Are StoneCo’s (STNE) Expanding Credit Ambitions Creating New Growth or Unseen Risks?

Simply Wall St.11-24

Recently, analysts expressed renewed optimism about StoneCo, citing robust financial results, double-digit year-over-year growth in core Payments, and rapid expansion in Banking and Credit operations,...

Source Link

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Comments

We need your insight to fill this gap

Leave a comment

{"i18n":{"language":"en_US"},"isChannel":false,"data":{"share":"https://ttm.financial/m/news/2585456773?lang=en_US&edition=fundamental","thumbnail":"https://images.simplywall.st/asset/industry/8032000-choice2-main-header/1585186601535","is_english":true,"pubTime":"2025-11-24 13:19","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"2585456773","market":"sg","top_or_hot":-1,"title":"Are StoneCo’s (STNE) Expanding Credit Ambitions Creating New Growth or Unseen Risks?","media":"Simply Wall St.","content":"<div>\n<p>Recently, analysts expressed renewed optimism about StoneCo, citing robust financial results, double-digit year-over-year growth in core Payments, and rapid expansion in Banking and Credit operations,...</p>\n\n<a href=\"https://simplywall.st/stocks/us/diversified-financials/nasdaq-stne/stoneco/news/are-stonecos-stne-expanding-credit-ambitions-creating-new-gr\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Are StoneCo’s (STNE) Expanding Credit Ambitions Creating New Growth or Unseen Risks?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nAre StoneCo’s (STNE) Expanding Credit Ambitions Creating New Growth or Unseen Risks?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-11-24 13:19 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/diversified-financials/nasdaq-stne/stoneco/news/are-stonecos-stne-expanding-credit-ambitions-creating-new-gr><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Recently, analysts expressed renewed optimism about StoneCo, citing robust financial results, double-digit year-over-year growth in core Payments, and rapid expansion in Banking and Credit operations,...</p>\n\n<a href=\"https://simplywall.st/stocks/us/diversified-financials/nasdaq-stne/stoneco/news/are-stonecos-stne-expanding-credit-ambitions-creating-new-gr\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4106","symbol_name":"数据处理与外包服务","start_time":0,"source_url":"https://simplywall.st/stocks/us/diversified-financials/nasdaq-stne/stoneco/news/are-stonecos-stne-expanding-credit-ambitions-creating-new-gr","article_id":"2585456773","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/8032000-choice2-main-header/1585186601535"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/diversified-financials/nasdaq-stne/stoneco/news/are-stonecos-stne-expanding-credit-ambitions-creating-new-gr","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2585456773","pubTimestamp":1763961545,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"Recently, analysts expressed renewed optimism about StoneCo, citing robust financial results, double-digit year-over-year growth in core Payments, and rapid expansion in Banking and Credit operations, alongside increased EPS guidance and share buybacks.\nAn important insight is the company's rapidly growing credit portfolio which, while contributing to higher yields, also increases risk as indicated by rising non-performing loans.\nWe’ll examine how expanding credit operations and their...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4106":"数据处理与外包服务","BK4535":"淡马锡持仓","BK4227":"交易和支付处理服务","BK4559":"巴菲特持仓","STNE":"StoneCo","BK4566":"资本集团"},"translate_title":"StoneCo(STNE)不断扩大的信贷雄心是否会创造新的增长或看不见的风险？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"STNE":1.5},"content_text":"Recently, analysts expressed renewed optimism about StoneCo, citing robust financial results, double-digit year-over-year growth in core Payments, and rapid expansion in Banking and Credit operations, alongside increased EPS guidance and share buybacks. An important insight is the company's rapidly growing credit portfolio which, while contributing to higher yields, also increases risk as indicated by rising non-performing loans. We’ll examine how expanding credit operations and their associated risks may affect StoneCo’s overall investment outlook. AI is about to change healthcare. These 30 stocks are working on everything from early diagnostics to drug discovery. The best part - they are all under $10b in market cap - there's still time to get in early.AdvertisementStoneCo Investment Narrative Recap To own shares of StoneCo, you need to believe in its ability to leverage Brazil’s shift to digital payments and expand in banking and credit, all while managing the risks brought by competition, margin pressure, and a growing loan book. The latest news of double-digit gains in core Payments, explosive Banking and Credit growth, and raised EPS guidance has supported the current investment catalysts, but also puts a brighter spotlight on the increasing risks from non-performing loans, particularly in the short term, this is the area to watch.\n  The most relevant recent announcement is StoneCo’s aggressive share buyback activity, repurchasing nearly 7.8 million shares for R$652.56 million since May. This move aligns with strengthened capital returns and may represent confidence in future earnings power, underpinning the company’s EPS growth catalyst even as market volatility and lending risk intensify.\n  Yet, despite positive trends, growing credit exposure means investors should not overlook…\n Read the full narrative on StoneCo (it's free!)StoneCo's narrative projects R$17.4 billion revenue and R$5.0 billion earnings by 2028. This requires 8.2% yearly revenue growth and a R$6.3 billion earnings increase from R$-1.3 billion currently.Uncover how StoneCo's forecasts yield a $20.57 fair value, a 37% upside to its current price.Exploring Other PerspectivesSTNE Community Fair Values as at Nov 2025  Nine members of the Simply Wall St Community gave fair value estimates for StoneCo ranging from R$14.33 to R$45.96 per share. Many see future upside if rapid credit expansion can fuel sustainable earnings without a spike in loan losses.\nExplore 9 other fair value estimates on StoneCo - why the stock might be worth just $14.33!Build Your Own StoneCo NarrativeDisagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.A great starting point for your StoneCo research is our analysis highlighting 4 key rewards and 1 important warning sign that could impact your investment decision.Our free StoneCo research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate StoneCo's overall financial health at a glance.Seeking Other Investments?Right now could be the best entry point. These picks are fresh from our daily scans. Don't delay:Explore 26 top quantum computing companies leading the revolution in next-gen technology and shaping the future with breakthroughs in quantum algorithms, superconducting qubits, and cutting-edge research.Outshine the giants: these 26 early-stage AI stocks could fund your retirement.The end of cancer? These 29 emerging AI stocks are developing tech that will allow early identification of life changing diseases like cancer and Alzheimer's.  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: Manage All Your Stock Portfolios in One PlaceWe've created the ultimate portfolio companion for stock investors, and it's free.• Connect an unlimited number of Portfolios and see your total in one currency• Be alerted to new Warning Signs or Risks via email or mobile• Track the Fair Value of your stocksTry a Demo Portfolio for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"deviceId":"web-server-community-laohu8-v3","version":"4.35.9","shortVersion":"4.35.9","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2585456773","isCrawlerRequest":true}