StoneCo Ltd. (STNE) Fair Value 2026

STNE · Software - Infrastructure ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.2 /10

32 fundamental signals · 1 models active

Value Trap Risk

SAFE (17/100)

Quick Summary — As of 2026-08-31, StoneCo Ltd. (STNE) trades at $9.70. QOC: 5.2/10. Value Trap Risk: 17/100 (SAFE). 1/13 models active.

Key Facts

Ticker
STNE
Price
$9.70
Quality Score
5.2/10
Value Trap Risk
17/100
Models Active
1/13
Last Updated
Strength: ML-RIV suggests +115.9% upside with 37% confidence
Risk: Limited model coverage (1/13) may reduce confidence

What Fair Value Does Each Model Give STNE?

1 Intrinsic Value Models vs. Current Price ($9.70)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $20.94 +115.9%

All Models Active

All 1 models are displayed above.

What Is StoneCo Ltd. (STNE) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, StoneCo Ltd. is potentially undervalued at its current price of $9.70. Based on our 13-model framework, StoneCo Ltd.'s intrinsic value is estimated at a median fair value of $20.94 — representing +115.9% implied upside — with 1 out of 1 active models confirming this thesis.

What Do the Models Say About STNE?

1 of 13 models are currently active for STNE. All 1 active models suggest the stock trades below fair value. See which stocks rank higher →

How Does STNE Rank in Software - Infrastructure?

Among 189 Software - Infrastructure stocks, STNE ranks #134 by Quality of Company score. CirclFi's QOC score of 5.2/10 evaluates 32 fundamental signals. A score of 5.2 reflects mixed fundamentals.

See all Most Undervalued Software - Infrastructure Stocks →

StoneCo Ltd.'s positioning within the Software - Infrastructure segment means that R&D intensity plays an outsized role in fundamental analysis. The sector's unique characteristics — including enterprise adoption — shape both the opportunity set and risk profile.

Is STNE a Value Trap?

CirclFi's Value Trap algorithm assigns STNE a score of 17/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

1 of 13 models are active for StoneCo Ltd.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, StoneCo Ltd. earns a quality score of 5.2/10. This mixed rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

CirclFi runs 13 independent models for each stock. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every STNE valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across STNE's 1 active models, average confidence is 37%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy StoneCo Ltd. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Software - Infrastructure Stocks Should You Also Analyze?

11 related Software - Infrastructure stocks with 13-model coverage

EXODExodus Movement, Inc.QOC 5.2CISOCISO Global Inc.QOC 5.2KCRDKindcard, Inc.QOC 5.2GRHIGold Rock Holdings, Inc.QOC 5.2WHENWorld Health Energy Holdings, Inc.QOC 5.2BNAIBrand Engagement Network, Inc.QOC 5.2RZLVRezolve AI PLCQOC 2.8BBBlackBerry LimitedQOC 8.3YYAIAiRWA Inc.QOC 6.2FTNTFortinet, Inc.QOC 9.7QLYSQualys, Inc.QOC 9.7

Read investment analysis: EXOD · CISO · KCRD · GRHI · WHEN · BNAI · RZLV · BB · YYAI · FTNT · QLYS

Which Other Stocks Have a Similar Quality Score to STNE?

6 companies across all industries closest to STNE’s Quality of Company score of 5.2/10.

INMInMed Pharmaceuticals Inc.QOC 5.2VIPVulcan Infrastructure and Power Inc.QOC 5.2FRBPFRANKLIN BSP CAP CORPQOC 5.2DNUTKrispy Kreme, Inc.QOC 5.2EVFMEvofem Biosciences, Inc.QOC 5.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: INM · VIP · FRBP · DNUT · EVFM · NVDA

Where Does STNE Sit in CirclFi's Software - Infrastructure Rankings?

STNE is ranked against every other Software - Infrastructure stock CirclFi covers in each of these screens.

See all Software - Infrastructure stocks ranked →

What Else Do Investors Ask About StoneCo Ltd.’s Valuation?

What is StoneCo Ltd.'s intrinsic value in 2026?

CirclFi does not yet have enough active models to publish a median fair value for StoneCo Ltd. (STNE). The Quality of Company score is 5.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is STNE overvalued or undervalued right now?

At $9.70, 1 of 1 active models suggest STNE may be undervalued, while 0 indicate potential overvaluation. The assessment depends on which methodology best fits StoneCo Ltd.'s business model in Software - Infrastructure.

What does a Quality of Company score of 5.2 mean for STNE?

StoneCo Ltd.'s QOC of 5.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on STNE?

CirclFi analyzes STNE with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 1 of 13 are active for this stock. Read the full methodology →

Is STNE a value trap in 2026?

StoneCo Ltd.'s Value Trap score is 17/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “CirclFi assigns StoneCo Ltd. (STNE) a Quality of Company score of 5.2/10 across 32 fundamental signals as of 2026-08-31.” Source: circlfi.com/stock/STNE/ · Methodology
Primary sources for this STNE valuation
  • Financial statements: StoneCo Ltd. 10-K and 10-Q filings on SEC EDGAR (CIK 0001745431) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for STNE as of ; valuations recomputed .