7Baggers

StoneCo Ltd
(NASDAQ:STNE) 

STNE stock logo

StoneCo Ltd. provides financial technology solutions to clients and integrated partners to conduct electronic commerce across in-store, online, and mobile channels in Brazil. It distributes its solutions, principally through proprietary Stone Hubs, which offer hyper-local sales and services; and tec...

Founded: 2000
CEO: Felipe Salvini Bourrus  
Sector: Technology
Industry: Software-Application
Payment ServiceFinancial Services
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At a glance:
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Income Statements:
Quarterly
Annual
    Unit: USD2025-09-30 2025-06-30 2025-03-31 2025-03-18 2024-12-31 2024-11-12 2024-08-14 2024-05-13 2024-03-18 2023-12-31 2023-11-13 2023-08-16 2023-05-17 2023-03-14 2022-12-31 2022-11-17 2022-08-18 2022-06-02 2022-03-17 2021-12-31 2021-11-16 2021-08-30 2021-06-01 2021-03-11 2020-12-31 2020-10-29 2020-08-11 2020-05-26 2020-03-02 2019-12-31 2019-11-21 2019-03-18 2018-12-31 2018-11-26 
                                      
      continuing operations
    		                                  
      net revenue from transaction activities and other services
    		625,971,000 658,132,000 684,355,000 3,216,018,000 829,823,000 828,854,000 807,511,000 749,830,000 3,309,765,000 868,113,000 868,527,000 840,069,000 733,056,000 2,617,407,000 777,814,000 677,779,000 606,894,000 554,920,000 1,626,853,000 512,672,000 436,707,000 359,189,000 318,285,000 1,144,086,000 335,231,000 354,088,000 227,465,000 227,302,000 770,276,000 230,334,000 193,928,000 514,602,000 174,387,000 136,122,000 
      net revenue from subscription services and equipment rental
    		224,124,000 218,932,000 493,222,000 1,846,931,000 471,331,000 465,624,000 453,267,000 456,709,000 1,824,956,000 459,078,000 463,419,000 457,330,000 445,129,000 1,760,915,000 464,566,000 426,358,000 437,840,000 432,151,000 1,071,932,000 408,123,000 370,972,000 152,888,000 139,949,000 388,033,000 121,953,000 92,517,000 80,438,000 93,125,000 331,565,000 91,618,000 94,161,000 213,679,000 69,517,000 59,163,000 
      financial income
    		2,544,028,000 2,409,177,000 2,303,055,000 7,676,204,000 2,189,608,000 1,918,820,000 1,826,662,000 1,741,114,000 6,229,303,000 1,770,750,000 1,620,914,000 1,462,595,000 1,375,044,000 4,638,022,000 1,331,639,000 1,251,640,000 1,104,993,000 949,750,000 1,877,683,000 861,166,000 607,708,000 40,018,000 368,791,000 1,647,017,000 501,000,000 460,132,000 326,570,000 359,315,000 1,287,760,000 404,052,000 335,075,000 801,322,000 255,838,000 212,422,000 
      other financial income
    		172,667,000 214,677,000 189,312,000 518,301,000 118,675,000 143,935,000 118,434,000 137,257,000 690,979,000 150,741,000 187,022,000 194,789,000 158,427,000 572,601,000 132,079,000 152,667,000 154,417,000 133,438,000 247,293,000 91,063,000 54,251,000 61,337,000 40,642,000 140,687,000 43,216,000 27,578,000 32,879,000 37,014,000 186,367,000 56,850,000 47,985,000 49,578,000 29,628,000 6,376,000 
      total revenue and income from continuing operations
    		3,566,790,000 3,500,918,000                                 
      cost of services
    		-817,754,000 -850,390,000 -933,863,000 -3,389,127,000 -878,783,000 -859,044,000 -841,374,000 -809,926,000 -2,982,758,000 -802,694,000 -773,485,000 -685,302,000 -721,277,000 -2,669,752,000 -697,956,000 -671,258,000 -626,170,000 -674,368,000 -1,713,828,000 -646,129,000 -525,614,000 -302,415,000 -239,670,000 -769,946,000 -213,239,000 -208,053,000 -198,712,000 -149,942,000 -426,961,000 -128,302,000 -112,495,000 -323,039,000 -101,270,000 -80,708,000 
      administrative expenses
    		-233,716,000 -225,106,000 -277,934,000 -1,130,499,000 -303,284,000 -314,728,000 -255,487,000 -257,000,000 -1,188,869,000 -308,583,000 -278,338,000 -303,900,000 -298,048,000 -1,121,357,000 -327,159,000 -283,929,000 -272,020,000 -238,249,000 -813,341,000 -214,127,000 -359,762,000 -121,845,000 -117,607,000 -392,476,000 -122,453,000 -106,165,000 -89,914,000 -73,944,000 -285,788,000 -72,440,000 -71,207,000 -252,852,000 -73,350,000 -62,136,000 
      selling expenses
    		-527,170,000 -530,999,000 -593,097,000 -2,105,475,000 -549,112,000 -501,758,000 -524,930,000 -529,675,000 -1,698,275,000 -454,023,000 -442,433,000 -411,891,000 -389,928,000 -1,511,241,000 -406,147,000 -385,430,000 -335,922,000 -383,742,000 -1,012,544,000 -318,401,000 -308,223,000 -223,155,000 -162,765,000 -505,902,000 -139,857,000 -139,539,000 -114,678,000 -111,828,000 -360,612,000 -109,000,000 -101,653,000 -190,177,000 -58,727,000 -50,044,000 
      financial expenses
    		-1,147,095,000 -1,091,847,000 -1,096,690,000 -3,693,606,000 -1,035,473,000 -910,534,000 -851,052,000 -896,547,000 -3,999,465,000 -943,100,000 -1,058,882,000 -1,073,844,000 -923,639,000 -3,514,739,000 -911,513,000 -940,268,000 -954,711,000 -708,247,000 -1,269,058,000 -688,215,000 -330,745,000 -157,602,000 -92,496,000 -339,844,000 -64,189,000 -64,691,000 -62,597,000 -148,367,000 -353,451,000 -106,865,000 -101,175,000 -301,065,000 -75,052,000 -83,432,000 
      other income (expenses)
    		-39,005,000 -110,778,000 -131,124,000 -398,726,000 -108,126,000 -101,624,000 -80,920,000 -108,056,000 -241,213,000 -346,000 -82,616,000 -56,747,000 -101,504,000 -302,501,000 -109,049,000 -91,310,000 -70,315,000 -31,827,000 -185,894,000 -51,101,000 -29,105,000 776,995,000             
      gain on investment in associates
    		-1,191,000 -499,000 361,000 399,000 133,000 379,000 -424,000 311,000                      82,750 860,000 -445,000 -129,000 62,000 
      profit before income taxes from continuing operations
    		800,859,000 691,299,000                                 
      current income tax and social contribution
    		-155,040,000 -175,308,000 -133,048,000 -527,919,000 -158,016,000 -112,674,000 -151,377,000 -105,852,000 -345,813,000 -92,878,000 -135,182,000 -74,199,000 -43,554,000 -292,172,000 -46,015,000 -93,803,000 -84,544,000 -67,810,000 -171,621,000 -44,448,000 -42,605,000 -21,819,000 -62,749,000 -216,886,000 -55,368,000 -91,153,000 7,166,000 -77,531,000 -217,228,000 -82,407,000 -60,175,000 -154,882,000 -50,705,000 -54,607,000 
      deferred income tax and social contribution
    		22,326,000 71,176,000 12,198,000 38,498,000 59,450,000 -14,373,000 -2,009,000 -4,570,000 -24,585,000 10,861,000 42,985,000 -40,863,000 -37,568,000 153,066,000 -14,597,000 44,359,000 78,685,000 44,619,000 239,827,000 53,372,000 210,173,000 -34,776,000 11,058,000 -73,330,000 -6,953,000 -31,210,000 -43,409,000 8,242,000 -69,232,000 -16,273,000 -22,518,000 17,770,000 -1,513,000 14,139,000 
      net income for the period from continuing operations
    		668,145,000 587,167,000                                 
      net income for the period from discontinued operations
    		47,105,000 15,812,000                                 
      net income for the period
    		715,250,000 602,979,000 516,747,000  353,693,250 542,877,000 498,301,000 373,595,000  236,059,250 411,336,000 307,211,000 225,690,000  -151,307,750 197,067,000 -489,260,000 -313,038,000  -143,973,750 -1,260,214,000 526,004,000 158,315,000  132,836,500 249,126,000 123,601,000 158,619,000  135,058,500 191,345,000  44,540,500 90,448,000 
      net income attributable to:
    		                                  
