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VizualStocks APIOperating KPI and segment definitions available for StoneCo (STNE) through the VizualStocks API.
Stone's non-IFRS net income from continuing operations after removing period-specific items such as acquisition-related fair-value and earn-out costs, purchase-accounting amortization, call-option effects, unusual issuer-loss allowances and their tax effects. The exact adjustments change by quarter and are reconciled to IFRS net income.
adjustedNetIncomePeriod-end balance of client deposits reported by StoneCo, measured in Brazilian reais.
clientDepositsCredit-loss expense or provision divided by the applicable average loan or credit portfolio for the period.
costOfRiskCredit-loss allowance divided by the corresponding non-performing loan balance at period end.
coverageRatioGross outstanding Stone merchant credit and credit-card balances at period end, net of amortizations but before deducting provisions for expected losses. Merchant credit includes working-capital and revolving-credit products.
creditPortfolioRevenue from Stone's merchant working-capital and revolving-credit products and its credit-card portfolio, including interest and credit-card interchange. It is driven by portfolio balances, pricing and product mix rather than loan originations alone.
creditRevenueRevenue and income from Stone's merchant payments, acquiring, digital banking and credit products, including transaction fees, prepayment and financing economics, deposit-related income and credit revenue. The series predates Stone's 2026 continuing-operations presentation and should not be treated as a current reportable segment after that taxonomy change.
financialServicesRevenueHistorical monthly banking revenue per active MSMB client, calculated using the average active banking-client base and including revenue from PIX QR Code processing. Stone stopped disclosing it after Q3 2024 because including PIX payments made the metric a poor representation of the banking product alone.
microSmallAndMediumBusinessBankingAverageRevenuePerActiveClientDespite its configured identifier, the stored historical values correspond to Stone's MSMB PIX QR Code payment volume, not average monthly TPV per merchant. It covers dynamic POS and static QR Code PIX transactions and appears scaled incorrectly by 1,000 in several periods.
monthlyAverageTotalPaymentVolumeMicroSmallAndMediumBusinessesNet increase in Stone's active MSMB payments clients during the quarter after new or reactivated merchants are offset by clients that no longer meet the activity definition. It is a change in the client base, not gross customer sign-ups.
netAddsShare of Stone's consolidated merchant and credit-card portfolio represented by contracts 15 to 90 days past due at period end. When a client misses an installment, Stone classifies the entire outstanding contract balance in the delinquency bucket, not only the overdue installment.
nonPerformingLoan15To90DayRatioShare of Stone's consolidated merchant and credit-card portfolio represented by contracts more than 90 days past due at period end. When a client misses an installment, Stone classifies the entire outstanding contract balance as non-performing, not only the overdue installment.
nonPerformingLoan90PlusDayRatioExpense recognized during the period to establish or adjust reserves for expected credit losses on loans and other financial assets.
provisionForExpectedCreditLossesHistorical revenue from Stone's Core POS, ERP, gateway, reconciliation and CRM products and Digital order-management, e-commerce, engagement and marketplace tools. Most software assets, including Linx, were divested in 2025-2026, leaving only limited software activity in continuing operations.
softwareRevenueTotal card payments settled by Stone plus dynamic-POS and static QR Code PIX transactions from MSMB and large-account merchants. It measures merchant payment value flowing through Stone's platform, not Stone's fees or revenue.
totalPaymentVolumeHistorical managerial monetization rate calculated from financial-services revenue earned from MSMB merchants, excluding Ton membership fees and non-allocated revenue, divided by MSMB payment volume. It is not consolidated revenue divided by all Stone TPV and was discontinued as the company's KPI presentation changed.
totalTakeRateMSMB and large-account merchants that processed at least one transaction in the preceding 90 days, except Ton clients used a 12-month window and TapTon-only clients were excluded. Stone discontinued this payments-only KPI after Q4 2025 and adopted a unified 30-day, revenue-generating active-client definition in Q1 2026.
activePaymentsClientBaseHistorical EBITDA from Stone's payments, digital banking and merchant-credit platform before interest, taxes, depreciation and amortization. The company stopped presenting this segment EBITDA after changing its reporting and later selling most software assets, so recent zeros do not represent a current break-even result.
financialServicesEbitdaCard and PIX QR Code payment volume settled by Stone for its large or key-account merchants during the period. It measures merchant sales flowing through Stone's network, not the fees and financial income Stone earns on that volume.
keyAccountsTpvMSMB clients that transacted at least R$1 through Stone's digital banking products during the preceding 30 days. Stone stopped reporting this banking-only count after Q4 2025 when it introduced one active-client metric spanning payments, banking and credit.
microSmallAndMediumBusinessActiveBankingClientBasePayment volume from Stone, Ton and Pagar.me micro, small and medium-sized merchants, combining settled card transactions with person-to-merchant PIX QR Code volume. It is merchant sales processed through Stone, not Stone's revenue.
microSmallAndMediumBusinessTotalPaymentVolumePlusPixPersonToMerchantHistorical EBITDA from Stone businesses too small to allocate to the former Financial Services or Software segments. It is a residual segment bucket rather than central corporate expense or a single product line and is no longer part of Stone's current presentation.
nonAllocatedEbitdaHistorical revenue from smaller Stone businesses not assigned to the former Financial Services or Software segments. It is a residual category, not intersegment elimination, and Stone no longer reports it under the current continuing-operations presentation.
nonAllocatedRevenueHistorical EBITDA from Stone's Core software products, such as POS, ERP, payment gateways and reconciliation, plus Digital products such as order management and e-commerce tools. Most software assets were sold in 2025-2026, so the former segment series is not comparable with current continuing operations.
softwareEbitda