Should I buy StoneCo stock in 2025?

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At HelloSafe, our specialist has been closely monitoring the performance of StoneCo for over three years. Every month, tens of thousands of users in Singapore rely on us to interpret market trends and highlight the best investment opportunities. Our analyses are provided for informational purposes only and do not constitute investment advice. In line with our ethical charter, we have never been, and never will be, compensated by StoneCo.

What is StoneCo?

How much is StoneCo stock?

The price of StoneCo stock is rising this week. As of now, STNE is trading at $13.65, reflecting a 1.16% drop over the past 24 hours but a 23.19% gain across the week, with a market capitalisation of $3.75 billion.

The stock’s beta is 2.01, indicating significantly higher volatility than the market average. Investors in Singapore should note that while StoneCo’s recent momentum is strong, its high volatility makes it best suited for those willing to embrace risk for potential growth.

Our full analysis on StoneCo stock

We have thoroughly reviewed StoneCo’s latest quarterly financials and traced its share price evolution over the past three years, leveraging robust proprietary algorithms that synthesize financial ratios, market momentum, competitor metrics, and technical signals. This holistic approach reveals a dynamic interplay of fundamentals and sentiment, situating StoneCo at a pivotal moment within the fintech landscape. So, why might StoneCo stock once again represent an intriguing entry point into high-growth financial technology as we approach 2025?

Recent Performance and Market Context

StoneCo Ltd. has delivered a period of dynamic performance that clearly sets the stage for renewed interest. After reaching a 2025 high of $13.96 on NASDAQ, StoneCo’s current share price of $13.65 reflects a remarkable +23.19% gain over the last week and an impressive +20.8% over the past six months, even as the one-year return remains negative at -18.26%. This recent surge was catalyzed by the Q1 2025 results, where the company not only exceeded analyst expectations but also signaled acceleration in growth drivers.

Positive events underpinning this trajectory include:

• Q1 2025 revenue rising 19% year-over-year—well above the previously guided 14% growth, ultimately reflecting both strong business execution and favorable demand trends.
• Substantial share repurchases: StoneCo executed R$843 million in buybacks during Q1 2025, reducing share count by 15.1 million. A new R$2 billion repurchase plan supports both EPS accretion and market confidence.
• Strategic positioning for capital reallocation: The exclusivity agreement for the sale of its software arm, Linx, to industry player TOTVS signals a commitment to streamlining operations and focusing capital where returns are highest.

Importantly, the broader macro context for Brazilian fintech in 2025 is highly supportive. While elevated local interest rates (Brazil CDI >10%) remain a pressure point, StoneCo’s resilient revenue expansion and its increasing client base (MSMB payments customers up 17% YoY) signal the company's ability to outmaneuver cyclical headwinds. The migration to digital payments—especially through the central bank’s PIX system—underscores a secular growth theme that continues to gain traction in both emerging and developed markets, including among Singapore’s own tech-savvy investor community.

In sum, StoneCo’s operational momentum, combined with the sector’s rising tide, appears to have launched the company into a new market phase favoring bullish positioning.

Technical Analysis: Bullish Structure and Momentum

StoneCo’s technical setup currently exudes confidence—a pattern increasingly hard to ignore among growth-oriented investors. As of May 2025, multiple key indicators are clearly pointing toward a potential new bullish cycle.

Key signals include:

• Relative Strength Index (RSI 14) at 65.86: This level indicates robust buying interest while not yet signaling a full overbought condition, suggesting additional upside could be sustained without an immediate correction.
• MACD (12,26,9) at 0.70: With the MACD in clear bullish territory and above its signal line, positive momentum is reinforced.
• Moving Average Convergence: StoneCo’s share price is trading decisively above the 20-day ($12.97), 50-day ($11.35), 100-day ($10.08), and 200-day ($10.85) moving averages, each of which now provide strong support levels. This “golden cross” environment (where short-term averages are above long-term) has historically preceded sustained upward moves.

Furthermore, support is consistently found at $13.22, $13.07, and $12.80, while the next resistance bands at $13.96, $14.27, and $14.85 are all within realistic near-term reach. Technical traders often regard these formations as ideal footholds for entry before the next major wave.

Short- and medium-term momentum stand out as particularly constructive:

• The price remains well above technical lows, suggesting a solid base has already formed.
• Persistent bullish signals across multiple timeframes reinforce the view that StoneCo may be entering a new phase of upward revaluation.

For Singapore’s sophisticated retail and institutional investors, these technical underpinnings help justify strong attention at current levels.

Fundamental Analysis: Growth Engines and Valuation Merit

Underpinning StoneCo’s technical rally is a notably resilient and diversified business model. The most recent financials provide a multi-faceted case for sustained growth and renewed confidence.

