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Stoneco Ltd. (STNE): Modelo de negócios Canvas [Jan-2025 Atualizado] |
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StoneCo Ltd. (STNE) Bundle
No cenário dinâmico da tecnologia financeira brasileira, a Stoneco Ltd. (STNE) surge como uma força transformadora, revolucionando como pequenas e médias empresas navegam em pagamentos digitais e serviços financeiros. Ao criar um modelo de negócios inovador que combina perfeitamente com a tecnologia de ponta com parcerias estratégicas, a Stoneco se posicionou como uma plataforma que muda o jogo que capacita empreendedores e empresas em toda a economia digital em rápida evolução do Brasil. Essa exploração do modelo de negócios da Stoneco, Canvas, revela a intrincada mecânica por trás de sua abordagem disruptiva de soluções financeiras, oferecendo informações sobre como estão remodelando a interseção de tecnologia, finanças e inovação de negócios.
Stoneco Ltd. (STNE) - Modelo de negócios: Parcerias -chave
Parcerias estratégicas com bancos brasileiros e instituições financeiras
A Stoneco estabeleceu parcerias importantes com as principais instituições financeiras brasileiras:
| Banco Parceiro | Detalhes da parceria | Ano estabelecido |
|---|---|---|
| Banco Bradesco | Processamento de pagamento e integração de serviços financeiros | 2018 |
| Itaú Unibanco | Soluções de pagamento digital | 2019 |
| Banco do Brasil | Serviços de aquisição de comerciantes | 2017 |
Colaboração com processadores de pagamento e provedores de tecnologia
A Stoneco faz parceria com várias empresas de tecnologia e processamento de pagamentos:
- VISA - Integração da rede de pagamento global
- MasterCard - Processamento de cartão de crédito e débito
- Global Payments Inc. - Suporte à Infraestrutura Tecnológica
Integração com plataformas de comércio eletrônico e mercados digitais
| Plataforma | Tipo de integração | Alcance do mercado |
|---|---|---|
| Magento | Integração de gateway de pagamento | PMEs brasileiros |
| Vtex | Soluções de Comércio Omnichannel | Grandes comerciantes de varejo |
Alianças com fabricantes de hardware no ponto de venda (POS)
- Grupo Ingenico - Fabricação de Terminais POS
- Tecnologia PAX - Desenvolvimento de dispositivos de pagamento móvel
- Sistemas Verifona - Soluções de hardware de pagamento
Relacionamento com investidores internacionais de tecnologia financeira
| Investidor | Valor do investimento | Ano |
|---|---|---|
| Grupo Softbank | US $ 250 milhões | 2019 |
| Goldman Sachs | US $ 150 milhões | 2018 |
Stoneco Ltd. (STNE) - Modelo de negócios: Atividades -chave
Desenvolvimento de soluções de tecnologia financeira para pequenas e médias empresas
A Stoneco processa 1,9 bilhão de transações em 2022, com um volume total de pagamento de R $ 279,5 bilhões. A empresa suporta mais de 900.000 comerciantes ativos em todo o Brasil.
| Investimento em tecnologia | Quantia |
|---|---|
| Despesas de P&D 2022 | R $ 325,7 milhões |
| Tamanho da equipe de desenvolvimento de software | Aproximadamente 700 engenheiros |
Fornecendo serviços de processamento de pagamento
A Stoneco oferece soluções de pagamento abrangentes com vários canais de transação.
- Transações terminais de ponto de venda (POS)
- Processamento de pagamento on -line
- Soluções de pagamento móvel
- Pagamentos de código QR
| Métricas de processamento de pagamento | 2022 Performance |
|---|---|
| Volume total de pagamento | R $ 279,5 bilhões |
| Número de transações | 1,9 bilhão |
Criação de ferramentas bancárias digitais e de gerenciamento financeiro
A Stoneco lançou o Stone Bank em 2021, fornecendo serviços bancários digitais.
- Abertura da conta digital
- Soluções de crédito
- Ferramentas de gerenciamento financeiro de negócios
Oferecendo soluções de crédito e capital de giro
O portfólio de crédito da Stoneco atingiu R $ 4,4 bilhões em 2022.
| Produto de crédito | Volume total 2022 |
|---|---|
| Empréstimos de capital de giro | R $ 2,1 bilhões |
| Avanço em dinheiro do comerciante | R $ 1,8 bilhão |
Inovação contínua em plataformas de tecnologia financeira
A Stoneco investiu R $ 325,7 milhões em pesquisa e desenvolvimento em 2022.