      controlling shareholders from continuing operations
    		660,074,000 583,927,000                                 
      non-controlling interests from continuing operations
    		8,071,000 3,240,000                                 
      controlling shareholders from discontinued operations
    		46,700,000 14,582,000                                 
      non-controlling interests from discontinued operations
    		405,000 1,230,000                                 
      earnings per share of continuing operations
    		                                  
      basic earnings per share for the period attributable to controlling shareholders
    		2.49 2.17 1.84  1.155 1.82                             
      diluted earnings per share for the period attributable to controlling shareholders
    		2.43 2.12 1.8  1.133 1.78                             
      earnings per share of discontinued operations
    		                                  
      total revenue and income
    		  3,669,944,000 13,257,454,000 3,609,437,000 3,357,233,000 3,205,874,000 3,084,910,000 12,055,003,000 3,248,682,000 3,139,882,000 2,954,783,000 2,711,656,000 9,588,945,000 2,706,098,000 2,508,444,000 2,304,144,000 2,070,259,000 4,823,761,000 1,873,024,000 1,469,638,000 613,432,000 867,667,000 3,319,823,000 1,001,400,000 934,315,000 667,352,000 716,756,000 2,575,968,000 782,854,000 671,149,000 1,579,181,000 529,370,000 414,083,000 
      profit before income taxes
    		  637,597,000 -1,017,629,000 -2,823,257,000 669,924,000 651,687,000 484,017,000 1,970,818,000 738,200,000 503,533,000 422,273,000 306,812,000 -387,290,000 139,447,000 246,511,000 -483,401,000 -289,847,000 -1,445,554,000 -810,377,000 -1,427,782,000 582,599,000 210,006,000 1,127,662,000 368,421,000 371,489,000 159,844,000 227,908,000 1,090,655,000 362,641,000 274,038,000 442,339,000 179,283,000 130,916,000 
      controlling shareholders
    		  514,458,000 -1,515,222,000 -2,924,009,000 539,692,000 496,114,000 372,981,000 1,592,065,000 651,303,000 408,754,000 305,369,000                       
      non-controlling interests
    		  2,289,000 8,172,000 2,186,000 3,185,000 2,187,000 614,000 8,355,000 4,880,000 2,582,000 1,842,000 -949,000 -6,979,000 -12,000 -5,283,000 -1,870,000 186,000 -18,535,000 -6,835,000 -8,507,000 -3,172,000 -21,000 -16,625,000 -7,670,000 -5,775,000 -2,993,000 -187,000 963,000 1,013,000 156,000 3,995,000 -315,000 1,625,000 
      earnings per share
    		                                  
      mark-to-market on equity securities designated at fvpl
    		        30,574,000    30,574,000 -853,056,000 -114,482,000 111,505,000 -527,083,000 -322,996,000 -1,264,213,000                
      software business goodwill impairment loss
    		   -3,558,049,000                               
      total expenses
    		   -14,275,482,000     -10,080,006,000                          
      net income for the year
    		   -1,507,050,000     1,600,420,000     -526,396,000     -1,377,348,000     837,446,000     804,195,000   305,227,000   
      net income attributable to: - sum
    		   -1,507,050,000 -2,921,823,000 542,877,000  373,595,000 1,600,420,000 656,183,000 411,336,000 307,211,000 225,690,000 -526,396,000   -489,260,000 -313,038,000  -143,973,750 -1,260,214,000 526,004,000   132,836,500 249,126,000 123,601,000 158,619,000 804,195,000   305,227,000   
      basic earnings per share for the year attributable to controlling shareholders
    		   -5.02     5.09                          
      diluted earnings per share for the year attributable to controlling shareholders
    		   -5.02     4.74                          
      loss on investment in associates
    		        -4,179,000 -1,736,000 -595,000 -826,000 -1,022,000 -3,589,000 -345,000 -1,243,000 -1,324,000 -677,000 -10,437,000 -1,226,000 -2,793,000 -2,811,000 -3,607,000 -6,937,000 -3,024,000 -1,095,000 -1,539,000 -1,279,000 -810,000      
      owners of the parent
    		            226,639,000 -519,417,000 78,847,000 202,350,000 -487,390,000 -313,224,000 -1,358,813,000 -794,618,000 -1,251,707,000 529,176,000 158,336,000 854,071,000 313,770,000 254,901,000 126,594,000 158,806,000 803,232,000 262,948,000 191,189,000 301,232,000 127,380,000 88,823,000 
      basic earnings per share for the period attributable to owners of the parent
    		            0.72                      
      diluted earnings per share for the period attributable to owners of the parent
    		            0.7                      
      basic earnings per share for the year attributable to owners of the parent
    		             -1.67                     
      diluted earnings per share for the year attributable to owners of the parent
    		             -1.67                     
      18
    		              -1,851,585,000 -2,260,690,000                   
      fair value adjustment on equity securities designated at fvpl
    		                   -125,002,750 -1,341,178,000              
      other operating expenses
    		                      -41,516,000 -177,056,000 -90,217,000 -43,283,000 -40,068,000 -3,488,000 -57,691,000 -2,465,000 -11,441,000 -69,264,000 -41,559,000 -6,909,000 
      19
    		                          -505,969,000        
      other comprehensive income
    		                                  
