- “Active Client Base”: Considers a merchant that has generated at least R$0.01 in revenues in the past 30 days.
- “Adjusted Net Cash”: is a non-IFRS financial metric and consists of the following items: (i) Adjusted Cash: Cash and cash equivalents, Short-term investments, Accounts receivable from card issuers, Financial assets from banking solution and Derivative financial instrument; minus (ii) Adjusted Debt: Retail deposits, Accounts payable to clients, Institutional deposits and marketable debt securities, Other debt instruments and Derivative financial instrument.
- “Adjusted Basic EPS”: calculated as Adjusted Net Income from Continuing Operations attributable to controlling shareholders, divided by the basic weighted average number of shares outstanding in the period.
- “ARPAC”: Average revenue per active client. Considers total revenue and income divided by the average of the total active clients between the current and previous quarter.
- “Average Monthly Credit Rate”: defined as quarterly credit revenues converted to a monthly figure, divided by the average credit portfolio between the current and the previous quarter. Does not include interchange revenues.
- “Banking”: refers to our digital banking solution.
- “Consolidated Credit Metrics”: refer to metrics for credit cards and merchants, the latter including the sum of working capital and revolving credit.
- “Continuing Operations”: refer to our financial services solutions to clients and to certain software assets that were not included in the scope of the software divestments announced in the July 22, 2025 6-K filing, titled “StoneCo Announces Divestment of Software Assets”.
- “Cost of risk”: annualized provision for expected credit losses, divided by the average credit portfolio between the current and the previous quarter.
- “Coverage ratio”: consists of the accumulated loan loss provision expenses over NPL over 90 days.
- “Credit Portfolio”: is gross of provisions for losses, but net of amortizations. Note: the amount recorded in the balance sheet is already net of provisions.
- “CTPV”: means Card Total Payment Volume and refers only to transactions settled through cards. Does not include PIX QR Code volumes.
- “Discontinued Operations”: refer to the software assets included in the scope of the software divestments announced in the July 22, 2025 6-K filing, titled “StoneCo Announces Divestment of Software Assets.”
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- “Managerial Capital Ratio”: Managerial Capital Ratio mirrors the Brazilian Central Bank methodology used for our prudential conglomerate, applied to all StoneCo’s legal entities as defined by the Brazilian Central Bank, and including DTAs from fiscal losses and temporary differences.
- “MDR or Merchant Discount Rate”: means the fee or commission paid by merchants for the service of capturing, processing, transmitting and settling transactions. The merchant discount rate is applied to the value of each Cardholder’s transaction, including the interchange fee and assessment fees.
- “Merchants solution (credit)”: consists of the sum of (i) working capital and (ii) revolving credit.
- “NPL (Non-Performing Loans)”: is the total outstanding of the contract whenever the clients default on an installment. More information on the total overdue by aging considering only the individual installments can be found in Note 5.4.1 of the Financial Statements.
- “PIX QR Code”: includes the volume of PIX QR Code transactions from dynamic POS QR Code and static QR Code from MSMB and Large Accounts merchants, unless otherwise noted.
- “Revenue”: refers to Total Revenue and Income net of taxes, which is net of interchange fees retained by card issuers and assessment fees paid to payment schemes.
- “Retail Deposits”: includes time deposits and deposits from retail customers, including MSMB and Large Account clients.
- “ROE”: calculated as the quarter’s annualized Adjusted Net Income from continuing operations divided by the average of equity, both attributable to controlling shareholders, based on the current and the previous quarter.
- “TPV”: Total Payment Volume. Reported TPV figures consider all card volumes settled by StoneCo, including PIX QR Code transactions from dynamic POS QR Code and static QR Code from MSMB and Large Accounts merchants, unless otherwise noted.
- Working Capital Portfolio: is gross of provisions for losses, but net of amortizations.