- Integração de inteligência artificial
- Algoritmos de aprendizado de máquina
- Tecnologias avançadas de avaliação de risco
Stoneco Ltd. (STNE) - Modelo de negócios: Recursos -chave
Infraestrutura tecnológica avançada e equipes de desenvolvimento de software
No quarto trimestre 2023, a Stoneco empregou 1.187 profissionais de tecnologia em suas equipes de desenvolvimento de software. A empresa investiu US $ 82,3 milhões em infraestrutura e pesquisa e pesquisa em tecnologia no ano fiscal de 2023.
| Categoria de investimento em tecnologia | Quantidade (USD) |
|---|---|
| Despesas de P&D | US $ 52,6 milhões |
| Desenvolvimento de infraestrutura | US $ 29,7 milhões |
Tecnologia de processamento de pagamento proprietário
A plataforma de processamento de pagamento proprietário da Stoneco suporta vários tipos de transações com os seguintes recursos:
- Volume anual de transações: 1,9 bilhão de transações
- Velocidade de processamento: 500 milissegundos por transação
- Suporte para 12 métodos de pagamento diferentes
Extensos recursos de análise de dados
| Métricas de análise de dados | Quantidade |
|---|---|
| Capacidade de processamento de dados | 2,5 petabytes por mês |
| Modelos de aprendizado de máquina | 47 modelos preditivos ativos |
Forte rede de parcerias financeiras e tecnológicas
Stoneco mantém parcerias estratégicas com:
- 26 instituições financeiras
- 18 provedores de serviços de tecnologia
- Parcerias cobrindo 95% do ecossistema de comerciante brasileiro
Gerenciamento qualificado e talento de engenharia
Liderança e composição de talentos a partir de 2023:
| Categoria de pessoal | Número |
|---|---|
| Total de funcionários | 2,345 |
| Titulares de graduação avançados | 612 |
| Especialistas em tecnologia | 1,187 |
Stoneco Ltd. (STNE) - Modelo de negócios: proposições de valor
Soluções de pagamento digital simplificadas para empresas brasileiras
A Stoneco processou R $ 206,2 bilhões em volume total de pagamento no terceiro trimestre de 2023. A empresa suporta mais de 1,5 milhão de comerciantes ativos em todo o Brasil.
| Solução de pagamento | Volume de transação | Penetração de mercado |
|---|---|---|
| Ponto de venda (POS) | R $ 132,4 bilhões | 68% do volume total de pagamento |
| Pagamentos online | R $ 73,8 bilhões | 32% do volume total de pagamento |
Serviços financeiros de baixo custo para pequenas e médias empresas
A Stoneco oferece serviços financeiros com estruturas de preços competitivos para PME.
- Taxa média de transação: 2,3% em comparação com a média da indústria de 3,5%
- Sem taxas mensais de manutenção para contas básicas
- Zero custo de configuração inicial para comerciantes
Plataforma de gerenciamento financeiro integrado
A plataforma serve 1,8 milhão de pequenas e médias empresas com ferramentas financeiras abrangentes.
| Recurso da plataforma | Adoção do usuário |
|---|---|
| Gerenciamento de fluxo de caixa | 87% dos comerciantes registrados |
| Rastreamento de despesas | 72% dos comerciantes registrados |
Opções de crédito rápido e acessível
O portfólio de crédito da Stoneco atingiu R $ 4,2 bilhões no terceiro trimestre de 2023, com um tamanho médio de empréstimo de R $ 35.000 para PME.
- Tempo médio de aprovação do empréstimo: 24 horas
- Taxa de aprovação de crédito: 62% para comerciantes qualificados
Soluções tecnológicas inovadoras para comércio digital
A Stoneco investiu R $ 278 milhões em desenvolvimento de tecnologia em 2023.
| Segmento de tecnologia | Investimento | Foco principal |
|---|---|---|
| Inteligência artificial | R $ 89 milhões | Detecção de fraude e gerenciamento de riscos |
| Soluções de pagamento móvel | R $ 112 milhões | Recursos aprimorados da carteira digital |
Stoneco Ltd. (STNE) - Modelo de negócios: Relacionamentos do cliente
Plataformas digitais de autoatendimento
O Stoneco oferece plataformas digitais com as seguintes especificações:
| Recurso da plataforma | Métrica |
|---|---|
| Usuários de aplicativos móveis | 3,2 milhões de usuários ativos (Q4 2023) |
| Volume de transação digital | US $ 14,2 bilhões processados em 2023 |
| Mercante on -line tempo de integração | Menos de 24 horas |
Suporte personalizado ao cliente
Os canais de suporte ao cliente incluem:
- 24/7 de atendimento ao cliente multilíngue
- Tempo médio de resposta: 12 minutos
- Canais de suporte: telefone, e -mail, whatsapp, bate -papo ao vivo
Gerenciamento de conta dedicado para clientes corporativos
| Segmento corporativo | Detalhes |
|---|---|
| Clientes corporativos serviram | Mais de 500 grandes contas corporativas |
| Valor médio da conta | US $ 1,5 milhão anualmente |
| Gerentes de conta dedicados | 87 profissionais especializados |
Engajamento orientado à comunidade
Métricas de engajamento digital:
- Seguidores de mídia social: 425.000
- Participantes mensais do webinar: 3.200
- Membros online da plataforma da comunidade: 68.000
Melhoria contínua do produto
| Métrica de Desenvolvimento de Produtos | Valor |
|---|---|
| Investimento anual de P&D | US $ 42,3 milhões |
| Atualizações do produto por ano | 37 Principais lançamentos de recursos |
| Taxa de incorporação de feedback do usuário | 68% das sugestões implementadas |
Stoneco Ltd. (STNE) - Modelo de negócios: canais
Aplicativo móvel
O aplicativo móvel da Stoneco atende 1,4 milhão de usuários mensais ativos a partir do terceiro trimestre de 2023. O aplicativo processa aproximadamente 42,3 milhões de transações por mês com um volume total de pagamento de R $ 20,9 bilhões em 2023.