      other comprehensive income that may be reclassified to profit or loss in subsequent periods
    		                                  
      accounts receivable from card issuers at fair value through other comprehensive income
    		                             -5,083,250 4,775,000 -13,969,000   
      other comprehensive income that will not be reclassified to profit or loss in subsequent periods
    		                                  
      net loss on equity instruments designated at fair value through other comprehensive income
    		                             -227,250 -582,000    
      other comprehensive income for the period, net of tax
    		                             -5,310,500 4,193,000  2,645,500 3,057,000 
      total comprehensive income for the period, net of tax
    		                             129,748,000 195,538,000  47,186,000 93,505,000 
      total comprehensive income attributable to:
    		                                  
      balance as of january 1, 2018
    		                             297,725.5 14,364    
      capital increase
    		                             810     
      repurchase of shares
    		                              -142,440    
      reclassification of share-based payments liability to equity
    		                              199,665    
      grant of share-based payments
    		                              19,615    
      other comprehensive income for the period
    		                                  
      balance as of september 30, 2018
    		                             298,535.5 91,204    
      balance as of december 31, 2018
    		                             1,360,011.75 135,502    
      share-based payments
    		                              23,142    
      balance as of september 30, 2019
    		                             1,360,011.75 158,644    
      gain on available-for-sale financial assets
    		                                  
      net gain on equity instruments designated at fair value through other comprehensive income
    		                               954,000   
      other comprehensive income for the year, net of tax
    		                               -13,015,000   
      total comprehensive income for the year, net of tax
    		                               292,212,000   
      total comprehensive income attributable to: - sum
    		                               292,212,000   
      accounts receivable from card issuers at fvoci
    		                                2,645,500 3,057,000 
      basic and diluted earnings per share for the period attributable to owners of the parent
    		                                  
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD2025-09-30 2025-06-30 2025-03-31 2025-03-18 2024-12-31 2024-11-12 2024-08-14 2024-05-13 2024-03-18 2023-12-31 2023-11-13 2023-08-16 2023-05-17 2023-03-14 2022-11-17 2022-08-18 2022-06-02 2022-03-17 2021-12-31 2021-11-16 2021-08-30 2021-06-01 2020-12-31 2020-10-29 2020-08-11 2020-05-26 2020-04-15 2020-03-02 2019-12-31 2019-11-21 2019-08-14 2019-05-13 2019-03-18 2018-12-31 2018-11-26 
                                         
