--- title: "StoneCo (STNE) Results Keep Cross Selling In Focus As Undervalued View Holds" type: "News" locale: "en" url: "https://longbridge.com/en/news/296072348.md" description: "StoneCo reported Q2 2026 revenue of R$3.59 billion and net income of R$444.59 million, yet its stock has fallen significantly. Despite mixed earnings and weak momentum, analysis suggests the company is undervalued, with a fair value estimate of $16.23 compared to the current price of $9.55. This valuation relies on cross-selling growth in payments and digital banking, though risks include elevated credit losses and margin compression from competition." datetime: "2026-08-17T07:49:18.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/296072348.md) - [en](https://longbridge.com/en/news/296072348.md) - [zh-HK](https://longbridge.com/zh-HK/news/296072348.md) generator: "portal-rs" --- # StoneCo (STNE) Results Keep Cross Selling In Focus As Undervalued View Holds StoneCo (STNE) is back in focus after reporting second quarter 2026 results, with revenue of R$3,587.38 million and net income of R$444.59 million, alongside a contrasting first half profit picture. See our latest analysis for StoneCo. StoneCo’s share price has fallen 14.35% over the past 30 days and is down 34.99% year to date, while the 1 year total shareholder return is down 25.13%. This suggests that momentum has weakened despite the latest results. If this earnings move has you reassessing your watchlist, it can help to scan for other opportunities and see what stands out in the market through the 21 top founder-led companies So is the recent slide in StoneCo mainly the market cooling on the story, or is it a direct read on a business that just posted mixed quarterly and first half earnings? And what does that imply for today’s valuation? ## Most Popular Narrative: 41.1% Undervalued StoneCo closed at $9.55, while the most followed narrative places fair value at $16.23. That gap sits at the center of the current debate. > *Cross-selling of end-to-end financial solutions (payments, digital banking, working capital credit) is increasing client engagement and wallet share, demonstrated by growing deposit balances (+36% year-over-year) and credit portfolio expansion (+25% sequentially), supporting higher recurring revenue and long-term net earnings improvement.* *Read the complete narrative.* Read the complete narrative. Want to understand why this narrative assigns a higher value to StoneCo? It leans heavily on how future revenue, margins and earnings multiples work together. It also explores which specific long term growth and profitability paths would need to occur for that valuation to hold up. The narrative also rests on a discount rate of 9.2% and assumes StoneCo can balance slower forecast earnings with capital returns and profitability shifts over time. That combination underpins the fair value of $16.23 relative to today’s share price and frames how much of the recent share price weakness may already reflect lower earnings expectations. **Result: Fair Value of $16.23 (UNDERVALUED)** Have a read of the narrative in full and understand what's behind the forecasts. However, this StoneCo story can change quickly if Brazilian small business credit losses remain elevated or if competition in payments and PIX further compresses margins. Find out about the key risks to this StoneCo narrative. ## Next Steps With the mixed mood around StoneCo, it helps to see both sides quickly and form your own view based on the full picture of 3 key rewards and 2 important warning signs. ## Looking for more investment ideas beyond StoneCo? If StoneCo has you rethinking your next move, do not stop here. The market is full of other opportunities that could better match your goals. - Target quality at a discount by checking companies that currently look mispriced using the 52 high quality undervalued stocks. - Prioritise resilience and sleep easier at night by scanning stocks with stronger financial footing through the solid balance sheet and fundamentals stocks screener (50 results). - Spot under-the-radar opportunities before the crowd by reviewing the screener containing 19 high quality undiscovered gems. *This article by Simply Wall St is general in nature. **We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.** It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.* ### **New:** Manage All Your Stock Portfolios in One Place We've created the **ultimate portfolio companion** for stock investors, **and it's free.** • Connect an unlimited number of Portfolios and see your total in one currency • Be alerted to new Warning Signs or Risks via email or mobile • Track the Fair Value of your stocks Try a Demo Portfolio for Free ### Related Stocks - [STNE.US](https://longbridge.com/en/quote/STNE.US.md) ## Related News & Research - [StoneCo Ltd. to Announce First Quarter 2026 Financial Results on May 14th, 2026 | STNE Stock News](https://longbridge.com/en/news/281516279.md) - [StoneCo (NASDAQ:STNE) Director Sells $101,610.00 in Stock](https://longbridge.com/en/news/289887454.md) - [StoneCo stock dips as Q2 adjusted income declines Y/Y, revenue trails consensus](https://longbridge.com/en/news/295847030.md) - [239,747 Shares in StoneCo Ltd. $STNE Bought by Zurcher Kantonalbank Zurich Cantonalbank](https://longbridge.com/en/news/284111285.md) - [StoneCo (NASDAQ:STNE) Reaches New 1-Year Low - Here's What Happened](https://longbridge.com/en/news/295995904.md) --- > **Disclaimer: This article is for reference only and does not constitute any investment advice.**