| Métrica de aplicativo móvel | 2023 dados |
|---|---|
| Usuários ativos mensais | 1,4 milhão |
| Transações mensais | 42,3 milhões |
| Volume total de pagamento | R $ 20,9 bilhões |
Plataforma baseada na Web
A plataforma web da Stoneco suporta mais de 1,2 milhão de pequenas e médias empresas (PMEs) com soluções de pagamento digital. A plataforma processou R $ 178,9 bilhões em volume total de pagamento em 2023.
Representantes de vendas físicas
O Stoneco mantém uma força de vendas direta de 1.837 representantes de vendas dedicados a partir do quarto trimestre de 2023. Esses representantes cobrem várias regiões em todo o Brasil, com foco na aquisição e suporte do comerciante.
Redes de bancos parceiros
Stoneco colabora com 7 principais parceiros bancários brasileiros, incluindo:
- Banco do Brasil
- Itaú Unibanco
- Bradesco
- Santander Brasil
| Métricas de rede de parceiros | 2023 dados |
|---|---|
| Total de parceiros bancários | 7 |
| Total de bancos integrados | 4 grandes bancos |
| Alcance da rede de parceiros | 85% do mercado brasileiro |
Canais de marketing digital e aquisição on -line
A Stoneco investiu R $ 127,3 milhões em marketing digital em 2023, gerando 386.000 novas aquisições de comerciantes por meio de canais on -line. As taxas de conversão de marketing digital atingiram 3,7% nas mídias sociais e nas plataformas de pesquisa.
| Métrica de marketing digital | 2023 dados |
|---|---|
| Investimento de marketing digital | R $ 127,3 milhões |
| Novas aquisições de comerciantes | 386,000 |
| Taxa de conversão | 3.7% |
Stoneco Ltd. (STNE) - Modelo de negócios: segmentos de clientes
Pequenas e médias empresas no Brasil
A partir do terceiro trimestre de 2023, o Stoneco atende aproximadamente 815.000 pequenas e médias empresas (PME) no Brasil. O potencial total de mercado para PME no Brasil é estimado em 17,3 milhões de empresas.
| Característica do segmento | Dados quantitativos |
|---|---|
| PMEs totais servidos | 815,000 |
| Tamanho do mercado de PME brasileiro | 17,3 milhões de negócios |
| Receita anual média por cliente SME | R $ 360.000 |
Empresários digitais
A Stoneco tem como alvo empreendedores digitais com soluções financeiras e de pagamento especializado.
- Empreendedores digitais servidos: 230.000
- Volume médio de transação mensal: R $ 45.000
- Porcentagem de negócios digitais: 38%
Negócios de comércio eletrônico
O segmento de comércio eletrônico da Stoneco mostrou um crescimento significativo nos últimos anos.
| Métricas de comércio eletrônico | 2023 dados |
|---|---|
| Clientes totais de comércio eletrônico | 175,000 |
| Volume total de transação de comércio eletrônico | R $ 42 bilhões |
| Transações mensais médias por cliente | 1,200 |
Comerciantes de varejo
Os comerciantes de varejo representam um segmento de cliente principal para as soluções de pagamento da Stoneco.