Key highlights:

• Revenue growth and profitability: Q1 2025 revenue reached R$3.67 billion (~$730 million), up 19% YoY; adjusted net income increased by 23.1%, and EPS rose 36% YoY—both handily outpacing consensus.
• Strategic expansion: Not only is the company retaining market share, it is actively growing it: the MSMB active client base expanded by 17%. New credit and digital banking offerings are gaining serious traction, especially among larger SMBs—a move that balances yield and risk while cementing customer loyalty.
• Product ecosystem and innovation: StoneCo continues to invest in a holistic suite that bundles payment processing with digital banking and software, creating high “stickiness” and long-term value extraction. This integration increasingly differentiates StoneCo from competitors like Mercado Pago and Fiserv.

While the P/E ratio is technically inapplicable (due to negative trailing earnings after prior periods of COVID-era volatility), the company’s 15% adjusted net margin, positive earnings trajectory, and analysts’ consensus price target of $15.30 (implying 12.7% upside from current levels) collectively point to an attractive risk-reward balance.

Significant structural strengths deserve noting:

• Brand leadership in Brazil’s MSMB fintech segment
• Emphasis on customer service and platform usability
• Agility in pricing strategy: Successfully managing margin headwinds posed by higher interest expenses, StoneCo has proven adept at repricing and allocating capital efficiently.

Across key valuation ratios—especially on a price/sales (P/S) basis, currently below 2x—StoneCo aligns well with premium growth companies in the global fintech cohort, yet still trades at a discount on forward-looking metrics. This offers a margin of safety that’s appealing for value-aware investors.

Volume and Liquidity: Signals of Institutional Confidence

Recent trading volumes further reinforce the foundation for a bullish view. Averaging 6.93 million shares daily over three months, StoneCo’s liquidity profile easily accommodates dynamic institutional and retail flows, promoting efficient price discovery and mitigating extreme drawdown risk.

• Sustained trading volume is often interpreted as a sign of deep market confidence, particularly when paired with relentless quarterly buybacks.
• Share float reduction (through recent repurchases) enhances per-share earnings, supporting a more favorable supply-demand balance and potentially amplifying any valuation re-rating.

The current float and volume dynamics thus appear well-calibrated to support both consistent long-term investment and tactical short-term strategies.

Catalysts and Positive Outlook

Perhaps most exciting are the imminent and prospective catalysts that could propel StoneCo into its next growth phase.

Key forward-looking drivers:

• M&A flexibility from potential Linx sale: With cash inflow from a divestiture, management could accelerate investment in core fintech/banking solutions or further reward shareholders.
• Innovation in credit and digital banking: New working capital and micro-credit products open higher-margin avenues and expand the total addressable market. Early signs of traction are encouraging, particularly given the focus on differentiated risk models.
• Growth in PIX and instant payments adoption: As Brazil’s regulatory and consumption environment shifts further towards seamless digital transactions—echoing trends in Singapore—StoneCo is well-positioned as a main infrastructural player.
• ESG initiatives: StoneCo’s ongoing efforts towards greater financial inclusion for MSMBs align with global responsible investing themes and enhance the appeal to both international and domestic capital pools.

The sector backdrop remains extremely favorable: digital transformation, supportive regulation, and increased digital literacy combine to foster above-trend fintech growth well beyond national borders.

Investment Strategies: Timeliness for Short, Medium, and Long-Term Horizons

StoneCo’s multi-layered strengths present compelling reasons for consideration across several investor profiles and timeframes:

• Short-term: The technical uptrend, alignment above all major moving averages, and strong volume surges have historically facilitated quick upside for tactical traders, especially ahead of anticipated news flow (e.g., the Linx deal closing or quarterly results).
• Medium-term: The ongoing buyback program, expanding MSMB client base, and forward EPS/revenue momentum support a disciplined accumulation strategy for investors seeking both capital appreciation and improving fundamentals.
• Long-term: StoneCo’s robust market share, comprehensive platform, and proven management signal the potential for durable compounding as the Latin American fintech market rapidly matures.

Positioning at or near current technical support levels could be prudent, with an eye on upcoming catalysts—meaning the present valuation seems to afford a balanced entry point, whether for strategic builds or incremental portfolio additions.

Is it the Right Time to Buy StoneCo?

Distilling the above, several key factors underscore the renewed attractiveness of StoneCo at current levels:

• Strong revenue/EPS growth, margin resilience, and a disciplined client acquisition strategy
• Positive technical structure, above all key supports and moving averages, with volume dynamics suggesting renewed institutional focus
• Significant near-term catalysts (including potential divestitures, product launches, and regulatory tailwinds)
• Attractive valuation relative to peers and forward growth prospects—even with recent price gains taken into account

In our expert view, StoneCo’s fundamentals justify renewed attention. The stock appears to be entering a bullish phase, with a clear convergence of technical momentum, valuation merit, and fundamental catalysts that may set the stage for further upside. For Singapore-based investors seeking global fintech growth exposure—amid a dynamic EM backdrop and robust digital transformation trends—StoneCo now seems to represent an opportunity worthy of serious consideration.

With conviction anchored in robust financials, improving sentiment, and visible catalysts, StoneCo stands prominently positioned for those building for tomorrow’s financial infrastructure. The coming months may well prove pivotal—inviting investors to engage with a story that is both deeply resilient and rich in upside potential.

How to buy StoneCo stock in Singapore?

