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STNE

StoneCo Ltd.

Technology · $2.3B market cap

Verdict

Share price

$9.55

close of Oct 3, 2026

Fair value

$11.87

Sticker Price

Payback Price

$4.75

buy price

Undervalued

STNE is Undervalued: at $9.55 it trades 20% below its fair value of $11.87. Its buy price (Payback Price) is $4.75, 50% below today's price. Business quality is solid: 3 of 5 key numbers clear the 10% bar.

How we valued it

Buffett Normalized. A profitable, growing business, so we project its earnings 10 years ahead and work out what that is worth today.

Business quality

3 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth18.6% a year✓
Equity per share growth0.2% a year✗
Sales growth41.1% a year✓
Free cash flow growth-56.5% a year✗
Return on invested capital20.8%✓

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Insider activity

Since Jun 12, 2026: no open-market purchases and 2 sales worth $310K. Why purchases matter

Sales

Morais Silvio Jose

director · 2026-09-02

Sold

$208K

Morais Silvio Jose

director · 2026-06-12

Sold

$102K

About StoneCo Ltd.

StoneCo Ltd. provides financial technology and software solutions to merchants and integrated partners to conduct electronic commerce across in-store, online, and mobile channels in Brazil. The company offers financial services, including payment, prepayment, digital banking, and credit solutions. It distributes its solutions, principally through proprietary and franchised Stone Hubs, which offer hyper-local sales…

Software - Infrastructure

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works