Should I buy StoneCo stock in 2025? (Ireland Edition)

What is StoneCo?

What is the price of the StoneCo stock?

The price of StoneCo stock is rising this week. As of now, the stock is trading at $13.40, reflecting a 0.45% increase in the last 24 hours and a week-on-week gain of 3.80%. StoneCo’s market capitalisation stands at $3.64 billion, with an average three-month trading volume of 6.19 million shares. The current P/E ratio is not available due to recent negative earnings; no dividend is paid, and the stock’s beta is 2.01, indicating higher price volatility than the overall market. Investors in Ireland should note that while the stock has shown strong short-term momentum, its high beta suggests pronounced swings, offering both opportunity and risk.

Our full analysis of StoneCo stock

Having thoroughly reviewed StoneCo’s latest financial results alongside its share-price evolution over the past three years, our proprietary algorithms have synthesised financial metrics, technical signals, sector data, and peer analysis to generate a comprehensive outlook. StoneCo’s resurgence, marked by surging revenue growth and a pronounced uptrend in both business fundamentals and market sentiment, has brought the stock firmly back onto the radar of investors seeking international technology exposure. So, what makes StoneCo potentially a strategic re-entry point into the burgeoning fintech ecosystem as we approach 2025?

Recent Performance and Market Context

StoneCo (NASDAQ: STNE) has delivered an impressive recovery and outperformance across 2025, positioning itself at the heart of Latin American fintech’s compelling growth. The stock currently trades at $13.40, having appreciated a striking 68.1% year-to-date—a marked reversal after a challenging 2024 and a modest -3.4% return over the past twelve months. Over the last six months alone, StoneCo outpaced most tech sector benchmarks with a 41.4% gain, underpinned by both strong results and macro tailwinds.

Key drivers of this surge include the robust Q1 2025 earnings, where revenue jumped 19% year-over-year and adjusted net income soared by 23.1%. The company handily beat both top- and bottom-line estimates, fuelling renewed institutional interest. In parallel, the strategic decision to initiate a share repurchase program of up to R$2 billion (announced in late 2024) signalled confidence from management and reinforced a positive sentiment cycle.

Broadly, StoneCo benefits from sector-wide tailwinds including accelerating digital payment adoption in Brazil—one of the world’s fastest-growing e-commerce marketplaces. The global capital shift toward emerging markets, amid moderating inflation and improving GDP outlooks for Brazil, further amplifies StoneCo’s position as a vehicle for tapping secular fintech growth in a favourable macroeconomic context.

Technical Analysis

Technically, StoneCo appears to be in the early stages of a new bullish phase. Momentum readings are robust, supported by multiple buy signals across key indicators:

• RSI (14 days) is neutral at 53.98, sustainable and not extended, indicating room for further upward movement without imminent risk of overbought conditions.
• MACD at 0.22 shows a fresh buy signal, corroborated by the price decisively breaking above its long-term 200-day moving average—historically a strong bullish inflection for StoneCo.
• The stock is comfortably above short-, medium-, and long-term trending averages:
• 20-day EMA: $13.30
• 50-day EMA: $12.49
• 100-day EMA: $11.65
• 200-day SMA: $10.89

All these suggest an established upward structure, with the technical consensus from 22 indicators (14 bullish, 6 neutral, 2 bearish) coalescing around a “Strong Buy” configuration.

Current support at $13.42 has proven resilient, while the next resistance zone lies at $13.69. Further upside breakouts are increasingly plausible given the positive technical momentum and recent surge in trading volumes.

Fundamental Analysis

StoneCo’s core fundamentals now appear in a markedly stronger position, aligning neatly with the bullish technical narrative. Recent quarterly performance underscores robust top-line and profitability growth:

• Q1 2025 revenue of R$3.67 billion (+19% YoY)
• Adjusted net income of R$554.4 million, a 23.1% YoY increase
• EPS of $0.35, outperforming consensus by $0.02

Trailing-twelve-month revenue stands at $2.31 billion, with ever-improving operating leverage driven by the company’s focus on serving Brazil’s large and underpenetrated SME segment. While trailing GAAP net income remains negative, forward-looking profitability is rapidly improving—analysts project a sharply positive inflection, reflected in StoneCo's low forward P/E of 8.14 and price/sales ratio of just 1.68. This places StoneCo at a notable discount relative to industry peers with similar growth and digital infrastructure characteristics.

