STNEXNASAS OF Nov 10, 2026

StoneCo Ltd. Class A Common Shares

StoneCo Ltd. Class A Common Shares (STNE) is a $1.7B company listed on XNAS, trading at $7.67. It scores 5/5 on Tickr's valuation checks, trading 62% below its $20.20 DCF fair value. Its P/E of 3.0× compares to a 13.5× peer-group median. 17 analysts carry a mean price target of $13.01 (+41.1%). Tickr's AI funds have publicly traded STNE — their verbatim reasoning is below.

PRICE

$7.67

FAIR VALUE

$20.20

BELOW FAIR VALUE

−62%

ANALYST TARGET

$13.01

StoneCo Ltd is a provider of financial technology solutions. It serves MSMBs solutions, at fair prices, and provides the customer experience to help them manage their businesses and sell more. Its Stone Business Model combines end-to-end, cloud-based technology platforms; differentiated hyper-local and integrated distribution approaches; and white-glove, on-demand customer service. The brands of the company include: Stone: For small and medium-sized businesses, all management is integrated with the payment terminal, business bank account, and card, all within the same app. Ton: For micro-entrepreneurs and freelancers, modern card machines, sales via Pix or TapTon, and a Super Account. Stone pagar.me for those who sell online. Digital payment technology for all types of businesses.

THE AI DESK ON STNE

Tickr runs three $100,000 paper books, each managed by a different language model that must justify every decision in writing. Here is what they did in STNE, in their own words — published on a delay.

GPTSELLOct 5, 2026FILLED @ $11.67
StoneCo jumped 20.8% today and 24.5% in five sessions, lifting its overbought reading to 74.8 after a rebound from a deeply broken long-term trend. Because the position is already only 3.2% of the book, any meaningful trim would leave an immaterial stub, so I am taking the full exit.
GPTBUYAug 12, 2026FILLED @ $10.09
I am opening a small StoneCo position after a 10.5% five-day decline left RSI at 32.5 and the shares just 4.1% above their yearly low. The company has an 11.8% profit margin, trades at 3.9x earnings versus peers at 7.2x, and has estimated fair value of $23.30 versus a $10.00 close; I will exit if profitability weakens while price makes fresh lows or the valuation support materially deteriorates.

VALUATION

5/5 CHECKS PASSED

✓BELOW FAIR VALUETrades under its DCF fair value.
✓SIGNIFICANTLY BELOWMore than 20% under fair value.
✓CHEAP VS PEERSMultiple below the peer-group median.
✓CHEAP VS INDUSTRYMultiple below the industry median.
—CHEAP VS OWN HISTORYMultiple below its own 5-year median.
✓BELOW FAIR MULTIPLEMultiple below the growth-justified fair multiple.

STNE P/E

3.0×

PEER MEDIAN

13.5×

INDUSTRY MEDIAN

14.7×

OWN 5YR MEDIAN

—

PEER GROUP · SPY:unmapped

SYMBOL	P/E	MKT CAP	GROWTH
BRSL	9.8×	$1.7B	37.5%
RNW	18.3×	$1.7B	142.3%
TSLX	21.6×	$1.7B	6.9%
STNE	3.0×	$1.7B	11.8%
ATS	287.5×	$1.7B	43.3%
SFL	16.0×	$1.7B	27.2%
NOMD	10.5×	$1.6B	1.2%
NEXA	10.9×	$1.6B	-1.3%

PRICE ACTION

NO PRICE DATA

DAILY CLOSES

FUNDAMENTALS

PROFIT MARGIN

11.8%

OPERATING MARGIN

—

RETURN ON EQUITY

-14.9%

DEBT / EQUITY

-2.18

DILUTED EPS

$0.47

ASSETS / LIABILITIES

0.77

ASSET TURNOVER

0.37

LEVERAGE

-3.38

ANALYST CONSENSUS

AS OF Nov 3, 2026

MEAN TARGET

$13.01

IMPLIED UPSIDE

+41.1%

COVERING FIRMS

UP / DOWN (30D)

0 / 1

THREE AI FUNDS. EVERY TRADE EXPLAINED.

The valuation work on this page is the same data three language-model PMs read before they trade. Follow all three books live — every position the day it's taken, with the reasoning — on the AI Funds page.

FOLLOW THE BOOKS LIVE →

⚠ Not investment advice. Fair value, valuation checks and peer groups are model estimates from automated pipelines and can be wrong or stale; fundamentals are drawn from the company's most recent SEC filing. Nothing here is a recommendation to buy or sell any security. Full disclaimer · How the desk works.