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StoneCo Ltd. operates in the Information Technology sector, within the IT Services industry.
Founded in 2012 in Brazil, the company has established itself as one of the leading providers of digital payment solutions and financial services for micro, small, and medium-sized enterprises (MSMEs).
The creation of StoneCo was driven by the need to deliver innovative, accessible payment solutions, competing with major acquirers and traditional banks. With a customer-centric approach and advanced technology, the company quickly gained market share in Brazil’s fast-growing digital payments landscape.
Its product portfolio includes point-of-sale (POS) terminals, digital accounts, credit services, receivables prepayment, and integrated financial management solutions.
Additionally, StoneCo invests in the development of retail and business automation software, aiming to provide a comprehensive ecosystem for merchants and entrepreneurs.
The company’s operations are primarily domestic, with a nationwide presence across Brazil.
Operating in a highly competitive financial technology (fintech) sector, StoneCo differentiates itself through customer service excellence, data-driven intelligence, and continuous innovation. The firm also focuses on reducing operational costs and improving service efficiency, key factors in increasing customer retention.
With 7,239 employees, its operational structure includes customer support centers, regional sales teams, and digital platforms. The company’s growth strategy centers on digitalization and the expansion of financial services beyond traditional payment processing.
History and Founding – StoneCo Ltd.
Founded in 2012 in Brazil, StoneCo Ltd. was created with the mission to modernize the payments market, offering an innovative alternative to traditional acquirers. The company emerged amid a period of digital transformation, as electronic payment adoption accelerated rapidly across the country.
In its early years, StoneCo faced the challenge of entering a market dominated by large banks and established card operators. Its differentiation came from a personalized customer service model and a robust technology platform, providing merchants with greater autonomy and operational efficiency.
Expansion began through the diversification of services, including digital accounts, credit offerings, and integrated financial solutions. One of its key growth strategies involved acquiring technology companies to enhance and broaden its service portfolio.
The company’s initial public offering (IPO) took place in 2018 on the Nasdaq, raising approximately US$ 1.2 billion, making StoneCo one of the first Brazilian fintechs to go public in the United States.
Between 2020 and 2024, the company underwent a period of strategic realignment, emphasizing operational efficiency, cost reduction, and the expansion of financial services. Its business model — grounded in technology, risk analysis, and personalized service — continues to evolve through product innovation and data intelligence.
In recent years, StoneCo has expanded its ecosystem through strategic acquisitions and partnerships, strengthening its presence in Brazil’s digital financial market and reinforcing its position as a leading technology-driven financial solutions provider.
Additional Information
The Company StoneCo Ltd. (United States), is listed on Nasdaq with a market value of $ 4.11 Billions, having an equity of $ 2.20 Billions.
With a total of 7.239 employees, the company is listed in the sector of Information Technology and categorized in industry of IT Services.
In the last 12 months the Company had a revenue of $ 2.40 Billions, which generated a profit in the amount of $ -149.04 Millions.
As for its main indicators, the Company has a P/E ratio of -27.58, a P/BV ratio of 1.87 and in the last 12 months the Company did not pay dividends.
The Company is traded internationally through the ticker STNE.