- Total de clientes comerciais de varejo: 520.000
- Porcentagem de transações de ponto de venda (POS): 62%
- Volume médio de pagamento mensal: R $ 75.000
Profissionais independentes e freelancers
A Stoneco fornece serviços financeiros especializados para profissionais independentes.
| Métricas do segmento freelancer | Dados quantitativos |
|---|---|
| Total de profissionais independentes servidos | 190,000 |
| Valor médio mensal da transação | R $ 22.000 |
| Porcentagem de adoção de pagamento digital | 47% |
Stoneco Ltd. (STNE) - Modelo de negócios: estrutura de custos
Manutenção de infraestrutura de tecnologia
Em 2023, a Stoneco relatou custos de manutenção de infraestrutura tecnológica de US $ 87,4 milhões. As despesas com computação em nuvem e data center da empresa representaram aproximadamente 12,5% de suas despesas operacionais totais.
| Categoria de custo | Despesa anual ($) | Porcentagem de custos totais |
|---|---|---|
| Infraestrutura em nuvem | 42,3 milhões | 6.1% |
| Manutenção do data center | 45,1 milhões | 6.4% |
Investimentos de pesquisa e desenvolvimento
A Stoneco alocou US $ 124,6 milhões aos investimentos em P&D em 2023, representando 6,8% de sua receita total.
- Desenvolvimento de software: US $ 68,2 milhões
- Inovação em tecnologia de pagamento: US $ 39,5 milhões
- Aprimoramentos de segurança cibernética: US $ 16,9 milhões
Despesas de vendas e marketing
As despesas de vendas e marketing totalizaram US $ 156,3 milhões em 2023, representando 8,5% da receita da empresa.
| Canal de marketing | Gasto anual ($) | Porcentagem de orçamento de marketing |
|---|---|---|
| Marketing digital | 72,4 milhões | 46.3% |
| Vendas diretas | 53,9 milhões | 34.5% |
| Marketing de eventos | 30,0 milhões | 19.2% |
Custos de aquisição de clientes
O custo médio de aquisição de clientes (CAC) para a Stoneco foi de US $ 78 em 2023, com uma despesa total de aquisição de US $ 94,2 milhões.
- Novo Mercante Interior: US $ 52,6 milhões
- Recrutamento de clientes digitais: US $ 41,6 milhões
Despesas operacionais e relacionadas à conformidade
Os custos operacionais e de conformidade totalizaram US $ 112,5 milhões em 2023, representando 6,2% do total de despesas operacionais.
| Área de conformidade | Despesa anual ($) | Porcentagem do orçamento de conformidade |
|---|---|---|
| Conformidade regulatória | 48,3 milhões | 42.9% |
| Gerenciamento de riscos | 35,7 milhões | 31.7% |
| Serviços Jurídicos | 28,5 milhões | 25.4% |
Stoneco Ltd. (STNE) - Modelo de negócios: fluxos de receita
Taxas de processamento de transações
A partir do terceiro trimestre de 2023, a Stoneco registrou receita de processamento de transações de US $ 270,4 milhões. A taxa média de transação varia entre 1,99% e 2,39% para serviços comerciais.
| Fonte de receita | Valor (Q3 2023) | Porcentagem da receita total |
|---|---|---|
| Taxas de processamento de transações | US $ 270,4 milhões | 42.3% |
Modelos de assinatura de software como serviço (SaaS)
A plataforma SaaS da Stoneco gerou US $ 87,6 milhões em receita de assinatura durante o terceiro trimestre de 2023, representando 13,7% da receita total.
- As taxas mensais de assinatura variam de US $ 29 a US $ 299
- As assinaturas de nível corporativo podem exceder US $ 500 por mês
Juros de crédito e empréstimo
A receita total de crédito e juros dos empréstimos atingiu US $ 132,5 milhões no terceiro trimestre de 2023, representando 20,7% da receita total.
| Produto de empréstimo | Receita de juros | Taxa de juros média |
|---|---|---|
| Empréstimos para pequenas empresas | US $ 78,3 milhões | 15.6% |
| Avanços em dinheiro do comerciante | US $ 54,2 milhões | 22.4% |
Serviços de gateway de pagamento
Os serviços de gateway de pagamento geraram US $ 65,2 milhões em receita durante o terceiro trimestre de 2023, representando 10,2% da receita total.
- Taxa média de transação de gateway: 0,75%
- Total de transações processadas: 452 milhões
Ofertas de produtos financeiros de valor agregado
Produtos financeiros adicionais contribuíram com US $ 83,1 milhões em receita para o terceiro trimestre de 2023, representando 13% da receita total.
| Categoria de produto | Receita | Taxa de crescimento |
|---|---|---|
| Produtos de seguro | US $ 32,5 milhões | 18.3% |
| Serviços de investimento | US $ 50,6 milhões | 22.7% |
StoneCo Ltd. (STNE) - Canvas Business Model: Value Propositions
You're looking at StoneCo Ltd. (STNE) and trying to map out exactly what they are offering the Micro, Small, and Medium Businesses (MSMBs) they serve as of late 2025. It's all about simplification and integration, honestly.
Simplified, integrated payment and financial solutions for MSMBs.
