Q3: 2025-11-06 Earnings Abstract
EPS of $0.47 beats by $0.03
| Income of $666.61M (14.30% Y/Y) misses by $13.41M
StoneCo Ltd. (STNE) Q3 2025 Earnings Name November 6, 2025 5:00 PM EST
Firm Individuals
Pedro Zinner – Chief Government Officer
Lia de Matos – Chief Technique & Advertising Officer
Mateus Schwening – CFO & Investor Relations Officer
Convention Name Individuals
Kaio Penso Da Prato – UBS Funding Financial institution, Analysis Division
Guilherme Grespan – JPMorgan Chase & Co, Analysis Division
Eduardo Rosman – Banco BTG Pactual S.A., Analysis Division
Antonio Gregorin Ruette – BofA Securities, Analysis Division
Marcelo Mizrahi – Banco Bradesco BBI S.A., Analysis Division
Daniel Vaz – J. Safra Corretora de Valores e Cambio Ltda, Analysis Division
Renato Meloni – Bernstein Autonomous LLP
Neha Agarwala – HSBC International Funding Analysis
Gustavo Schroden – Citigroup Inc., Analysis Division
Daer Labarta – Goldman Sachs Group, Inc., Analysis Division
Pedro Leduc – Itaú Corretora de Valores S.A., Analysis Division
Presentation
Operator
Good night, everybody. Thanks for standing by. Welcome to StoneCo’s Third Quarter 2025 Earnings Convention Name. By now, everybody ought to have entry to our earnings launch. The corporate additionally posted a presentation to go together with its name. All materials might be discovered on-line at traders.stone.co. Earlier than we start the decision, I counsel you to overview the disclaimer included within the press launch and presentation, which outlines vital details about forward-looking statements and non-IFRS monetary measures. As well as, most of the dangers concerning the enterprise are disclosed within the firm’s Kind 20-F filed with the Securities and Trade Fee, which is accessible at www.sec.gov. [Operator Instructions] Becoming a member of the decision at the moment is Stone’s CEO, Pedro Zinner; the CFO and IRO, Mateus Scherer; the Technique and Advertising Officer, Lia Matos; and the Head of IR, Roberta Noronha.
I might now like to show the convention over to your host, Pedro Zinner. Please proceed.
Pedro Zinner
Chief Government Officer
Thanks, operator, and good night, everybody. I might like to start out with a short replace on our