StoneCo's ACCE composite score rose from 64 to 79. Quality sits at 91/100, Value at 83/100, and trailing P/E is just 3.9. Here's what moved the needle.
STNE just recorded a 15-point jump in its ACCE composite score, moving from 64 to 79 out of 100. That's a meaningful single-step move, and the current score breakdown tells you where the strength is concentrated: Quality at 91/100, Value at 83/100, and Growth at 64/100.
A move of this size typically reflects improvement across at least two of those three subscore pillars, or a sharp re-rating in one. Given where the numbers sit today, Value and Quality look like the likely drivers.
On the Value side, STNE trades at a trailing P/E of 3.9 and a forward P/E of 8.1 against an analyst consensus target of $17.23 — compared to a current price of $10.59. That gap between where the stock trades and where analysts think it belongs is substantial, and the 6-model fair-value framework embedded in the ACCE score would pick that up directly.
Recibe el resumen semanal de ACCE
Rentabilidad de los índices, repaso de las selecciones y los mayores cambios de puntuación, cada domingo. Sin relleno.
On the Quality side, a 91/100 reading is hard to ignore. ROE sits at 30.7%, net margin at 25.9%, and earnings quality is flagged as strong. Those are not the numbers of a distressed fintech. They suggest the underlying business is generating real, high-quality profit — even if the stock price hasn't reflected it over the past year.
What it means
The earnings picture adds context. Year-over-year earnings growth came in at 273.8% on revenue growth of 4.3%. Revenue growth is modest, which is why the Growth subscore at 64/100 lags the other two. But the earnings expansion is dramatic, pointing to significant margin improvement or cost discipline — consistent with that 25.9% net margin.
The 1-year return of -28.7% explains why the score wasn't already at 79. The market has been skeptical, and that skepticism is baked into a trailing P/E of 3.9. When a stock gets that cheap relative to its earnings power and quality metrics, the ACCE model tends to respond — and that's likely a big part of what drove this score revision upward.
The one flag worth watching: FCF yield sits at -1.1%, which is a mild negative signal and probably a reason the score didn't push higher still. Free cash flow generation is the bridge between accounting earnings and real shareholder value, and that metric will need to improve for the Quality score to hold at 91 over time.
The dividend yield figure in the data (20.7%) is unusually high and warrants independent verification before drawing conclusions — yields at that level can reflect special distributions, data timing, or corporate actions rather than a sustainable recurring payout.
Bottom line: STNE's score move reflects a stock that looks cheap on earnings, scores exceptionally well on quality metrics, and carries a meaningful gap between its current price and analyst targets. The Growth subscore and negative FCF yield are the counterweights. See the full breakdown at acceinvestments.com/stocks/STNE.
ACCE scores thousands of stocks across valuation models matched to each company, with fair value, conviction and the full thesis on every name. Start free, no card required.