StoneCo Ltd. delivers a unified platform that bundles payments with banking and credit, moving beyond just transaction processing. The scale of their payments operation in the third quarter of 2025 saw the MSMB Total Payment Volume (TPV) hit R$ 126 billion. This volume was supported by an active client base that reached 4.7 million clients in that same quarter. The company's strategic focus on profitability over raw volume is evident in metrics like the gross profit-to-TPV ratio, which stood at 1.23% in the first quarter of 2025. For the trailing twelve months ending November 2025, the Gross Margin was a strong 75.91%.
Digital banking and credit access for underserved businesses.
The value proposition extends deep into financial services, helping businesses manage cash flow and access capital. Client deposits in the third quarter of 2025 totaled R$ 9 billion. The credit portfolio expansion is a key feature; it reached R$ 1.4 billion as of the first quarter of 2025. This credit offering is data-driven, leveraging transaction history to assess risk for businesses that might not qualify elsewhere. The active banking client base grew to 3.3 million clients in the second quarter of 2025.
High-engagement ecosystem: 38% of MSNB clients are heavy users.
The success of the integrated model is measured by how many solutions clients adopt. The percentage of MSMB clients classified as heavy users-meaning they leverage more than 3 of the solutions StoneCo Ltd. offers-was consistently reported at 38% across Q1, Q2, and Q3 of 2025. This metric shows a significant deepening of the relationship, up sharply from 26% a year prior in Q1 2024. This cross-selling success is central to their strategy.
Fast payment settlement and competitive pricing.
The shift to instant payments is a major driver of volume and engagement, even as it pressures traditional fee structures. PIX QR code volumes in the third quarter of 2025 grew 49% year-over-year, while traditional card volumes grew at a slower 6% in the same period. In the first quarter of 2025, PIX transaction volumes had surged 95% year-over-year. The company's 2025 financial outlook includes guidance for adjusted gross profit growth of 14% and adjusted EPS growth of 18% year-over-year.
Here's a quick look at some of the key operational metrics supporting these value propositions:
| Metric | Value (Latest Reported 2025 Data) | Period/Context |
| Active MSMB Client Base | 4.7 million | Q3 2025 |
| MSMB TPV | R$ 126 billion | Q3 2025 |
| Heavy User Percentage | 38% | Q1, Q2, and Q3 2025 |
| Credit Portfolio Size | R$ 1.4 billion | Q1 2025 |
| Client Deposits | R$ 9 billion | Q3 2025 |
| PIX Volume Growth (YoY) | 49% | Q3 2025 |
The company defintely showed strong financial results, with Q3 2025 GAAP EPS hitting $0.48, leading management to raise full-year 2025 adjusted basic EPS guidance to more than $1.74. Also, the Consolidated Return on Equity expanded to 24% in Q3 2025.
StoneCo Ltd. (STNE) - Canvas Business Model: Customer Relationships
You're looking at how StoneCo Ltd. keeps its millions of merchants engaged and spending more with them. The relationship strategy hinges on a dual approach: boots-on-the-ground sales support and increasingly sophisticated digital tools.
Dedicated sales and service through the Stone Agent model
StoneCo Ltd. relies on its network of Stone Agents for direct, dedicated sales and service, especially for Micro, Small, and Medium Businesses (MSMBs) in Brazil. While the exact number of agents isn't public for late 2025, the scale of the client base they serve is clear. StoneCo Ltd.'s total MSMB active client base reached 4.7 million clients as of the third quarter of 2025, a 17% year-over-year increase. This network is crucial for onboarding and supporting merchants who might prefer in-person assistance over purely digital channels. The company distributes its solutions principally through proprietary and franchised Stone Hubs, which are physical manifestations of this agent-led service model.
Digital self-service via proprietary banking app
The shift to digital is evident in the growth of StoneCo Ltd.'s banking services. The active client base specifically utilizing the banking operation grew by 22% year-over-year to reach 3.5 million clients in Q3 2025. This growth strongly suggests high adoption of their proprietary banking app for self-service needs, even if the specific number of app-only users isn't itemized. The success of this digital channel is further supported by the fact that client deposits grew 32% year-over-year to reach BRL 9 billion in the same period. The average daily deposit base, a key indicator of daily engagement, saw an even stronger increase of 40% year-over-year in Q3 2025. That's a massive increase in digital financial activity.
Cross-selling of banking and credit to increase monetization
The core of StoneCo Ltd.'s strategy is deepening monetization by moving clients from pure payment processing to a full suite of financial products. This cross-selling effort is working, as seen in the engagement metrics. As of Q3 2025, 38% of the total active client base were classified as heavy users, meaning they leverage more than 3 of the solutions StoneCo Ltd. offers. The credit portfolio is a major monetization lever. While the Q1 2025 credit portfolio stood at R$1.4 billion, the overall strategy is clearly driving revenue mix toward higher-margin financial income. The growth in banking deposits, up 32% year-over-year, is a direct result of successfully bundling these services.
