GEORGETOWN, Cayman Islands, Jan. 05, 2024 (GLOBE NEWSWIRE) -- StoneCo Ltd. (NASDAQ:STNE, B3: STOC31))) ("Stone" or the "Company") today announced that it received from the Brazilian Central Bank ("BCB") the "Financeira" License, organized as a Sociedade de Crédito, Financiamento e Investimento (SCFI). This license will enable StoneCo, through its subsidiaries, to develop and offer a range of new products, such as time deposits, which shall enhance and diversify the funding sources of the Company. About Ston ...

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Exhibit 99.1 Unaudited Interim Condensed Consolidated Financial Statements StoneCo Ltd. September 30, 2023 Index to Consolidated Financial Statements Interim Condensed Consolidated Financial Statements Page Report on review of interim condensed consolidated financial information F-3 Unaudited interim consolidated statement of financial position as of September 30, 2023 and December 31, 2022 F-4 Unaudited interim consolidated statement of profit or loss for the nine and three months ended September 30, 2023 ...

财务数据和关键指标变化 - 总收入增长25%至31亿雷亚尔,超出指引2% [11] - 经调整EBT增长3.3倍至5.45亿雷亚尔,超出指引16% [11] - 经调整净收入增长4倍至4.35亿雷亚尔,创历史新高 [11] - 经调整净现金增加18亿雷亚尔至49亿雷亚尔 [12] 各条业务线数据和关键指标变化 - 金融服务业务收入增长29%至27亿雷亚尔,主要由MSMB业务强劲表现带动 [21] - MSMB支付客户群增长42%至330万活跃客户 [22] - MSMB交易额增长20%,是行业增速的两倍,同时MSMB收费率提升28个基点至2.49% [24] - 银行业务活跃客户增长3.4倍至190万,存款增长51%至45亿雷亚尔 [26] - 信贷业务规模从19百万增至113百万,资产质量良好 [28] - 软件业务收入增长6%至3.88亿雷亚尔,调整EBITDA利润率提升至20.5% [30][31] 各个市场数据和关键指标变化 - 大客户交易额下降22.8%至144亿雷亚尔,但收费率提升18个基点 [25] 公司战略和发展方向及行业竞争 - 公司正在推进新的管理架构,以更好地服务不同客户群 [16] - 公司将在11月15日的投资者日上分享更多战略细节 [17] - 公司正在积极推进银行牌照的申请,以更好利用存款为业务融资 [80] - 公司认为利息免费分期付款不应受到监管限制,因为这会对经济产生负面影响 [51][52][53] 管理层对经营环境和未来前景的评论 - 管理层对公司在效率、现金流和业务拓展等方面的表现感到满意 [10] - 管理层对行业未来增长前景持乐观态度,预计明年行业增速将略有提升 [47][48] - 管理层将继续保持定价纪律,同时寻求通过银行等新业务线提升整体收费率 [57][134][136] 问答环节重要的提问和回答 问题1 **Tito Labarta提问** 询问公司是否能继续在微商和中小企业市场份额 [44][45] 以及对未来收费率走势的看法 [46] **Pedro Zinner和Lia Matos回答** 公司有信心继续在MSMB市场增加份额 [47][48][49] 未来收费率将受到定价策略、业务结构变化等多方面因素影响 [57][134][136] 问题2 **Mario Pierry提问** 询问软件业务收入增速放缓和利润率大幅提升的原因 [63][64] 以及信贷业务的客户群、利率和未来规模 [65][66][67] **Lia Matos和Mateus Scherer回答** 软件业务收入增速放缓主要是由于数字业务和大客户业务表现不佳,但利润率提升主要源于人员成本优化 [66][67][68][69] 信贷业务目前主要针对中小企业客户,利率水平和未来规模增长计划将在投资者日上详细说明 [70][71] 问题3 **Geoffrey Elliott提问** 询问本季度借记卡交易占比上升的原因 [73][74] 以及公司300亿雷亚尔回购计划是否意味着未来还会有更多回购 [75][76][77] **Lia Matos和Pedro Zinner回答** 借记卡交易占比上升是行业整体趋势,与信用卡额度收缩有关 [73][74] 公司会根据现金流情况和投资机会动态评估是否进行股票回购 [76][77]

StoneCo Ltd. (NASDAQ:STNE) Q2 2023 Earnings Conference Call August 16, 2023 5:00 PM ET Company Participants Pedro Zinner - CEO Mateus Scherer Schwening - CFO and IRO Lia Machado de Matos - Chief Strategy Officer Conference Call Participants Sheriq Sumar - Evercore ISI Juan Recalde - Scotiabank Tito Labarta - Goldman Sachs Gabriel Gusan - Citibank Antonio Ruette - Bank of America Josh Siegler - Cantor Fitzgerald Neha Agarwala - HSBC John Coffey - Barclays Guilherme Grespan - JPMorgan Kaio Prato - Banco UBS W ...