        assets
      		                                   
        current assets
      		                                12,437.8   
        cash and cash equivalents
      		5,554,256,000 5,185,579,000 5,650,362,000 5,227,654,000 5,227,654,000 4,013,279,000 4,743,236,000 4,988,332,000 2,176,416,000 2,176,416,000 3,693,072,000 2,202,713,000 1,855,571,000 1,512,604,000  3,786,847,000 4,169,611,000 4,495,645,000 4,495,645,000 3,041,892,000 5,872,657,000 1,863,474,000 2,446,990,000 2,192,319,000 2,776,778,000 1,518,610,000  968,342,000 968,342,000 245,099,000 160,635,000 86,981,000 297.9  173,588,000 
        short-term investments
      		343,996,000 234,781,000 146,227,000 517,874,000 517,874,000 373,652,000 106,575,000 463,686,000 3,481,496,000 3,481,496,000 2,042,481,000 3,493,438,000 3,257,342,000 3,453,772,000  2,488,038,000 2,524,044,000 1,993,037,000 1,993,037,000 2,245,996,000 4,999,560,000 8,673,778,000 8,128,058,000 8,185,015,000 788,676,000 2,406,986,000  2,937,029,000 2,937,029,000 2,829,449,000 2,704,844,000 2,660,064,000 2,770.6  142,070,000 
        financial assets from banking solutions
      		1,627,678,000 1,627,798,000 2,138,961,000 8,805,882,000 8,805,882,000 7,558,492,000 6,967,814,000 6,620,250,000 6,397,898,000 6,397,898,000 4,576,651,000 4,099,308,000                        
        accounts receivable from card issuers
      		38,354,022,000 35,894,214,000 34,548,619,000 29,231,820,000 29,231,820,000 26,207,888,000 27,471,965,000 26,470,461,000 23,895,512,000 23,895,512,000 21,029,533,000 18,503,084,000 18,874,826,000 20,694,523,000  17,635,623,000 18,412,069,000 19,286,590,000 19,286,590,000 18,456,427,000 16,896,871,000 15,344,491,000 16,307,155,000 15,919,500,000 12,920,955,000 12,592,599,000  14,066,814,000 14,066,814,000 12,514,248,000 12,518,915,000 10,434,175,000 9,244.6 2,385,700,000 6,592,595,000 
        trade accounts receivable
      		235,298,000 230,074,000 416,447,000 390,575,000 390,575,000 381,379,000 438,289,000 448,949,000 459,947,000 459,947,000 559,220,000 440,946,000 459,492,000 484,722,000  521,927,000 658,795,000 886,126,000 886,126,000 1,256,039,000 1,412,449,000 1,804,912,000 1,415,850,000 1,358,117,000 662,208,000 504,323,000  249,417,000 249,417,000 81,341,000 52,773,000 47,273,000 44.6  36,630,000 
        credit portfolio
      		1,615,045,000 1,304,597,000 1,079,850,000 891,718,000 891,718,000                               
        recoverable taxes
      		518,694,000 421,596,000 432,787,000 372,432,000 372,432,000 376,004,000 182,707,000 216,143,000 146,339,000 146,339,000 118,354,000 220,054,000 207,865,000 150,956,000 230,558 211,009,000 202,674,000 230,558,000 230,558,000 148,936,000 90,291,000 56,047,000 56,365,000 60,124,000 127,467,000 61,963,000  50,426,000 50,426,000 67,313,000 90,798,000 52,031,000 56.9  36,286,000 
        derivative financial instruments
      		41,138,000 26,472,000 31,877,000 156,814,000 156,814,000 51,838,000 71,275,000 3,309,000 4,182,000 4,182,000 11,657,000 21,991,000 27,311,000 36,400,000  46,096,000 60,835,000 219,324,000    15,600,000 43,103,000 4,763,000  6,969,000  14,062,000 14,062,000 1,009,000 9,053,000 2,827,000 1.2   
        other assets
      		447,600,000 403,877,000 480,497,000 370,255,000 370,255,000 373,871,000 390,493,000 384,188,000 380,854,000 380,854,000 272,177,000 281,789,000 225,421,000 236,099,000  264,259,000 242,708,000 332,864,000 332,864,000 234,730,000 284,400,000 274,114,000 809,645,000 570,847,000 301,008,000 133,684,000  106,345,000 106,345,000 129,208,000      
        current assets - sum
      		48,737,727,000 45,328,988,000 44,925,627,000  45,965,024,000   39,937,726,000 37,152,601,000 37,152,601,000 32,423,008,000 29,390,100,000 29,067,489,000 30,659,203,000  27,935,900,000 28,916,556,000  29,960,173,000 27,352,196,000 30,555,569,000   28,346,795,000 17,699,344,000 17,343,975,000  18,404,898,000  15,889,167,000 15,576,454,000 13,318,382,000   7,025,964,000 
        assets classified as held for sale
      		4,185,395,000 4,353,398,000                                  
        non-current assets
      		                                855.4   
        long-term investments
      		37,123,000 20,839,000 32,174,000 32,629,000 32,629,000 32,629,000 32,410,000 46,253,000 45,702,000 45,702,000 47,070,000 33,077,000 33,825,000 214,765,000  221,457,000 915,480,000 1,238,476,000 1,238,476,000 1,999,967,000 3,340,370,000               
        receivables from related parties
      		524,000 524,000 582,000 613,000 613,000 628,000 714,000 2,193,000 2,512,000 2,512,000 4,820,000 11,984,000 10,253,000 10,053,000  5,021,000 4,872,000 4,720,000 4,720,000 4,586,000 9,176,000 9,765,000 7,200,000 9,230,000 7,661,000 22,302,000  12,837,000 12,837,000 7,652,000 7,916,000 7,970,000 8.1  9,734,000 
        deferred tax assets
      		1,161,343,000 1,089,038,000 1,033,865,000 871,640,000 871,640,000 692,799,000 755,589,000 681,296,000 664,492,000 664,492,000 608,940,000 558,055,000 616,107,000 679,971,000 431,755 660,429,000 498,087,000 431,755,000 431,755,000 316,331,000 225,574,000 150,061,000 138,697,000 117,977,000 155,935,000 206,468,000  192,781,000 192,781,000 240,410,000 261,994,000 268,252,000    
        investment in associates
      		72,683,000 74,900,000 77,852,000 75,751,000 75,751,000 79,139,000 79,177,000 86,352,000 83,010,000 83,010,000 114,482,000 107,237,000 109,081,000 109,754,000  66,689,000 65,572,000 66,454,000 66,454,000 67,680,000 68,498,000 83,363,000 51,982,000 55,006,000 20,103,000 26,963,000  28,242,000 28,242,000       
        property and equipment
      		1,744,143,000 1,823,349,000 1,880,315,000 1,833,997,000 1,833,997,000 1,760,401,000 1,728,204,000 1,698,390,000 1,661,897,000 1,661,897,000 1,655,857,000 1,700,423,000 1,790,653,000 1,641,178,000  1,680,647,000 1,641,830,000 1,569,520,000 1,569,520,000 1,301,325,000 972,059,000 892,312,000 717,234,000 646,153,000 601,262,000 594,554,000  548,607,000 548,607,000 478,896,000 375,782,000 335,393,000 266.3  252,789,000 
        intangible assets
      		1,952,475,000 1,912,361,000 5,481,598,000 5,458,102,000 5,458,102,000 8,952,124,000 8,904,988,000 8,791,224,000 8,794,919,000 8,794,919,000 8,732,816,000 8,697,243,000 8,627,534,000 8,632,332,000 8,370,313 8,587,366,000 8,446,456,000 8,370,313,000 8,370,313,000 8,218,847,000 1,139,826,000 1,059,618,000 1,039,886,000 773,954,000 694,636,000 381,798,000  373,699,000 373,699,000 367,150,000 323,404,000 312,717,000 307.7  306,738,000 
        non-current assets - sum
      		5,673,864,000 5,473,338,000 9,008,283,000  8,848,439,000   11,674,659,000 11,540,960,000 11,540,960,000 11,410,405,000 11,360,601,000 11,443,869,000 11,586,237,000  11,576,775,000 11,938,078,000  12,096,618,000 12,359,102,000 6,261,954,000   1,740,642,000 1,560,874,000 1,277,501,000  1,200,851,000  1,127,563,000 999,255,000 937,750,000   825,012,000 
        total assets
      		58,596,986,000 55,155,724,000 53,933,910,000 54,813,463,000 54,813,463,000 51,925,684,000 52,699,743,000 51,612,385,000 48,693,561,000 48,693,561,000 43,833,413,000 40,750,701,000 40,511,358,000 42,245,440,000 42,056,791 39,512,675,000 40,854,634,000 42,056,791,000 42,056,791,000 39,711,298,000 36,817,523,000 31,672,097,000 31,748,664,000 30,087,437,000 19,260,218,000 18,621,476,000  19,605,749,000 19,605,749,000 17,016,730,000 16,575,709,000 14,256,132,000 13,293.2 3,430,500,000 7,850,976,000 
        notes
      		         2,023,000         2,021,000                 
        liabilities and equity
      		                                   