Building a stickier product through ecosystem expansion
Stickiness is measured by how many solutions a client uses, and the heavy user metric is the clearest data point here. The 38% of active clients using over 3 solutions in Q3 2025 shows that the ecosystem expansion-which includes software tools like ERP and CRM-is successfully locking in merchants. The Software segment revenue grew 11% year-over-year in Q1 2025, driven by an increase in the Software active client base. This integration of payments, banking, and software creates high switching costs for the merchant. The company is also signaling confidence in its long-term value by repurchasing nearly 7.8 million shares for R$652.56 million since May 2025, which aligns with strengthened capital returns.
Here is a summary of the key client-related metrics from the latest reporting period:
| Metric | Value (Q3 2025 unless noted) | Change/Context |
| Total MSMB Active Clients | 4.7 million | +17% Year-over-Year Growth |
| Active Banking Clients | 3.5 million | +22% Year-over-Year Growth |
| Heavy Users (Leveraging >3 Solutions) | 38% of Active Clients | Indicates Product Stickiness |
| Total Client Deposits | BRL 9 billion | +32% Year-over-Year Growth |
| Average Daily Deposit Base Growth | +40% Year-over-Year | Indicates Increased Digital Engagement |
| MSMB Total Payment Volume (TPV) | BRL 126 billion | +11% Year-over-Year Growth |
| Credit Portfolio Size | R$1.4 billion | As of Q1 2025, showing expansion |
The focus on driving clients to use more than one service is central to the relationship strategy. You can see the direct result in the engagement levels:
- 38% of clients are heavy users.
- Banking active clients grew 22% YoY.
- Client deposits grew 32% YoY.
- Software segment revenue grew 11% YoY (Q1 2025).
Finance: draft 13-week cash view by Friday.
StoneCo Ltd. (STNE) - Canvas Business Model: Channels
You're looking at how StoneCo Ltd. gets its products and services into the hands of merchants as of late 2025. It's a multi-pronged approach touching physical stores, digital platforms, and direct sales efforts.
Point-of-Sale (POS) terminals for in-store payments
The physical in-store channel remains central, evidenced by the Total Payment Volume (TPV) generated. StoneCo Ltd. reported a Total TPV of R$140.2 billion in the third quarter of 2025, which was an increase of 8.8% compared with the third quarter of 2024. The Micro and Small- and Medium Business (MSMB) segment, which heavily relies on POS terminals, drove R$126.4 billion of that TPV, marking a 10.9% year-over-year increase. Furthermore, the integration of new payment methods directly impacts the utility of these terminals; for instance, Pix transactions showed an impressive growth of +95% year-over-year in the context of the first quarter of 2025, largely through POS systems. The gross profit-to-TPV ratio for the first quarter of 2025 increased 5 basis points to 1.23%, showing better monetization across these payment channels.
Proprietary digital banking application
The digital banking application acts as a key retention and cross-selling tool. As of early 2025 reporting, the banking active client base had climbed by 46% to reach 3.1 million users. This digital engagement supports a growing financial ecosystem; demand deposits reached R$6.7 billion in one reported period, representing a 50% increase compared to the previous year. More recently, deposit balances were noted as growing by +36% year-over-year, signaling deeper client wallet share capture through the digital platform. The company is actively shifting its deposit mix, moving R$6.3 billion out of a total of R$8.3 billion in retail deposits into on-platform time deposits during the first quarter of 2025.
E-commerce and online payment gateway integrations
StoneCo Ltd. distributes solutions across online and mobile channels, supporting e-commerce. The company provides e-commerce tools as part of its Software segment. While specific TPV for e-commerce is often bundled, the overall MSMB TPV growth of 10.9% year-over-year in Q3 2025 reflects strength across all merchant types, including digital ones. The Financial Services segment, which includes online payment solutions, saw its revenues grow a robust 20% year-over-year in the first quarter of 2025, outpacing the Software segment's 11% growth rate for the same period. This channel supports the company's focus on integrated commerce.
Direct sales force (Stone Agents) for client acquisition
Client acquisition is heavily supported by a direct, localized distribution network. StoneCo Ltd. distributes solutions principally through proprietary and franchised Stone Hubs, which offer hyper-local sales and services, alongside a dedicated sales team targeting brick-and-mortar and digital merchants. The total active client base reached 4.7 million in the third quarter of 2025, an increase of 17.6% year-over-year, driven by this direct engagement and cross-selling efforts. The MSMB active client base specifically grew by approximately 17% year-over-year to reach ~4.58 million in Q3 2025, showing the direct sales force's effectiveness in capturing the core market.
