Investor Relations

Guidance

2025 Guidance

Stone Logo 2025 Guidance Δ% y/y Comments
Adj Gross Profit (R$bn) > 7.050 +14% Total Revenue and Income (-) Cost of Services (-) Financial expenses, net
Adj Basic EPS (R$/share) > 8.6 +18% Considering share buybacks until the end of February/25
Assuming a SELIC rate of 15% at the end of the period, an effective tax rate of approximately 20%, and a weighted average number of outstanding shares for adjusted basic EPS of 279.5mn.

2027 Guidance

Stone Logo 2027 Guidance CAGR 24-27 Comments
MSMB TPV (R$bn) > 670 +14% MSMB TPV, including MSMB PIX QR Code
Retail Deposits (R$bn) > 14.0 +17% Deposits from Retail Clients + Time Deposits
Credit Portfolio (R$bn) > 5.5 +66% Working Capital, Revolving Credit, Credit Card and others
Adj Gross Profit (R$bn) > 10.2 +18% Total Revenue and Income (-) Cost of Services (-) Financial expenses, net
Adj Basic EPS (R$/share) > 15.0 +27% Considering share buybacks until the end of February/25
Assuming a Company effective tax rate of approximately 20% and a weighted average number of outstanding shares for adjusted basic EPS of 283.6mn.