StoneCo demonstrated resilient performance in Q3 2025, achieving a 15.2% year-to-date growth in adjusted gross profit and a 37% increase in adjusted EPS amidst a challenging macro environment.

• Adjusted net income rose 18% year-over-year, with a consolidated ROE improving to 24%.
• Total revenue reached BRL 3.6 billion, driven by solid execution in core business despite lower floating revenues.
• Active client base grew 17% to 4.7 million, reflecting strong engagement in the MSMB segment.
• Client deposits increased by 32% year-over-year, indicating higher adoption of banking solutions.
• The credit portfolio grew 27% sequentially, maintaining strong asset quality with NPLs over 90 days at 5.03%.