StoneCo (MIL:1STNE) LT-Debt-to-Total-Asset: 0.12 (As of Mar. 2026)

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MIL:1STNE StoneCo Ltd MIL:1STNE
55 GF Score
Price €9.43
GF Value €16.99
Valuation Possible Value Trap
! 5 Warning Signs
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What is StoneCo LT-Debt-to-Total-Asset?

StoneCo MIL:1STNE 55 LT-Debt-to-Total-Asset is 0.12 as of Mar. 2026. GuruFocus rates MIL:1STNE with a GF Score™ of 55/100 and a GF Value™ of €16.99 (Possible Value Trap). The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. StoneCo's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.12.

StoneCo's long-term debt to total assets ratio declined from Mar. 2025 (0.16) to Mar. 2026 (0.12). It may suggest that StoneCo is progressively becoming less dependent on debt to grow their business.

StoneCo  (MIL:1STNE) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

StoneCo LT-Debt-to-Total-Asset Related Terms

StoneCo LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for StoneCo's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

StoneCo LT-Debt-to-Total-Asset Chart

StoneCo Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.11 0.07 0.08 0.15 0.14

StoneCo Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.16 0.16 0.15 0.14 0.12
MIL:1STNE
55GF Score
StoneCo Ltd MIL:1STNE
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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StoneCo LT-Debt-to-Total-Asset Calculation

StoneCo's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=1399.145/9751.553
=0.14

StoneCo's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=1157.185/9902.47
=0.12

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.12 mean?
StoneCo (MIL:1STNE) has a LT-Debt-to-Total-Asset of 0.12 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on StoneCo and its competitors.
Is StoneCo's LT-Debt-to-Total-Asset too high?
StoneCo's current LT-Debt-to-Total-Asset is 0.12. Overall, StoneCo has a GF Score™ of 55/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does StoneCo's LT-Debt-to-Total-Asset compare to EEFT and PAGS?
StoneCo's LT-Debt-to-Total-Asset of 0.12 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Software company?
A good LT-Debt-to-Total-Asset depends on the Software industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on StoneCo and its competitors. StoneCo's current LT-Debt-to-Total-Asset is 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is StoneCo stock overvalued right now?
Based on GuruFocus' analysis, StoneCo (MIL:1STNE) is currently considered Possible Value Trap. The stock's GF Value™ is €16.99, compared to a current price of €9.43 — trading 44.5% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.12. StoneCo's overall GF Score™ is 55/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For StoneCo (MIL:1STNE), the current LT-Debt-to-Total-Asset is 0.12 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is StoneCo (MIL:1STNE) Overvalued in 2026?

Based on GuruFocus' analysis, StoneCo stock appears to be undervalued. The current stock price of €9.43 is trading 44.5% below its estimated GF Value™ of €16.99. GuruFocus considers StoneCo to be Possible Value Trap.

Key valuation signals for MIL:1STNE:

  • LT-Debt-to-Total-Asset: 0.12
  • GF Value™: €16.99 vs. price of €9.43 (44.5% below fair value)
  • GF Score™: 55/100 with 5 warning signs

No single metric tells the full story. See the MIL:1STNE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

StoneCo Business Description

Address 18 Forum Lane, Camana Bay, Block 12D Parcel 33 and 95, P.O. Box 10240, Grand Cayman, CYM, KY1-1002
StoneCo Ltd is a provider of financial technology solutions. It serves MSMBs solutions, at fair prices, and provides the customer experience to help them manage their businesses and sell more. Its Stone Business Model combines end-to-end, cloud-based technology platforms; differentiated hyper-local and integrated distribution approaches; and white-glove, on-demand customer service. The brands of the company include: Stone: For small and medium-sized businesses, all management is integrated with the payment terminal, business bank account, and card, all within the same app. Ton: For micro-entrepreneurs and freelancers, modern card machines, sales via Pix or TapTon, and a Super Account. Stone pagar.me for those who sell online. Digital payment technology for all types of businesses.
55GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€9.43
Price
€16.99
GF Value