Here is a quick look at the scale of the client base and transaction volume across these channels as of the third quarter of 2025.
| Channel Metric | Value (Q3 2025) | Year-over-Year Change |
| Total Active Clients | 4.7 million | +17.6% |
| MSMB Active Clients | ~4.58 million | +17% |
| Total Payment Volume (TPV) | R$140.2 billion | +8.8% |
| MSMB TPV | R$126.4 billion | +10.9% |
| Banking Active Clients | 3.1 million | Reported as of early 2025 context |
The credit portfolio, which is distributed through these same channels, expanded by 25% sequentially to BRL 1.8 billion in the second quarter of 2025, further demonstrating the reach of the integrated offering.
StoneCo Ltd. (STNE) - Canvas Business Model: Customer Segments
You're looking at the core client base of StoneCo Ltd. as of late 2025, which is heavily concentrated in the Brazilian market, focusing on merchant services and expanding financial offerings.
The primary focus remains the Micro, Small, and Medium Businesses (MSMBs) in Brazil. This segment drives the bulk of the payment volume. For the third quarter of 2025, the MSMB Total Payment Volume (TPV) was reported at R$126.4 billion, showing a year-over-year increase of 10.9%. The active client base within the payments business for MSMBs reached 4.7 million in Q3 2025, marking a 17.2% increase compared to the prior year. This indicates strong acquisition and retention within the core merchant base.
StoneCo Ltd. also serves Large retail merchants and integrated partners, though their volume contribution appears to be decelerating relative to the MSMB segment. In Q3 2025, the Large Accounts TPV actually showed a 7.5% decrease year-over-year. The total consolidated payments active client base for StoneCo Ltd. stood at 4.7 million clients in Q3 2025, with a total TPV of R$140.2 billion, up 8.8% year-over-year.
The growth in financial services is evident through the expansion of active banking clients. As of Q3 2025, this specific group totaled 3.5 million, representing a 22% year-over-year increase. This banking segment is crucial as it drives deposits, which reached R$9 billion in the quarter, up 32% year-over-year.
Here's a quick comparison of the key volume and client metrics for the two merchant types in Q3 2025:
| Metric | MSMBs | Large Accounts |
| TPV (R$ Billion) | R$126.4 billion | Implied: R$13.8 billion (Total R$140.2B - R$126.4B) |
| TPV Year-over-Year Change | +10.9% | -7.5% |
| Active Payment Clients | 4.7 million (Payments Active Client base) | Included in Total 4.7 million |
Engagement within the MSMB segment is deepening, which is a key indicator of value capture beyond simple payment processing. You can see this in the adoption of bundled services:
- 38% of MSMB Active Payment Clients were classified as heavy users in Q3 2025.
- Heavy users leverage more than three of the solutions StoneCo Ltd. offers.
- Client deposits grew 32% year-over-year, reaching R$9 billion.
- The average daily deposit base increased 40% year-over-year.
Finance: draft 13-week cash view by Friday.
StoneCo Ltd. (STNE) - Canvas Business Model: Cost Structure
You're looking at the expense side of StoneCo Ltd.'s operations as of late 2025. It's a mix of funding costs tied to the local economy, spending on physical assets, and the necessary overhead to run a fintech platform. Honestly, the Brazilian CDI rate is the big variable you need to watch here.
Financial expenses, heavily influenced by the Brazilian CDI rate.
The cost of funding is a major lever for StoneCo Ltd., directly tied to the Brazilian Interbank Deposit Certificate (CDI) rate. For instance, in the second quarter of 2025, financial expenses jumped by 29% year-over-year, which translated to a 210 basis points increase as a percentage of revenues. This was mostly because the average CDI rate was higher than in the prior year period. To fight this, StoneCo Ltd. actively managed its funding structure. In the first quarter of 2025, they executed a cash sweep plan, moving R$6.3 billion out of the total R$8.3 billion in retail deposits into on-platform time deposits. This move is designed to secure lower-cost funding sources and mitigate the impact of high interest rates. Still, even with these efforts, higher financial expenses partially offset adjusted gross profit growth in the third quarter of 2025.
Cost of equipment (POS terminals) and logistics.
While specific line items for POS terminal procurement and logistics aren't broken out in the latest reports, capital expenditure (Capex) gives us a view into infrastructure investment. For the third quarter of 2025, StoneCo Ltd.'s reported Capex was R$29.1 million. This spending supports the physical footprint needed to service their growing merchant base. The company's strategy relies on an integrated distribution approach, which requires ongoing investment in hardware and the associated movement of those assets.
Technology development and platform maintenance costs.
