StoneCo(STNE) - 2025 Q3 - Earnings Call Presentation

Financial Performance - Adjusted Gross Profit reached R$1.6 billion, with a margin of 45%[17, 33] - Adjusted Net Income increased to R$641 million for continuing operations[13, 33] - Adjusted Basic EPS for consolidated operations was R$2.57 per share, a 31% year-over-year increase[13, 38] - Total Revenue and Income grew by 16.5% year-over-year to R$3.57 billion[17, 27, 33] Business Growth - MSMB Payments Client Base expanded, reaching 126,000[19] - MSMB TPV (Total Payment Volume) increased by 11% year-over-year, reaching R$20 billion[19] - Banking Active Clients reached 9 million[22] - Retail Deposits increased by 32% year-over-year to R$8.8 billion, with average daily Retail Deposits growing by 40%[22] Capital Allocation - R$2.8 billion was distributed to shareholders through buybacks and a 10% distribution yield (LTM)[10] - R$465 million was deployed in share buybacks during 3Q25[28, 29] Credit Portfolio - Credit Portfolio reached R$2.298 billion[24]