Key structural strengths are evident:

• Market dominance in one of Latin America’s top fintech markets
• A comprehensive, cloud-enabled platform encompassing digital payments, banking, and credit
• Market share gains and record-breaking acceleration in client base (+17% YoY in Q1 2025)
• Scalable infrastructure enabling margin expansion as volumes increase

StoneCo’s proprietary and franchised Stone Hubs ensure dense distribution and customer proximity, while the technology-led model provides high switching costs and entrenched relationships across its SME clientele.

Volume and Liquidity

StoneCo’s volume profile is a further affirmation of market conviction. The stock is consistently liquid, averaging 6.19 million shares in daily turnover—well above the sector median. Recent days have seen volumes as high as 4.78 million, reflecting active institutional accumulation and strong investor engagement with each catalyst.

With over 271.5 million shares outstanding, a mid-sized float, and sustained levels of market activity, there is ample room for further price discovery. This liquidity dynamic is key for Irish and international investors seeking flexible entry and exit points in rapidly evolving markets.

Catalysts and Positive Outlook

A number of high-impact positive catalysts are on the horizon, each reinforcing the narrative of StoneCo as a pure-play on Brazil’s digital transformation:

• Potential divestiture of the Linx software unit to Totvs, freeing up capital and sharpening the group’s focus on core payments and banking innovation. This may unlock near-term value both strategically and for cashflow.
• Ongoing share buyback programme, which tends to support share price stability and reduce effective supply.
• Continued acceleration in digital payment usage across small and medium-sized businesses, a segment central to Brazil’s post-pandemic economic recovery.
• Policy tailwinds in Latin America supporting open banking, lower transaction costs, and greater financial inclusion.
• Global investor appetite for emerging markets, driven by diversification needs and robust local GDP growth projections.

Beyond the balance sheet, StoneCo has ramped up investments in ESG and financial inclusion initiatives—positioning itself as a leader in responsible fintech as well as an enabler of economic growth in underserved regions.

Investment Strategies

For active investors and strategic allocators, StoneCo’s current setup is particularly attractive across multiple time horizons:

• Short-term: Momentum traders will note the breakout above major moving averages, positive MACD crossover, and steady RSI readings as indications of a possible further leg to the upside, especially if the stock breaches the $13.69 resistance level on high volume.
• Medium-term: With the Linx transaction pending, and as the buyback program continues to underpin the float, the next two quarters could offer a “sweet spot” to participate in both operational upgrades and revaluation events.
• Long-term: For holders seeking secular fintech exposure and emerging market growth, StoneCo sits at a strategic entry level. The company’s penetration into Brazil’s high-growth SME segment, strong brand, and robust innovation pipeline provide the foundation for durable market share gains in the coming years.

Ideal positioning is found near the current technical support ($13.42), with the prospect of layering into positions on further retracements or ahead of confirmed announcements regarding strategic divestitures and next earnings releases.

Is it the Right Time to Buy StoneCo?

Drawing together all the analytical threads—accelerating revenue and earnings growth, compelling valuation multiples, powerful technical structure, and a slew of imminent positive catalysts—the case for renewed interest in StoneCo appears exceptionally well-founded. The company’s resilient business model, commitment to innovation, and leadership in Brazil’s dynamic fintech arena stand out, matched by a macro backdrop that increasingly favours emerging market digital plays.

StoneCo’s combination of tangible operational momentum, discount to consensus price targets (with 16%+ potential upside), and a market-beating YTD performance suggests the stock may be entering a new bullish phase. For Irish and European investors seeking direct access to Brazil’s digital revolution with the risk-management benefits of a highly liquid, USD-listed vehicle, StoneCo’s fundamentals and technicals justify serious consideration at current levels.

In sum, StoneCo presents itself as an outstanding opportunity for investors who prioritise growth, discipline, and exposure to transformational technology trends. The company’s profile, positive trajectory, and multi-layered catalysts position it for continued outperformance as we advance through 2025—making it a compelling candidate for all well-constructed, forward-thinking portfolios.

How to buy StoneCo stock in Ireland?

Buying StoneCo stock online is both simple and secure for investors in Ireland, thanks to the wide availability of regulated and trustworthy online brokers. You have two main options: you can buy StoneCo shares outright (“spot” or “cash” purchase), or you can trade contracts for difference (CFDs) that mirror the price movements of StoneCo stock. Each method provides unique advantages—owning real shares or using leverage with CFDs—so understanding the differences is key. To help you choose the best platform for your goals, you’ll find a detailed broker comparison further down the page.