2Q23 Earnings Presentation AUG/23 DISCLAIMER 2Q23 Thispresentationandtheinformationcontainedhereindoesnotconstituteanofferforsaleorsolicitationofanoffertobuyanysecuritiesoftheissuer. Thisdocumentcontainsforward-lookingstatementswithinthemeaningofSection27AoftheSecuritiesActof1933,andSection21EoftheSecuritiesExchangeActof1934,eachasamended,including,inparticular,statementsaboutStoneCo Ltd.’s(the“Company”)plans,strategiesandprospectsandestimatesofindustrygrowthorprospects.Thesestatementsidentifyprospectiveinf ...

Exhibit 99.1 Unaudited Interim Condensed Consolidated Financial Statements StoneCo Ltd. Index to Consolidated Financial Statements Interim Condensed Consolidated Financial Statements Page Report on review of interim condensed consolidated financial information F-3 Unaudited interim consolidated statement of financial position as of September 30, 2023 and December 31, 2022 F-4 Unaudited interim consolidated statement of profit or loss for the nine and three months ended September 30, 2023 and 2022 F-6 Unaudi ...

财务数据和关键指标变化 - 总收入达到27亿雷亚尔,同比增长31% [20] - 调整后税前利润达到3.24亿雷亚尔,超出指引22% [10] - 调整后净利润达到2.37亿雷亚尔,创公司历史同期最佳业绩 [10] - 调整后净现金增加约5亿雷亚尔至40亿雷亚尔 [37] 各条业务线数据和关键指标变化 - 金融服务业务收入同比增长36%,保持了良好的盈利能力 [20][21] - MSMB客户群交易额同比增长25%,超过行业2倍 [23] - MSMB业务交易手续费率达到2.39%,环比和同比均有提升 [23] - 银行业务活跃客户增长2.5倍至130万 [26] - 软件业务收入同比增长10%,受广告业务疲软影响有所放缓 [30] 各个市场数据和关键指标变化 - 大客户群交易额同比下降26%,但手续费率同比提升31个基点 [24][25] 公司战略和发展方向及行业竞争 - 公司将重点关注成本管理和定价纪律,提高运营效率和利润率 [18] - 正在制定2030年战略规划,将于今年晚些时候举行投资者日分享详情 [18] - 软件业务将聚焦成本管控、团队整合、提升运营杠杆、扩大中小客户覆盖等 [32] - 公司认为行业整体定价更加理性,有利于公司提升客户保留率 [93] 管理层对经营环境和未来前景的评论 - 公司在人才、治理和客户导向文化方面拥有坚实基础,有助于长期发展 [15][16][17] - 短期将专注于提升基础运营,长期将制定2030年战略规划 [18] - 对行业整体保持谨慎乐观,认为行业定价更加理性 [93] 问答环节重要的提问和回答 问题1 **Sheriq Sumar 提问** 询问未来几个季度的交易手续费率趋势,以及是否还有进一步提升空间 [41][42][43] **Lia Matos 和 Rafael Martins 回答** 公司将继续保持积极的交易手续费率趋势,未来新的收入来源如银行和信贷也将有助于提升整体手续费率 [42][43] 问题2 **Tito Labarta 提问** 询问公司在微商户和中小商户群体的竞争情况 [51][52][53][54] **Lia Matos 回答** 公司正在各个客户群体中持续获取市场份额,整体行业竞争环境较为稳定 [53][54] 问题3 **Kaio Prato 提问** 询问公司第二季度调整后税前利润指引偏保守的原因 [69][70][71] **Rafael Martins 回答** 公司在制定指引时会考虑各种潜在的上行和下行因素,指引代表了公司的信心区间 [70][71]

1Q23 Earnings Presentation MAY/23 DISCLAIMER 1Q23 Thispresentationandtheinformationcontainedhereindoesnotconstituteanofferforsaleorsolicitationofanoffertobuyanysecuritiesoftheissuer. Thisdocumentcontainsforward-lookingstatementswithinthemeaningofSection27AoftheSecuritiesActof1933,andSection21EoftheSecuritiesExchangeActof1934,eachasamended,including,inparticular,statementsaboutStoneCo Ltd.’s(the“Company”)plans,strategiesandprospectsandestimatesofindustrygrowthorprospects.Thesestatementsidentifyprospectiveinf ...

Exhibit 99.1 Unaudited Interim Condensed Consolidated Financial Statements StoneCo Ltd. Index to Consolidated Financial Statements Interim Condensed Consolidated Financial Statements Page Report on review of interim condensed consolidated financial information F-3 Unaudited interim consolidated statement of financial position as of June 30, 2023 and December 31, 2022 F-4 Unaudited interim consolidated statement of profit or loss for the six and three months ended June 30, 2023 and 2022 F-5 Unaudited interim ...