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Dec 31, 2025
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StoneCo Q4 2025 Earnings Report
StoneCo Q4 2025 Earnings Report was released, showing strong growth in net income and credit portfolio expansion despite macroeconomic headwinds.
Key Takeaways
StoneCo delivered a solid fourth quarter with a 13% year-over-year increase in total revenue and a 12.4% increase in adjusted net income from continuing operations. The company successfully executed its simplification strategy, including the divestment of Linx software assets, while expanding its MSMB active client base to 4.7 million and more than doubling its credit portfolio.
Adjusted Basic EPS grew 26.8% year-over-year to R$2.87, outpacing net income growth due to R$3.0 billion in share buybacks.
The credit portfolio reached R$2.8 billion, a 134.9% increase year-over-year, with a focus on working capital solutions for MSMBs.
Banking active client base grew 20.8% year-over-year to 3.7 million, with retail deposits increasing 27.4% to R$11.1 billion.
The company announced a leadership transition with CFO Mateus Scherer succeeding Pedro Zinner as CEO following the Q4 results.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
StoneCo enters 2026 focused on executing its strategic roadmap with heightened financial discipline and prioritizing high-quality growth.
Positive Outlook
- Completion of Linx divestment providing R$3.0 billion in capital and increased focus.
- Convergence toward a single app and unified technology stack to lower costs.
- Successful integration of AI in customer support and engineering to improve productivity.
- Strong net cash position of R$2.6 billion for future opportunities.
- Expansion of credit products using proprietary transaction data for better underwriting.
Challenges Ahead
- Moderating TPV growth due to macroeconomic headwinds.
- Higher provisions for credit losses as the portfolio accelerates.
- Increased cost of services as a percentage of revenues.
- Pressure on floating revenues from the use of client deposits as funding.
Revenue & Expenses
Visualization of income flow from segment revenue to net income
Historical Earnings Impact
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Avg. Return Before/After Earnings
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