        current liabilities
      		                                6,054.8   
        retail deposits
      		9,018,165,000 8,829,972,000 8,279,604,000 8,704,809,000 8,704,809,000 6,816,752,000 6,471,970,000                             
        accounts payable to clients
      		17,118,103,000 16,762,051,000 16,947,853,000 17,756,720,000 17,756,720,000 16,550,066,000 18,472,870,000 19,008,971,000 19,163,672,000 19,163,672,000 17,221,211,000 15,530,175,000 15,533,850,000 16,578,738,000  14,596,737,000 14,990,480,000 15,723,331,000 15,723,331,000 14,455,243,000 10,921,557,000 8,403,097,000 9,172,353,000 8,477,349,000 6,940,230,000 5,580,245,000  6,500,071,000 6,500,071,000 5,717,991,000 5,796,019,000 5,728,735,000 4,996.1  4,606,408,000 
        trade accounts payable
      		672,169,000 685,144,000 721,675,000 672,184,000 672,184,000 564,346,000 525,684,000 510,354,000 513,877,000 513,877,000 450,166,000 423,380,000 496,712,000 596,044,000  384,048,000 353,584,000 372,547,000 372,547,000 397,583,000 215,867,000 241,965,000 180,491,000 166,852,000 124,962,000 96,530,000  97,825,000 97,825,000 92,044,000 95,648,000 89,865,000 117.8  70,327,000 
        institutional deposits and marketable debt securities
      		4,573,845,000 3,116,578,000 2,853,000,000 3,065,999,000 3,065,999,000 1,763,481,000 1,443,932,000                             
        other debt instruments
      		3,058,179,000 1,999,391,000 2,086,061,000 1,903,840,000 1,903,840,000 1,053,492,000 1,594,018,000                             
        labor and social security liabilities
      		520,957,000 439,490,000 422,929,000 578,345,000 578,345,000 603,162,000 504,016,000 396,974,000 515,749,000 515,749,000 552,620,000 468,030,000 398,662,000 468,599,000  383,548,000 353,614,000 273,347,000 273,347,000 316,884,000 160,995,000 196,160,000 173,103,000 180,539,000 126,700,000 126,156,000  109,013,000 109,013,000 120,712,000 105,069,000 117,683,000 96.7  88,885,000 
        taxes payable
      		804,144,000 642,960,000 619,223,000 560,250,000 560,250,000 431,518,000 676,278,000 611,989,000 514,299,000 514,299,000 436,806,000 382,799,000 380,940,000 329,105,000  235,375,000 202,921,000 176,453,000 176,453,000 174,512,000 128,862,000 121,414,000 106,835,000 89,918,000 80,646,000 31,373,000  44,940,000 44,940,000 40,032,000 60,826,000 44,296,000 51.6  41,987,000 
        other liabilities
      		229,123,000 210,710,000 268,851,000 281,073,000 281,073,000 288,432,000 247,205,000 187,309,000 119,526,000 119,526,000 104,708,000 134,627,000 164,972,000 145,605,000 348,458 175,685,000 173,167,000 145,501,000 145,501,000 72,837,000 10,104,000 11,216,000 586,508,000 356,106,000 216,597,000 94,534,000  80,619,000 80,619,000       
        current liabilities - sum
      		36,347,755,000 32,924,696,000 32,319,832,000  33,533,813,000   29,282,276,000 29,142,746,000 29,142,746,000 25,527,795,000 23,107,207,000 23,049,212,000 25,174,139,000  22,072,070,000 23,281,156,000  22,789,845,000 19,789,133,000 15,698,794,000   12,196,255,000 11,286,366,000 10,229,577,000  11,872,527,000  8,767,725,000 8,206,063,000 7,322,608,000   4,988,556,000 
        liabilities associated with assets held for sale
      		770,326,000 757,383,000                                  
        non-current liabilities
      		                                2,145.5   
        deferred tax liabilities
      		289,216,000 290,892,000 786,153,000 680,672,000 680,672,000 600,411,000 613,826,000 559,424,000 546,514,000 546,514,000 506,897,000 504,888,000 506,524,000 500,247,000 617,445 564,920,000 486,015,000 617,445,000 617,445,000 654,331,000 170,369,000 69,392,000 61,086,000 37,600,000 20,401,000 16,852,000  10,687,000 10,687,000 100,455,000 97,134,000 76,315,000    
        provision for contingencies
      		207,919,000 186,105,000 255,812,000 237,406,000 237,406,000 247,583,000 233,201,000 225,802,000 208,866,000 208,866,000 230,262,000 212,505,000 199,169,000 210,376,000  189,069,000 180,918,000 181,849,000 181,849,000 42,090,000 8,393,000 12,034,000 10,150,000 9,682,000 9,703,000 9,139,000  9,564,000  3,822,000 2,995,000 2,057,000 1.2  894,000 
        non-current liabilities - sum
      		9,688,677,000 9,854,333,000 10,146,904,000  9,452,368,000   7,325,476,000 4,874,855,000 4,874,855,000 4,136,813,000 3,889,552,000 4,072,525,000 4,121,277,000  4,784,875,000 4,190,742,000  5,672,500,000 5,402,324,000 5,967,877,000   3,288,977,000 1,494,013,000 2,069,116,000  1,760,217,000  2,613,880,000 2,936,188,000 1,663,918,000   2,158,313,000 
        total liabilities
      		46,806,758,000 43,536,412,000 42,466,736,000 42,986,181,000 42,986,181,000 36,596,707,000 37,480,944,000 36,607,752,000 34,017,601,000 34,017,601,000 29,664,608,000 26,996,759,000 27,121,737,000 29,295,416,000 28,462,345 26,856,945,000 27,471,898,000 28,462,345,000 28,462,345,000 25,191,457,000 21,666,671,000 16,276,834,000 16,756,639,000 15,485,232,000 12,780,379,000 12,298,693,000  13,632,744,000 13,632,744,000 11,381,605,000 11,142,251,000 8,986,526,000 8,200.2 2,116,200,000 7,146,869,000 
        equity
      		                                   
        issued capital
      		76,000 76,000 76,000 76,000 76,000 76,000 76,000 76,000 76,000 76,000 76,000 76,000 76,000 76,000  76,000 76,000 76,000 76,000 76,000 76,000 76,000 75,000 75,000 62,000 62,000  62,000 62,000 62,000 62,000 62,000 0.1  46,000 
        capital reserve
      		14,173,640,000 14,153,208,000 14,232,542,000 14,215,212,000 14,215,212,000 14,107,223,000 14,084,356,000 14,065,927,000 14,056,484,000 14,056,484,000 13,930,590,000 13,888,793,000 13,869,939,000 13,818,819,000 14,516,767 13,747,620,000 13,850,961,000 14,516,767,000 14,516,767,000 14,485,433,000 14,441,525,000 13,809,616,000 13,479,722,000 13,481,116,000 5,623,655,000 5,588,212,000  5,443,786,000 5,443,786,000 5,375,015,000 5,368,886,000 5,360,005,000 5,351.9  1,047,829,000 
        treasury shares
      		-3,342,166,000 -2,902,211,000 -2,608,290,000  -1,805,896,000 -1,205,664,000 -490,752,000 -279,319,000 -282,709,000 -282,709,000 -15,168,000 -15,815,000 -69,085,000 -69,085,000  -191,664,000 -191,664,000 -1,065,184,000 -1,065,184,000 -1,065,184,000 -1,675,133,000 -308,440,000 -76,360,000 -76,360,000 -76,360,000 -47,597,000  -90,000 -90,000       
        other comprehensive income
      		-524,451,000 -420,855,000 -376,133,000  -287,048,000 -204,197,000 -468,014,000 -376,599,000 -320,449,000 -320,449,000 -319,722,000 -283,935,000 -270,160,000 -432,701,000  -281,602,000 -173,587,000 -35,792,000 -35,792,000 123,180,000 161,259,000 218,982,000 -5,002,000 -37,268,000 -47,122,000 -71,254,000  -72,335,000 -72,335,000 -77,576,000 -81,769,000 -64,887,000 -56.3  -32,651,000 
        retained earnings
      		1,473,381,000 766,607,000 168,098,000  -346,360,000 2,577,649,000 2,037,957,000 1,541,843,000 1,168,862,000 1,168,862,000 517,559,000 108,805,000 -196,564,000 -423,203,000  -704,400,000 -217,010,000 96,214,000 96,214,000 890,832,000 2,142,539,000 1,613,363,000 1,455,027,000 1,141,257,000 886,356,000 759,762,000  600,956,000 600,956,000 338,008,000 146,819,000     
        equity - sum
      		11,780,480,000 11,596,825,000                                  
        other comprehensive income associated with assets held for sale
      		-33,053,000 -30,226,000                                  
        equity attributable to controlling shareholders
      		11,747,427,000 11,566,599,000 11,416,293,000 11,775,984,000 11,775,984,000 15,275,087,000 15,163,623,000 14,951,928,000 14,622,264,000 14,622,264,000 14,113,335,000 13,697,924,000                        
        non-controlling interests
      		42,801,000 52,713,000 50,881,000 51,298,000 51,298,000 53,890,000 55,176,000 52,705,000 53,696,000 53,696,000 55,470,000 56,018,000 55,415,000 56,118,000 82,365 85,700,000 113,960,000 82,365,000 82,365,000 85,504,000 80,586,000 61,666,000 138,563,000 93,385,000 93,248,000 93,598,000  626,000 626,000 -384,000 -540,000 -447,000 -0.3  18,539,000 
        total equity
      		11,790,228,000 11,619,312,000 11,467,174,000 11,827,282,000 11,827,282,000 15,328,977,000 15,218,799,000 15,004,633,000 14,675,960,000 14,675,960,000 14,168,805,000 13,753,942,000 13,389,621,000 12,950,024,000 13,594,446 12,655,730,000 13,382,736,000 13,594,446,000 13,594,446,000 14,519,841,000 15,150,852,000 15,395,263,000 14,992,025,000 14,602,205,000 6,479,839,000 6,322,783,000  5,973,005,000 5,973,005,000 5,635,125,000 5,433,458,000 5,269,606,000 5,093 1,314,300,000 704,107,000 
        total liabilities and equity
      		58,596,986,000 55,155,724,000 53,933,910,000 54,813,463,000 54,813,463,000 51,925,684,000 52,699,743,000 51,612,385,000 48,693,561,000 48,693,561,000 43,833,413,000 40,750,701,000 40,511,358,000 42,245,440,000 42,056,791 39,512,675,000 40,854,634,000 42,056,791,000 42,056,791,000 39,711,298,000 36,817,523,000 31,672,097,000 31,748,664,000 30,087,437,000 19,260,218,000 18,621,476,000  19,605,749,000 19,605,749,000 17,016,730,000 16,575,709,000 14,256,132,000 13,293.2 3,430,500,000 7,850,976,000 
        loans operations portfolio
      		     653,745,000 474,243,000 342,408,000 209,957,000 209,957,000                          
        deposits from banking customers
      		       5,985,018,000 6,119,455,000 6,119,455,000 4,450,813,000 3,918,621,000 3,902,150,000 4,023,679,000  2,704,963,000 2,367,798,000 2,201,861,000 2,201,861,000 1,514,647,000 781,195,000 536,637,000              
        borrowing and financing
      		       1,663,547,000                            
        obligations to fidc quota holders
      		       567,655,000 505,231,000 505,231,000 323,983,000 318,021,000 634,677,000 975,248,000  981,986,000 1,294,544,000 1,294,806,000 1,294,806,000 1,379,311,000 969,350,000 1,460,522,000 1,960,121,000 2,070,426,000 2,586,989,000 2,429,283,000  2,090,894,000 2,090,894,000       
        borrowings and financing
      		        1,374,766,000 1,374,766,000                          
        prepaid expenses
      		          119,863,000 126,777,000 133,121,000 129,256,000  125,214,000 147,040,000 169,555,000 169,555,000 172,593,000 115,809,000 113,977,000 67,658,000 56,110,000 119,895,000 118,841,000  12,463,000 12,463,000 21,500,000 22,623,000 28,633,000 15.1  26,788,000 
        loans and financing
      		          1,645,363,000 1,591,316,000 1,295,488,000 1,847,407,000  2,416,897,000 3,144,351,000 2,578,755,000 2,578,755,000 1,461,486,000 2,503,990,000 1,931,186,000 1,184,737,000 842,128,000 1,193,697,000 1,830,489,000  2,947,811,000 2,947,811,000 1,036,051,000 984,298,000 768,587,000 761.1  5,484,000 
        financial assets from banking solution
      		            4,026,540,000 3,960,871,000  2,856,887,000 2,498,780,000 2,346,474,000 2,346,474,000 1,616,100,000 842,744,000 663,141,000              
        equity attributable to owners of the parent
      		            13,334,206,000 12,893,906,000 13,512,081 12,570,030,000 13,268,776,000 13,512,081,000 13,512,081,000 14,434,337,000 15,070,266,000 15,333,597,000 14,853,462,000 14,508,820,000 6,386,591,000 6,229,185,000  5,972,379,000 5,972,379,000 5,635,509,000 5,433,998,000 5,270,053,000 5,093.3  685,568,000 
        total current assets
      		              29,960,173                   3,209,800,000  
        total non-current assets
      		              12,096,618                   220,800,000  
        total non-current liabilities
      		              5,672,500                   553,700,000  
        derivative financial instruments assets
      		                  219,324,000 179,483,000 40,788,000    2,357,000           
        the accompanying notes are an integral part of these consolidated financial statements.
      		                                   
