MASHINIi

StoneCo Ltd..

STNE.US | Other financial service activities, except insurance and pension funding activities, n.e.c.

StoneCo Ltd. is a Brazilian financial technology company that provides financial technology solutions to merchants and integrated partners to conduct electronic commerce seamlessly across in-store, online, and mobile channels in Brazil. The company offers a suite of products and services, including ...Show More

Ethical Profile

Mixed.

StoneCo Ltd. faces a securities class action lawsuit alleging unsustainable lending practices and misleading investors, which reportedly led to a 34% stock drop in late 2021. A court partially denied a motion to dismiss, finding adequate allegations of misleading statements. In related compliance issues, StoneX Markets, a related entity, received a $650,000 CFTC fine for business conduct failures. StoneCo's estimated CO2e emissions increased from 19 million kg in 2022 to 28 million kg in 2023, with no specific reduction targets disclosed. Positively, StoneCo achieved PCI Secure Software Standard compliance for its D-TEF payment software and aims to avoid 1,200 tons of e-waste and 1,000 tons of plastic waste via reverse logistics.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect0
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business-20
-100100
Kind to Animals0
-100100
No War, No Weapons-40
-100100
Planet-Friendly Business-40
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech0
-100100
Zero Waste & Sustainable Products-30
-100100

Better Health for All

0

StoneCo Ltd. is a financial technology company

1
whose core products and services, such as payment processing, digital banking, credit solutions, and software, do not have a direct positive or negative impact on physical or mental health. The company's business activities do not involve health-related products, services, or research
2
, and therefore do not carry inherent health risks requiring disclosure or specific accessibility considerations. There is no evidence of investment in health-specific innovation, health equity programs, healthcare workforce support, preventative health measures, or engagement in health education.
3
The company does not collect or manage health-related data
4
, nor are its operations directly relevant to global health crisis response. Its products do not have addiction potential, and it is not a pharmaceutical or food company, or a research organization conducting clinical trials.
5

Fair Money & Economic Opportunity

0

No evidence available to assess StoneCo Ltd. on Fair Money & Economic Opportunity.

Fair Pay & Worker Respect

0

The provided articles do not contain specific, quantitative data points for any of the KPIs under the 'Fair Pay & Worker Respect' value. While the company states policies such as guaranteeing freedom of association, promoting a diverse environment with equal pay for similar positions, and not tolerating various forms of exploitation, these are general statements of intent or policy rather than measurable outcomes.

1
Forward-looking goals, such as aiming to reduce accidents or increase representation, are also not considered evidence of current performance.
2
There is no evidence regarding living wage coverage, CEO-to-median pay ratio, collective bargaining share, safety incident rates, pay equity ratios, worker engagement scores, employee turnover rates, substantiated labor violation incidents, insecure contract share, or health insurance coverage percentages.
3

Fair Trade & Ethical Sourcing

0

No specific, quantifiable evidence was found in the provided articles for any of the KPIs related to Fair Trade & Ethical Sourcing. The articles contain policy statements and commitments, such as the company's non-tolerance for child exploitation, its commitment to ethical conduct in its value chain, and the existence of a supplier code of conduct.

1
However, they do not provide data on the percentage of fair-trade certified spend, audit frequency, number of substantiated forced or child labor incidents, traceability coverage, remediation speed, percentage of contracts with ethical clauses, share of spend on high-risk materials, or the percentage of procurement budget directed to diverse suppliers.
2
General statements of support or policy intentions are not sufficient to meet the quantitative thresholds of the rubric.

Honest & Fair Business

-20

StoneCo Ltd. settled a securities class action for $26.8 million in February 2026, alleging undisclosed and unsustainable lending practices.

1
The company has a Whistleblower Policy, adopted by its Audit Committee, which allows confidential or anonymous reporting of concerns related to accounting, auditing, and ethical violations through a dedicated hotline and website.
2
The policy explicitly prohibits retaliation and affirms employees' right to report to governmental agencies.
3
The Audit Committee oversees the treatment of concerns, maintaining a log and tracking investigations and resolutions.
4
The company also has an Anti-corruption policy, which is part of its Sustainability Standard approved by the Board of Directors in August 2024.
5
This standard states the company fosters a culture of ethical commitment, does not condone corruption, and offers training so employees act in accordance with its Code of Ethics.
6

Kind to Animals

0

StoneCo Ltd. is a financial technology company providing payment processing, digital banking, credit, and software solutions. Its core business model does not involve products or operations related to animal welfare, animal testing, animal-derived ingredients, or direct impact on wildlife habitats.

1
Therefore, all KPIs under the 'Kind to Animals' value are not applicable to the company's operations, and no specific evidence was found in the provided articles to suggest otherwise.
2

No War, No Weapons

-40

StoneCo Ltd. states it follows the principles of the Universal Declaration of Human Rights and the UN Guiding Principles on Business and Human Rights,

1
and became a signatory to the UN Global Compact in 2024.
2
The company's ethical red lines include not tolerating work in conditions analogous to slavery, child exploitation, inhuman and degrading working conditions, sexual exploitation of minors, and human trafficking throughout its value chain,
3
and it does not condone corruption or embezzlement.
4
It also does not tolerate prejudice, discrimination, or moral and sexual harassment.
5

Planet-Friendly Business

-40

StoneCo's total Scope 1, 2, and 3 greenhouse gas emissions were 28,000 tCO₂e in 2023, an increase from 19,000 tCO₂e in 2022.

1
Given its classification as a financial technology company in a low-carbon intensity industry, its emissions are considered not material.
2
The company has not disclosed specific carbon reduction targets or initiatives and is not participating in any tracked reduction initiatives.
3
StoneCo has started reporting climate information according to the Task Force on Climate-related Financial Disclosures (TCFD) recommendations.
4

Respect for Cultures & Communities

0

The provided articles do not contain specific, quantitative data points required to assess StoneCo Ltd. against any of the KPIs for 'Respect for Cultures & Communities'. While Article 2 mentions a general investment of '10M+' and 'Community engagement and investment in local social development projects', it does not provide this as a percentage of revenue, nor does it offer specific numbers for formal partnerships with indigenous or local community groups, details on cultural impact assessments, or any other metrics directly relevant to the rubric's KPIs.

1

Safe & Smart Tech

0

StoneCo Ltd. achieved compliance with the PCI Secure Software Standard for its D-TEF payment processing software, making it the first in Latin America to do so.

1
This indicates a standard approach to compliance for a critical system. The company does not explicitly mention a bug bounty program, but it has a security disclosure policy and a 'hall of thanks' for previous security researchers, suggesting a basic approach to vulnerability disclosure.
2
A vulnerability was reported that could potentially expose user data, which the company acknowledged and stated was under review.
3

Zero Waste & Sustainable Products

-30

The company has quantitative waste reduction targets, aiming to avoid the disposal of 1,200 tons of electronic waste and 1,000 tons of plastic waste through reverse logistics.

1

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.