StoneCo (STNE) Corporate presentation summary

Mission and strategic priorities

• Focuses on providing financial and software solutions with top-tier service to Brazilian micro, small, and medium businesses, aiming to help entrepreneurs manage and grow their businesses effectively.

• Strategic priorities include winning in the MSMB market, scaling through unified platforms, and driving client engagement with bundled pricing and working capital solutions.

Market positioning and opportunity

• Holds over 12% market share in payments, targeting micro, small, and medium businesses with tailored offerings and a broad suite of solutions.

• Addressable market includes ~11 million micro clients (R$38bn revenue pool) and ~4 million SMB clients (R$69bn revenue pool).

• Unified commerce value proposition leverages digital models for underserved merchants, offering low cost-to-serve and scalable distribution.

Competitive advantages and platform

• Tech-enabled distribution covers over 99% of Brazil’s GDP, with digital, proximity, and strategic partner channels.

• Superior client service with rapid delivery and high satisfaction scores; unified platform enables operating leverage and multiple value propositions.