        derivative financial instruments liabilities
      		                  23,244,000 16,630,000 6,874,000    16,545,000           
        trade accounts receivable nc
      		                   92,229,000 168,542,000               
        other assets nc
      		                   132,823,000 103,150,000    81,277,000           
        accounts payable to clients nc
      		                   2,810,000 3,388,000               
        obligations to fidc quota holders nc
      		                   1,242,943,000 2,379,442,000     810,000,000  1,620,000,000 1,620,000,000       
        other liabilities nc
      		                   376,081,000 311,936,000    204,275,000 4,952,000  5,051,000 5,051,000       
        loans and financing nc
      		                        1,233,583,000           
        labor and social security liabilities nc
      		                        26,051,000           
        benefit from contingencies
      		                            9,564,000       
        investment in associate
      		                             21,709,000 19,161,000 4,254,000 2.2  2,986,000 
        obligations to fidc senior quota holders
      		                             1,740,466,000 1,139,831,000 549,897,000 16.6 531,100,000 52,722,000 
        other accounts payable
      		                             20,070,000 23,543,000 13,738,000 14.2  122,743,000 
        other accounts receivable
      		                              16,813,000 6,398,000 6.9  18,007,000 
        accumulated losses
      		                               -25,127,000 -202.3  -329,656,000 
        deferred income tax assets
      		                                262.7  248,894,000 
        share-based payments
      		                                  17,822,000 
        deferred income tax liabilities
      		                                80.2  80,264,000 
        statement of financial position data:
      		                                   
        cash and cash equivalents and short-term investments
      		                                 791,900,000  
        other current assets
      		                                 32,200,000  
        accounts payable to merchants
      		                                 1,289,300,000  
        other current liabilities
      		                                 273,200,000  
        total current liabilities
      		                                 1,562,500,000  
        other non-current liabilities
      		                                 22,600,000  
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2025-09-30 2025-06-30 2025-03-31 2025-03-18 2024-12-31 2024-11-12 2024-08-14 2024-05-13 2024-03-18 2023-12-31 2023-11-13 2023-08-16 2023-05-17 2023-03-14 2022-12-31 2022-11-17 2022-08-18 2022-06-02 2022-03-17 2021-12-31 2021-11-16 2021-08-30 2021-06-01 2021-03-11 2020-12-31 2020-10-29 2020-08-11 2020-05-26 2020-03-02 2019-12-31 2019-11-21 2019-08-14 2019-05-13 2019-03-18 2018-12-31 
                                           
          operating activities
        		                                   
          net income for the period
        		715,250,000 602,979,000 516,747,000   542,877,000 498,301,000 373,595,000 1,600.4  411,336,000 307,211,000 225,690,000 -526.4  197,067,000 -489,260,000 -313,038,000 -1,377.3  -1,260,214,000 526,004,000 158,315,000 837.4  249,126,000 123,601,000 158,619,000   191,345,000 171,853,000 177,036,000   
          adjustments to reconcile net income for the period to net cash flows:
        		                                   
          depreciation and amortization
        		232,020,000 270,888,000 258,399,000 949,394,000 244,002,000 263,833,000 224,224,000 217,335,000 878.2 221,043,000 222,956,000 221,688,000 212,494,000 800.3 214,758,000 203,825,000 196,881,000 184,862,000 507.4 111,579,000 213,977,000 97,371,000 84,442,000 256.3 71,354,000 61,552,000 63,194,000 60,194,000 163,396,000 55,692,000 43,855,000 34,126,000 29,723,000 92,333,000 27,859,000 
          deferred income tax and social contribution
        		-23,895,000 -71,988,000 -12,198,000 -38,498,000 -59,450,000 14,373,000 2,009,000 4,570,000 24.6 -10,861,000 -42,985,000 40,863,000 37,568,000 -153.1 14,597,000 -44,359,000 -78,685,000 -44,619,000 -239.8 -53,372,000 -210,173,000 34,776,000 -11,058,000 73.3 6,953,000 31,210,000 43,409,000 -8,242,000 69,232,000       
          gain on investment in associates
        		1,191,000 499,000 -361,000   -379,000 424,000 -311,000                            
          accrued interest, monetary and exchange variations
        		420,313,000 303,840,000 174,258,000 174,079,000 76,882,000 26,594,000 59,239,000 11,364,000                            
          provision for contingencies
        		47,187,000 37,510,000 24,435,000 61,226,000 -3,289,000 24,497,000   5.8 -20,650,000 21,376,000 23,078,000 -17,979,000 18.8  6,791,000 4,530,000 -2,950,000 4.3 -496,000 1,386,000 1,723,000 1,650,000 2.3 73,000 439,000 724,000 1,023,000 9,420,000  540,000 851,000 815,000 778,000 346,000 
          share-based payments expenses
        		                                   
          allowance for expected credit losses
        		95,788,000 101,784,000 45,443,000 143,451,000 24,476,000 16,468,000 48,305,000 54,202,000 160.2 60,579,000 67,151,000 21,613,000 10,852,000 88.6 13,347,000 23,830,000 51,373,000 22,000 72 32,596,000 20,527,000 10,473,000 8,376,000 35.6 9,194,000 5,414,000 11,302,000 9,722,000 33,926,000       
          loss on disposal of property, equipment and intangible assets
        		-961,000 -31,088,000 -4,152,000 29,365,000 23,576,000 -8,528,000 8,247,000 6,070,000 66.2 12,960,000 8,175,000 30,117,000 14,948,000 25.3 -54,000 1,417,000 28,469,000 -4,485,000 136.1 51,918,000 44,740,000 29,137,000 10,309,000 52.7 25,610,000 12,709,000 2,548,000 11,791,000 14,639,000 8,207,000 3,552,000 1,481,000 1,399,000 10,712,000 -12,658,000 
          effect of applying hyperinflation accounting
        		580,000 546,000 6,987,000 -184,000 -4,020,000 1,045,000 1,480,000 1,311,000                            
          loss on sale of subsidiary
        		   58,244,000 5,286,000 0 0 52,958,000 10.9     20.3     12.7 0 0               
          fair value adjustment in financial instruments at fvpl
        		-5,078,000 126,567,000 69,706,000 -441,478,000 -230,578,000 -4,272,000 -189,823,000 -16,805,000 96.6 0 2,566,000 8,172,000 85,825,000 1,179.5 58,705,000 -16,340,000 666,873,000 470,309,000 2,570.4 927,681,000 1,566,544,000 -151,050,000 227,243,000 -12.5 34,240,000 -41,610,000          
          fair value adjustment in derivatives
        		3,552,000 -127,884,000 -73,186,000 485,977,000 233,399,000 245,390,000 -3,441,000 10,629,000 20.3 7,189,000 4,516,000 4,022,000 4,593,000 90.8 -77,610,000 103,526,000 -7,059,000 71,964,000 105 19,575,000 90,230,000 -36,482,000 31,656,000 -5.8 -26,534,000 72,000 -26,002,000 46,706,000 -12,099,000 -12,058,000 7,574,000 -15,204,000 7,589,000   
          remeasurement of previously held interest in subsidiary acquired
        		0     -1,810,000             -15.8 0 -3,838,000   -3 0 0        -21,441,000 0 
          working capital adjustments:
        		                                   
