StoneCo (STNE) Balance Sheet: Assets & Liabilities

StoneCo (STNE) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), StoneCo reported total assets of BRL 62.27B and total liabilities of BRL 50.44B. Shareholders' equity was BRL 11.78B, down 0.4% from BRL 11.83B a year earlier. Total debt stood at BRL 17.57B against BRL 5.94B in cash and short-term investments, a net debt position of BRL 11.64B. That puts debt-to-equity at 1.49, compared with 1.41 a year earlier.

StoneCo Balance Sheet Analysis

Values in billions BRL

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for StoneCo Ltd. (STNE) - Annual data in billions BRL
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Current Assets
Cash and Cash Equivalents	4.82	5.23	2.18	1.51	4.50	2.45	0.24	0.30	0.64
Short-Term Investments	1.12	0.52	9.88	3.45	1.99	8.84	0.73	2.77	0.20
Cash & Short-Term Investments	5.94	5.75	12.06	4.97	6.49	11.29	0.97	3.07	0.84
Accounts Receivable	44.17	30.51	24.47	21.18	20.17	17.78	3.57	9.29	5.15
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-0.20
Other Current Assets	2.29	0.90	0.38	0.55	0.94	0.21	0.03	0.02	0.01
Total Current Assets	52.40	45.97	37.15	30.66	29.94	29.27	4.58	12.44	6.00
Non-Current Assets
Property, Plant & Equipment (Net)	1.72	1.83	1.66	1.64	1.57	0.72	0.14	0.27	0.19
Long-Term Investments	0.71	0.11	0.08	0.32	1.30	0.05	0.01	0.00	0.00
Goodwill	0.67	2.08	5.63	5.65	5.59	0.65	0.04	0.14	0.12
Intangible Assets	1.31	3.33	3.16	2.96	2.66	0.39	0.06	0.16	0.12
Other Non-Current Assets	4.19	1.45	0.14	0.99	1.00	0.53	0.01	0.02	0.01
Total Non-Current Assets	9.87	8.85	11.54	11.59	12.15	2.47	0.30	0.86	0.64
Total Assets	62.27	54.81	48.69	42.25	42.10	31.75	4.87	13.29	6.64
Current Liabilities
Accounts Payable	18.92	18.43	0.51	17.17	16.10	0.18	1.64	0.12	0.05
Short-Term Debt	8.64	8.70	1.85	4.02	2.20	3.14	1.25	0.78	0.02
Current Portion of Long-Term Debt	8.64	4.97	1.88	2.82	3.87	2.33	-	-	-
Accrued Liabilities	1.44	1.14	1.03	0.80	0.45	0.20	-	-	-
Deferred Revenue	0.00	8.70	6.12	4.02	2.20	0.90	0.00	5.16	3.74
Other Current Liabilities	12.83	0.29	0.12	0.36	0.17	9.05	0.02	5.11	3.71
Total Current Liabilities	40.39	33.53	28.83	25.17	22.79	13.38	2.95	6.05	3.82
Non-Current Liabilities
Long-Term Debt	8.93	7.93	3.50	2.73	4.49	2.94	0.42	2.06	2.06
Deferred Tax Liabilities	0.31	0.68	0.55	0.50	0.63	0.06	0.00	0.08	0.05
Other Non-Current Liabilities	0.81	1.53	0.41	1.39	1.19	0.38	0.01	0.08	0.27
Total Non-Current Liabilities	10.05	9.45	5.19	4.12	5.68	3.38	0.44	2.15	2.33
Total Liabilities	50.44	42.99	34.02	29.30	28.47	16.76	3.39	8.20	6.15
Stockholders' Equity
Common Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Retained Earnings	1.97	-0.35	1.17	-0.42	0.10	1.46	0.15	-0.20	-0.50
Accumulated Other Comprehensive Income	-1.29	-0.29	13.74	-0.43	-0.04	13.47	-0.02	5.30	0.97
Treasury Stock	4.59	1.81	0.28	0.07	1.07	-	-	-	-
Additional Paid-in Capital	11.10	-1.81	-0.28	-0.07	-1.07	-0.08	1.35	0.00	0.00
Minority Interest	0.04	0.05	0.05	0.06	0.09	0.14	0.00	0.00	0.02
Shares Outstanding	0.25	0.29	0.31	0.31	0.31	-	-	-	-
Total Stockholders' Equity	11.78	11.83	14.62	12.95	13.63	14.85	1.48	5.09	0.47
Total Liabilities & Equity	62.27	54.81	48.69	42.25	42.10	31.75	4.87	13.29	6.64

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About StoneCo Balance Sheet

How much debt does StoneCo have?

StoneCo had total debt of BRL 17.57B as of Dec 31, 2025, against BRL 5.94B in cash and short-term investments. Its debt-to-equity ratio was 1.49. Total debt was BRL 16.63B a year earlier.

What are StoneCo's total assets?

StoneCo reported total assets of BRL 62.27B as of Dec 31, 2025, up 13.6% from BRL 54.81B a year earlier. Total liabilities were BRL 50.44B.

What is StoneCo's shareholders' equity?

StoneCo's shareholders' equity was BRL 11.78B as of Dec 31, 2025, or about BRL 47.34 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition