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StoneCo Ltd. reported earnings Q4 FY2024 results ended on Dec 31, 2024

$STNE (+0.32%)


- Revenue: R$3.61B, +11.1% YoY 

- Net Income: R$665.6M, +18.1% YoY 

- Adjusted EPS: R$2.26, +25.8% YoY 


CEO Pedro Zinner: "Despite a challenging macroeconomic environment, we successfully navigated market complexities, maintaining strong growth and improving profitability." 


🌱Revenue & Growth 

- Total TPV: R$143.9B, +16.1% YoY 

- MSMB TPV: R$128.4B, +21.1% YoY 

- Financial Services Revenue: R$3.19B, +11.2% YoY 

- Software Revenue: R$416.6M, +14.7% YoY 


💰Profits & Financials 

- Gross Profit: R$1.70B, +12.9% YoY 

- EBT: R$778.1M, +21.9% YoY 

- Net Cash: R$4.70B, -6.9% YoY 

- MSMB Take Rate: 2.20%, -7bps QoQ 


📌Business Highlights 

- MSMB Financial Services Take Rate improved to 2.55%, exceeding guidance 

- Retail deposits surged to R$8.7B, +42% YoY 

- Credit portfolio expanded nearly 4x to R$1.2B 

- AI-powered customer service reduced call volumes by ~45% 

- R$1.6B in share buybacks during 2024 


🔮Future Outlook 

- Preparing for higher long-term interest rates in 2025 

- Expanding banking and credit services to drive further monetization 

- Retail deposit growth expected to outpace TPV growth 

- Focus on AI adoption for operational efficiency and customer engagement

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