| Cash Ratio | 0.39 | |||||
| Days Sales Outstanding | 727.06 | |||||
| Days Payable | 55.19 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Shareholder Yield % | -9.78 |
Profitability Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Gross Margin % | 73.31 | |||||
| Operating Margin % | 48.08 | |||||
| Net Margin % | 15.98 | |||||
| FCF Margin % | -38.46 | |||||
| ROE % | 13.21 | |||||
| ROA % | 4.04 | |||||
| ROIC % | 23.48 | |||||
| 3-Year ROIIC % | 34.95 | |||||
| ROC (Joel Greenblatt) % | 157.89 | |||||
| ROCE % | 15.7 | |||||
| Years of Profitability over Past 10-Year | 4 |
GF Value Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 10.64 | |||||
| Forward PE Ratio | 8.38 | |||||
| PE Ratio without NRI | 10.68 | |||||
| PS Ratio | 1.61 | |||||
| PB Ratio | 1.34 | |||||
| Price-to-Tangible-Book | 3.26 | |||||
| EV-to-EBIT | 5.25 | |||||
| EV-to-Forward-EBIT | 2.53 | |||||
| EV-to-EBITDA | 4.1 | |||||
| EV-to-Forward-EBITDA | 2.23 | |||||
| EV-to-Revenue | 1.38 | |||||
| EV-to-Forward-Revenue | 1.24 | |||||
| EV-to-FCF | -3.58 | |||||
| Price-to-Graham-Number | 1.24 | |||||
| Price-to-Net-Current-Asset-Value | 6.14 | |||||
| Earnings Yield (Greenblatt) % | 19.05 | |||||
| FCF Yield % | -24.35 |
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