StoneCo (STNE) Provisions (2023 - 2025)
StoneCo's (STNE) quarterly Provisions came in at $39.9 million in Q4 2025, down 2.42% year-over-year from $40.9 million in Q4 2024, and up 351.38% quarter-over-quarter from -$15.9 million in Q3 2025.
Analysis
StoneCo (STNE) Provisions (2023 - 2025) Analysis & Trends
StoneCo (STNE) has reported Provisions for 3 consecutive years, with $39.9 million the latest figure, recorded in Q4 2025.
- On a quarterly basis, Provisions fell 2.42% year-over-year to $39.9 million in Q4 2025; TTM through Dec 2025 was $39.9 million, a 2.42% decrease from a year earlier, with the FY2025 full-year figure at $39.9 million, up 180.31% from the prior year.
- Provisions was $39.9 million for Q4 2025 at StoneCo, up from -$15.9 million in the prior quarter.
- Over five years, Provisions peaked at $42.2 million in Q4 2023 and troughed at -$15.9 million in Q3 2025.
- A 3-year average of $10.4 million and a median of -$1.8 million in 2024 frame the typical range for Provisions.
- The widest YoY moves for Provisions: up 2.42% in 2025, down 29210.71% in 2025.
- Over 3 years, Provisions stood at $42.2 million in 2023, then declined by 3.17% to $40.9 million in 2024, then retreated by 2.42% to $39.9 million in 2025.
- The last three Provisions figures came in at $39.9 million (Q4 2025), -$15.9 million (Q3 2025), and -$14.5 million (Q2 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Provisions (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 26.06 Bn | 9.87 Bn | - | 1.20 Bn |
| 2 | Affirm Holdings | 24.16 Bn | 22.53 Bn | - | 223.20 Mn |
| 3 | FirstCash Holdings | 9.90 Bn | 9.73 Bn | 533.67 Mn | - |
| 4 | Credit Acceptance | 6.25 Bn | 5.76 Bn | 569.30 Mn | - |
| 5 | Enova International | 5.63 Bn | 5.51 Bn | 568.07 Mn | - |
| 6 | Slm | 4.96 Bn | 160.79 Mn | - | 68.33 Mn |
| 7 | Bread Financial Holdings | 4.32 Bn | -15.76 Bn | 957.00 Mn | 313.00 Mn |
| 8 | StoneCo | 2.68 Bn | 1.06 Bn | 308.97 Mn | - |
| 9 | Ezcorp | 2.05 Bn | 1.73 Bn | 246.19 Mn | - |
| 10 | Navient | 1.71 Bn | 340.86 Mn | - | 26.00 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Dec 31, 2025 | 39.86 Mn |
| Sep 30, 2025 | -15.86 Mn |
| Jun 30, 2025 | -14.54 Mn |
| Mar 31, 2025 | -5.80 Mn |
| Dec 31, 2024 | 40.85 Mn |
| Sep 30, 2024 | -54,101.33 |
| Jun 30, 2024 | -3.48 Mn |
| Dec 31, 2023 | 42.19 Mn |