Buying StoneCo (STNE) stock online from Singapore is straightforward and secure when you use a regulated broker. Investors typically select between two main methods: buying spot shares for long-term holding, or trading Contracts for Difference (CFDs) to benefit from short-term price fluctuations. Online trading platforms cater to both approaches, each with distinct risk and reward profiles. Whether you’re aiming for ownership or tactical trading, regulation ensures safety and fair dealing. If you’re looking to compare available brokers and find the best fit for your goals, you’ll find a detailed broker comparison further down this page.

Cash buying

A cash purchase means directly buying StoneCo shares on the stock market (NASDAQ), making you a legal shareholder. In Singapore, reputable brokers allow you to invest in U.S.-listed stocks easily. Fees typically include a fixed commission per order, which is often between S$5 to S$10 per trade, depending on your broker.

Important information

For example, if the StoneCo share price is US$13.65 (about S$18.50), with a S$1,000 investment (roughly US$740), you could buy around 54 shares, accounting for a typical S$5 brokerage fee.
Gain scenario:
If the share price rises by 10%, your 54 shares would be worth about S$1,100, up from your original S$1,000 investment (excluding fees and FX).
Result: +S$100 gross gain, or +10% on your cash investment.

Trading via CFD

Trading StoneCo stock via a Contract for Difference (CFD) lets you speculate on price movements without actually owning the shares. Singaporean brokers regulated by the MAS frequently offer CFDs with flexible leverage. Instead of a fixed commission, you pay a “spread” (the difference between buy/sell prices) and an overnight financing cost if you hold positions beyond one day.

Important information

Example:
With a S$1,000 margin and 5x leverage, your market exposure becomes S$5,000.
Gain scenario:
If StoneCo rises by 8%, your position gains 8% × 5 = 40%.
Result: +S$400 gain on your S$1,000 margin (excluding spread and overnight charges). Remember, higher leverage also means higher risk, and losses can exceed your deposit.

Final advice

Always review and compare each broker’s fees, FX charges, and platform features before trading. The best choice depends on your objectives: long-term investors may prefer cash buying, while active traders sometimes favour CFDs for leverage and flexibility. To make an informed decision, consult the comprehensive broker comparison further down the page, then choose the approach that aligns with your risk profile and financial goals.

Our 7 tips for buying StoneCo stock

The latest news about StoneCo

StoneCo shares jump 23% this week on strong Q1 results and bullish momentum. The stock outperformed significantly over the past seven days, rising more than 23%, following its first-quarter earnings release that exceeded both revenue and profit expectations. The company registered 19% year-on-year revenue growth and adjusted net income up 23.1%, with key metrics outpacing analyst projections and its own guidance, pointing to renewed investor confidence and robust operating momentum. For Singapore-based analysts and market participants, this sharp appreciation—coupled with technical signals such as a golden cross and the price holding above all major moving averages—underscores international recognition of StoneCo’s execution, and may enhance regional appetite for high-growth fintech names listed on U.S. exchanges.

StoneCo launches R$2 billion new share repurchase authorisation, highlighting capital return commitment. Management announced a significant buyback authorisation, allowing the repurchase of up to 2 billion reais worth of stock, in the wake of Q1’s R$843 million buyback. This move demonstrates the company’s proactive capital allocation and shareholder-oriented policy—factors which are increasingly prioritised by institutional investors in Singapore. In the context of U.S.-listed emerging market stocks, such programmes can support price stability and serve as a positive signal of StoneCo’s confidence in its medium-term valuation.

Potential strategic sale of Linx division could drive fresh capital and future organic growth. StoneCo recently entered into an exclusivity agreement with TOTVS to negotiate the sale of its Linx software business, with the transaction, if successful, potentially providing a sizeable cash inflow. Singapore analysts monitoring cross-border M&A in fintech will note that reinvestment of proceeds into StoneCo’s core payments, credit, and banking areas could accelerate growth, strengthen the balance sheet, or fund further buybacks, all of which could buoy investor sentiment regarding StoneCo shares and similar regional plays.

Accelerating MSMB payments client base and digital banking expansion fuel underlying business growth. The company continues to diversify beyond traditional payment processing, with its MSMB payments active client base growing 17% year-on-year and ongoing momentum in business banking product adoption and credit offerings. The focus on sticky, integrated digital financial services—models that have found resonance with Southeast Asian fintechs—makes StoneCo’s strategy particularly relevant for Singapore’s tech-forward investment community, which prizes scalable platforms with embedded financial services.

Technical and analyst signals remain broadly supportive of ongoing upside for StoneCo’s shares. Analysts currently suggest a consensus price target nearly 13% above present levels, and technical indicators (notably, RSI approaching overbought but not extreme, bullish MACD, and the stock’s price action well above all short- and long-term moving averages) reinforce prospects for continued strength. For Singapore investors seeking exposure to global fintech leaders with positive momentum, StoneCo’s recent technical profile and upward analyst revisions suggest further tailwinds, even as volatility remains pronounced given its high beta and emerging market exposure.

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P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.