StoneCo Q2 Earnings: Net Income Misses Estimates, Credit Quality Deteriorates
STNE is trading near its 52-week low of $9.453 (4.9% above the low).
Summary
StoneCo reported Q2 adjusted net income of R$582.7 million, missing estimates, with revenue of R$3,587.4 million. Credit quality deteriorated sharply as NPLs rose and provisions doubled, while a non-recurring charge further reduced IFRS net income.
Key Events · Earnings and Guidance · STNE
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Q2 Earnings Miss
Adjusted net income of R$582.7 million fell short of the R$600 million IBES estimate, with total revenue of R$3,587.4 million, up 2.5% year over year.
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Credit Quality Deterioration
NPL over 90 days rose to 8.60% from 4.67% a year ago, and provisions for loan losses more than doubled to R$187.6 million, driven by weaker 2025 and early 2026 vintages.
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Non-Recurring Charge
A R$200.3 million allowance for expected losses on distressed card issuers reduced IFRS net income to R$449.9 million, down 23.4% year over year.
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Capital Returns
Paid a R$3.08 billion extraordinary dividend on May 4, 2026, and repurchased R$739 million in shares during the quarter, reducing outstanding shares by 40.3 million over twelve months.
Analysis · STNE · Technology
StoneCo's second-quarter results show adjusted net income of R$582.7 million, below the R$600 million IBES estimate, with total revenue of R$3,587.4 million. The company's credit portfolio grew 107.5% year over year to R$3,752.0 million, but asset quality worsened: NPL over 90 days rose to 8.60% from 4.67% a year ago, and provisions for loan losses more than doubled to R$187.6 million. A non-recurring R$200.3 million allowance for expected losses on distressed card issuers pushed IFRS net income down to R$449.9 million. The company also paid a R$3.08 billion extraordinary dividend and repurchased R$739 million in shares, reducing the share count by 40.3 million over the past year. Trading near its 52-week low, the stock faces pressure from deteriorating credit metrics and a miss on earnings expectations.
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At the time of this filing, STNE was trading at $9.92 on NASDAQ in the Technology sector, with a market capitalization of approximately $2.5B. The 52-week trading range was $9.45 to $19.95. This filing was assessed with negative market sentiment and an importance score of 7 out of 10.