Spot buying

A cash purchase of StoneCo stock means you’re buying physical shares, making you an actual shareholder of the company. This is the most straightforward way to invest, with brokers typically charging a fixed commission per trade (often between €3 and €7, depending on the platform).

Informations importantes

For example, with StoneCo trading at $13.40 (approximately €12.40), a $1,000 investment would allow you to buy about 74 shares (excluding small exchange rate effects), with a typical brokerage fee of around $5. Gain scenario: If the share price rises by 10% to $14.74, your shares are now worth $1,100. Result: That’s a $100 gross gain, or +10% on your investment (before fees and taxes).

Trading via CFD

CFD trading on StoneCo shares involves speculating on the price movement without actually owning the underlying shares. This can be done using leverage, which multiplies both potential gains and losses. Brokers typically charge a spread (the difference between buy and sell prices) and, if you hold positions overnight, a small daily financing fee.

Informations importantes

For example, if you want to trade StoneCo with a $1,000 stake and use 5x leverage, you’ll control $5,000 worth of exposure to the share price. Gain scenario: If StoneCo shares rise by 8%, your position’s value increases by 8% × 5 = 40%. Result: That’s a $400 gross gain on your $1,000 margin (excluding fees and overnight costs).

Final advice

Whether you choose to buy StoneCo shares outright or trade through CFDs, it’s essential to carefully compare brokers’ fees, product offerings, and regulatory protections. The ideal approach depends on your investment goals: buy-and-hold investors often prefer real shares, while active traders may favour CFDs for their flexibility and access to leverage. For a clear side-by-side overview of the top platforms available in Ireland, be sure to check the broker comparison further down the page before making your decision.

Our 7 tips for buying StoneCo stock

The latest news about StoneCo

StoneCo posted a 3.8% gain over the past week, outperforming the broader fintech segment. This strong weekly performance continued StoneCo’s robust year-to-date rally of +68.13%, with shares closing at $13.40 on NASDAQ and a day’s range peaking at $13.71. For investors in Ireland seeking exposure to fast-growing emerging market fintech, the company’s bounce off recent lows and movement toward its 52-week high offers an attractive momentum opportunity, especially as StoneCo’s USD-denominated shares can be efficiently accessed via most Irish brokerage platforms without currency conversion friction.

Analyst consensus remains bullish, with an average price target of $15.63 implying a further 16.6% upside. Eight prominent analysts currently assign StoneCo a “Buy” rating, reflecting strong confidence in the company’s growth trajectory and profitability improvements. The firm’s forward price-to-earnings ratio stands at 8.14, markedly lower than regional peers, and analyst discussions highlight StoneCo’s high scalability, positive operating leverage, and sustained volume growth as key drivers. This optimism, coupled with StoneCo’s Cayman Islands incorporation, may offer an added layer of tax efficiency for Irish institutional and private investors when compared to local Brazilian shares.

Q1 2025 results outperformed consensus, with net income up 23.1% and key metrics beating expectations. StoneCo reported revenue of R$3.67 billion (+19% YoY) and adjusted net income of R$554.4 million (+23.1% YoY), topping Wall Street’s revenue and earnings forecasts. The company continues to benefit from accelerating digital payment adoption and a 17% jump in client base. Given the pent-up demand for digital financial services in Brazil, the firm’s top- and bottom-line outperformance underpins management’s raised 2025 guidance, helping underpin the stock’s recent momentum and bolstering investor appetite from European capitals including Dublin.

Technical signals point to sustained bullish momentum, with the share price breaking above long-term averages. StoneCo’s share price recently crossed its 200-day simple moving average ($10.89), a key bullish technical signal widely followed by quantitative funds and institutional trades in Europe. The technical consensus is currently “Strong Buy,” supported by favorable signals from 11 moving averages and a MACD reading of 0.22. Irish market participants seeking tactical exposure may find current levels supported by strong technical foundations, with resistance now watching $13.69 and trend-following models flashing a “Buy.”

No direct Irish market or regulatory headwinds have emerged, with the Cayman Islands incorporation ensuring continued access and tax efficacy. StoneCo’s legal structure as a Cayman Islands entity continues to appeal to Ireland-based investors for its withholding tax efficiency and streamlined cross-border trading, with no recent regulatory changes affecting Irish ownership or access. The company’s USD listing and high liquidity ease integration into Irish investor portfolios without BRL exposure risk, and no recent news indicates changes in this status or new local restrictions, thus supporting the company’s attractiveness for institutions and funds domiciled or passported from Ireland.

FAQ

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.