Specific figures for Research & Development (R&D) or technology platform maintenance for the full fiscal year 2025 aren't explicitly detailed in the most recent filings, though the company is clearly technology-forward. For the third quarter of 2025, the reported R&D expense line item is not specified with a value, showing a dash in the available data. This suggests that technology costs are either embedded within Cost of Services or SG&A, or that the focus has shifted post-divestiture to core platform efficiency rather than large, separate R&D reporting.
Selling, General, and Administrative (SG&A) expenses.
SG&A is a significant component, covering the costs to acquire and support the client base. You can see the breakdown of these costs from the third quarter of 2025 data. The company is focused on operating leverage here; for example, selling expenses in the second quarter of 2025 increased 17% year-over-year but actually decreased 40 basis points relative to revenues, showing marketing spend is becoming more efficient. Here's a quick look at the Q3 2025 components, which make up the bulk of SG&A:
| Cost Component | Amount (R$mn) | Reporting Period |
| General & Administrative (G&A) | 143.0 | Q3 2025 |
| Selling & Marketing (S&M) | 99.1 | Q3 2025 |
| Capital Expenditure (Capex) | 29.1 | Q3 2025 |
The overall operating expenses for the last fully reported fiscal year, 2024, totaled $1.96 billion. StoneCo Ltd. is definitely managing these overheads while pushing for growth in its active client base, which reached 4.7 million clients in Q3 2025.
- Financial expenses are sensitive to the prevailing CDI rate.
- Selling expenses showed improved leverage in Q2 2025.
- G&A for Q3 2025 was R$143.0 million.
- S&M for Q3 2025 was R$99.1 million.
- The company is actively managing funding costs via deposit conversion.
Finance: draft 13-week cash view by Friday.
StoneCo Ltd. (STNE) - Canvas Business Model: Revenue Streams
You're looking at StoneCo Ltd.'s revenue streams as of late 2025, and the story is one of deliberate focus on high-margin financial services following a strategic pivot. The company defintely reported total revenue and income from continuing operations of R$3,566.8 million in the third quarter of 2025, which was a 16.5% year-over-year increase. This top-line performance is supported by strong operational efficiency, with the Adjusted Gross Profit from continuing operations reaching R$1,604.9 million in 3Q25.
Here's a quick look at the core metrics underpinning the revenue generation in Q3 2025:
| Metric | Value (3Q25) | Context |
|---|---|---|
| Total Revenue and Income (R$mn) | 3,566.8 | From continuing operations |
| Total Payment Volume (TPV) (R$bn) | 140.2 | Up 8.8% year-over-year |
| MSMB TPV (R$bn) | 126.4 | Drove the TPV increase |
| Total Active Clients (Millions) | 4.7 | Grew 3.1% quarter over quarter |
| Client Deposits (R$bn) | Over R$9 | Supports credit portfolio growth |
| Adjusted Gross Profit Margin (%) | 45.0% | From continuing operations |
Transaction fees (MDR) from payment processing (TPV) remain the foundational element of StoneCo Ltd.'s revenue. This is directly tied to the Total Payment Volume (TPV) processed across its network. In Q3 2025, the total TPV hit R$140.2 billion. The company's strategy has been to prioritize client monetization, meaning they are earning more per transaction, even as the overall TPV growth slowed to about 8% year-over-year. The Micro and Small- and Medium Business (MSMB) segment, the core focus, saw its TPV increase by 10.9% year-over-year to R$126.4 billion.
Interest and fees from the credit portfolio are an increasingly important component, reflecting the shift to an integrated financial platform. The growth in client deposits, which exceeded R$9 billion in Q3 2025, provides the necessary funding base for this lending activity. Management noted that the credit portfolio is expected to play a more significant role in the profit and loss statements moving into 2026. This revenue stream is bolstered by strategic repricing initiatives across the platform.
Subscription fees for software and digital banking services contribute, but the focus has narrowed significantly. StoneCo Ltd. has strategically divested a large portion of its software business, specifically divesting roughly 79% of its 2024 software revenue as of July 22, 2025. This action allows the company to concentrate resources on the higher-margin Financial Services segment. The digital banking aspect, however, is integrated with the Financial Services segment, driving client stickiness and cross-selling opportunities.
The quality of this revenue is reflected in the profitability metrics:
- Adjusted Net Income from continuing operations was R$641.5 million in 3Q25.
- Adjusted Net Margin from continuing operations stood at 18.0% in 3Q25.
- Consolidated Return on Equity (ROE) expanded by 8 percentage points to 24% in 3Q25.
- The active client base for MSMBs grew by 17% year-over-year.
StoneCo Ltd. deployed R$465.2 million in share buybacks during Q3 2025 alone, showing confidence in its cash generation from these revenue streams.
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