StoneCo Ltd. Q3 2025 Earnings Recap

STNE Q3 2025 November 8, 2025

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.

Earnings Per Share Beat

$0.43 vs $0.43 est.

+0.0% surprise

Revenue Miss

668594785 vs 709031296 est.

-5.7% surprise

Market Reaction

1-Day +0.0%

5-Day +0.24%

30-Day -6.48%

Key Takeaways

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%.

This summary was generated by AI from the official earnings call transcript and is provided for informational purposes only. It does not constitute financial advice. For the complete transcript and financial data, visit STNE on AllInvestView.