In the last three months, 4 analysts have published ratings on StoneCo (NASDAQ:STNE), offering a diverse range of perspectives from bullish to bearish.

The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months.

	Bullish	Somewhat Bullish	Indifferent	Somewhat Bearish	Bearish
Total Ratings	4	0	0	0	0
Last 30D	1	0	0	0	0
1M Ago	1	0	0	0	0
2M Ago	2	0	0	0	0
3M Ago	0	0	0	0	0

Analysts have set 12-month price targets for StoneCo, revealing an average target of $20.62, a high estimate of $22.00, and a low estimate of $19.00. This current average has decreased by 3.33% from the previous average price target of $21.33.

Breaking Down Analyst Ratings: A Detailed Examination

An in-depth analysis of recent analyst actions unveils how financial experts perceive StoneCo. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.

Analyst	Analyst Firm	Action Taken	Rating	Current Price Target	Prior Price Target
Andrew Harte	BTIG	Maintains	Buy	$22.00	$22.00
Andrew Harte	BTIG	Announces	Buy	$22.00	-
Tito Labarta	Goldman Sachs	Lowers	Buy	$19.00	$22.00
Kaio Prato	UBS	Lowers	Buy	$19.50	$20.00

Key Insights:

• Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to StoneCo. This information offers a snapshot of how analysts perceive the current state of the company.
• Rating: Offering a comprehensive view, analysts assess stocks qualitatively, spanning from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of StoneCo compared to the broader market.
• Price Targets: Gaining insights, analysts provide estimates for the future value of StoneCo's stock. This comparison reveals trends in analysts' expectations over time.

Considering these analyst evaluations in conjunction with other financial indicators can offer a comprehensive understanding of StoneCo's market position. Stay informed and make well-informed decisions with our Ratings Table.

Stay up to date on StoneCo analyst ratings.

Unveiling the Story Behind StoneCo

StoneCo Ltd is a provider of financial technology solutions. It serves MSMBs solutions, at fair prices, and provides the customer experience to help them manage their businesses and sell more. Its Stone Business Model combines 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 segment, which includes payments solutions, digital banking, credit, insurance solutions as well as the registry business. In the Software segment solution includes POS/ERP, TEF and QR Code gateways, reconciliation, CRM, OMS, e-commerce platform, engagement tool, ads solution, and marketplace hub. It generates the majority of its revenue from the Financial Services segment.

StoneCo: Financial Performance Dissected

Market Capitalization Analysis: The company's market capitalization is below the industry average, suggesting that it is relatively smaller compared to peers. This could be due to various factors, including perceived growth potential or operational scale.

Revenue Growth: Over the 3M period, StoneCo showcased positive performance, achieving a revenue growth rate of 15.99% as of 30 September, 2025. This reflects a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.

Net Margin: The company's net margin is a standout performer, exceeding industry averages. With an impressive net margin of 20.82%, the company showcases strong profitability and effective cost control.

Return on Equity (ROE): The company's ROE is below industry benchmarks, signaling potential difficulties in efficiently using equity capital. With an ROE of 6.06%, the company may need to address challenges in generating satisfactory returns for shareholders.

Return on Assets (ROA): StoneCo's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of 1.24%, the company may encounter challenges in delivering satisfactory returns from its assets.

Debt Management: With a below-average debt-to-equity ratio of 1.38, StoneCo adopts a prudent financial strategy, indicating a balanced approach to debt management.

Analyst Ratings: Simplified

Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.

In addition to their assessments, some analysts extend their insights by offering predictions for key metrics such as earnings, revenue, and growth estimates. This supplementary information provides further guidance for traders. It is crucial to recognize that, despite their specialization, analysts are human and can only provide forecasts based on their beliefs.

This article was generated by Benzinga's automated content engine and reviewed by an editor.