Seven criteria, each scored 0 to 100 on a published scale, weighted into one number.
62/100RyuScore 62 out of 100, Above average
62
Today's price. Only valuation depends on it.
-50%-40%-30%-20%-10%today+10%+20%+30%
Above average. StoneCo Ltd. scores higher than 62% of the 2,231 companies Ryufin scores.
Carried by valuation and return on new capital, held back by return on capital and cycle position.
Technology median 46 · all companies 55
How the score has moved
At each fiscal year end, from the reports and price of the time
30
24
62
20212022today
The biggest move was up 38 points from 2022 to today, mostly valuation.
Valuation
26% of the score
100median 53
StoneCo Ltd. is valued at 6.8x its operating profit, including debt: cheap enough for full points.
60x
50x
35x
25x
18x
12x
8x
6.8x
Full points at 8x or less, none from 60xfull points
Return on capital
18% of the score
22median 24
Over 7 years the business earned 4.9% a year after tax on the capital it uses.
2%
8%
15%
25%
4.9%
None at 2% or less, full points from 25%full points
Return on capital by year
7 years agolatest 9.3%
Return on new capital
16% of the score
100median 33
For every dollar of operating profit earned over 6 years, yearly profit grew by 55 cents. New capital earned 29%, and 191% of profit went back into the business.
-5%
12%
55%
None at minus 5 cents, full points from 12 centsfull points
Capital allocation
14% of the score
90median 63
How management spends the money: shares bought back or issued, and whether assets grow faster than the business they serve.
Share countDown 1.6% a year over 5 years: buybacks
83
5%
-3%
-1.6%
0 pointsfull points
Assets against salesAssets grew 14% a year, sales 34%
100
12%
-2%
-19%
0 pointsfull points
Cycle position
12% of the score
23median 63
Today's operating margin of 20% is 1.54x its normal 13%: near a peak, where margins tend to fall back. Normal is half the 10 year median, half the last four years, so a margin that has held is not taken for a peak.
2x
1.5x
1x
0.7x
1.5x
A trough earns points, a peak costs themfull points
Operating margin by year, against its normal level
10 years agonow 20%
Balance sheet
8% of the score
0median 50
What the debt weighs against the profit that has to carry it.
Net debt to EBITDA4.5x a year of EBITDA
0
4.5x
0.5x
4.5x
0 pointsfull points
Interest coverOperating profit covers interest 1x
0
1.5x
12x
0.6x
0 pointsfull points
Earnings quality
6% of the score
19median 90
Whether the reported profit arrives as cash, and whether the accounts show the usual signs of stretching.
Cash against profitOperating cash flow was -0.54x profit over 3 years
0
0.7x
1x
1.3x
-0.5x
0 pointsfull points
AccrualsProfit ran ahead of cash by 2.8% of assets
39
8%
0%
-8%
2.8%
0 pointsfull points
How the RyuScore works
Each criterion earns 0 to 100 points on the scale drawn under it, and the RyuScore is their average weighted 26, 18, 16, 14, 12, 8 and 6. Scales bend in the company's favour between their ends, so an ordinary figure is never already near zero. Where a criterion cannot be measured from the filings it is taken out and the remaining weights scale up; a company needs 60% of the weight covered, and always a price, to get a score.
Built from the company's annual and quarterly filings with the SEC and today's share price. Banks, insurers and property trusts are not scored: their debt is their raw material, so these yardsticks mean something else there. Figures as of 2025-12-31, latest annual report FY2025.