          accounts receivable from card issuers
        		-2,211,175,000 -934,778,000 -4,851,329,000 -2,981,844,000 -2,476,408,000 1,853,435,000 -395,870,000 -1,963,001,000 32.3 -2,154,819,000 -1,713,679,000 1,284,807,000 2,615,995,000 740.2 -1,267,406,000 -632,169,000 1,382,590,000 1,257,175,000 -2,993.4 -570,038,000 -1,867,940,000 -1,533,502,000 978,069,000 -2,081.9 -368,594,000 -2,976,817,000 -271,210,000 1,534,676,000 -4,779,467,000 -1,511,560,000 34,867,000 -2,128,154,000 -1,174,620,000 -3,990,395,000 -2,629,312,000 
          receivables from related parties
        		132,000 198,000 152,000 27,974,000 4,483,000 15,761,000 -2,611,000 10,341,000 20.3 8,355,000 361,000 9,673,000 1,954,000 12.9 -2,431,000 9,005,000 2,461,000 3,877,000 1.1 1,475,000 215,000 1,105,000 -1,745,000 8.7 2,445,000 -1,435,000 15,093,000 -7,415,000 -1,132,000 -5,044,000 949,000 952,000 2,011,000 3,986,000 3,734,000 
          recoverable taxes
        		-67,533,000 9,893,000 -44,390,000 -244,000 27,822,000 -19,235,000 54,591,000 -63,422,000 139 -17,500,000 216,541,000 -9,374,000 -50,680,000 261.9 357,484,000 -58,389,000 -24,274,000 -12,954,000 -238.1 -166,924,000 -27,154,000 -39,827,000 -4,222,000 -18.6 -10,163,000 66,676,000 -26,702,000 -48,435,000 -67,791,000 -13,273,000 4,859,000 -56,929,000 -2,448,000 -98,695,000 -31,671,000 
          prepaid expenses
        		-8,550,000 71,685,000 -99,691,000 54,498,000 -33,355,000 19,437,000 82,373,000 -13,957,000 41.3 -25,363,000 20,066,000 19,815,000 26,792,000 153 6,145,000 32,759,000 45,353,000 68,709,000 -260.1 14,260,000 -42,604,000 9,296,000 -241,042,000 -106.4 -2,082,000 3,155,000 -1,054,000 -106,378,000 2,603,000 9,037,000 1,123,000 6,010,000 -13,567,000 -4,675,000 11,722,000 
          trade accounts receivable, banking solutions and other assets
        		203,879,000 1,076,161,000 6,343,218,000 810,748,000 839,551,000 -14,057,000 169,308,000 -184,054,000 205.1 160,257,000 55,382,000 7,865,000 -18,399,000 707.5 81,990,000 160,463,000 147,073,000 317,995,000 244.2 294,302,000 82,457,000 199,420,000 -331,998,000             
          credit portfolio
        		-321,809,000 -230,821,000 -147,372,000 -670,780,000                                
          accounts payable to clients
        		-2,029,850,000 -2,500,265,000 -2,956,000,000 -8,507,343,000 -808,614,000 -3,682,062,000 -2,237,939,000 -1,778,728,000 -3,382.1 259,202,000 153,268,000 -1,427,108,000 -2,367,437,000 -3,633.9 547,038,000 -1,042,563,000 -1,479,256,000 -1,659,156,000 4,276.3 385,602,000 2,927,900,000 2,078,646,000 -1,115,799,000 1,379.1 362,899,000 1,317,250,000 1,026,728,000 -1,327,778,000 245,866,000 409,792,000 -405,338,000 -228,350,000 469,762,000 570,132,000 174,281,000 
          taxes payable
        		272,589,000 114,915,000 162,294,000 -6,259,000 158,198,000 -374,756,000 54,192,000 156,107,000 169.7 103,322,000 -26,121,000 18,511,000 74,115,000 137.8 -305,615,000 259,490,000 90,573,000 93,377,000 247.4 124,111,000 27,329,000 31,058,000 64,901,000 270 61,342,000 35,035,000 96,949,000 76,688,000 238,967,000 79,816,000 31,496,000 76,121,000 51,534,000 183,921,000 77,399,000 
          labor and social security liabilities
        		80,615,000 63,896,000 -162,591,000 29,991,000 -27,237,000 88,740,000 84,569,000 -116,081,000 19.3 -47,307,000 74,223,000 67,294,000 -74,926,000 195.3 11,156,000 91,246,000 25,370,000 67,547,000 -37.4 -66,132,000 43,606,000 -36,533,000 21,686,000 110 22,049,000 73,709,000 5,195,000 9,000,000 39,713,000 15,733,000 15,643,000 -12,614,000 20,951,000 59,069,000 13,048,000 
          payment of contingencies
        		-30,054,000 -28,886,000 -13,747,000 -58,939,000 -14,029,000 -15,322,000 -22,232,000 -7,356,000  -6,261,000 -10,882,000                         
          trade accounts payable and other liabilities
        		91,444,000 -31,684,000 23,601,000 361,680,000 136,823,000 64,015,000 80,384,000 80,458,000 -79.9 -45,253,000 -32,677,000   323.6 84,129,000 223,273,000 6,690,000 9,527,000 40.8                 
          interest paid
        		-362,433,000 -240,118,000 -143,852,000 -782,437,000 -202,629,000 -266,323,000 -262,332,000 -51,153,000 -749.4 -269,165,000 -43,102,000 -303,671,000 -133,428,000 -430.4 -105,475,000 -72,757,000 -143,360,000 -108,806,000 -299.7 -118,802,000 -91,782,000 -42,611,000 -46,471,000 -177.6 -39,299,000 -28,025,000 -54,956,000 -55,309,000 -268,453,000 -150,845,000 -30,982,000 -66,053,000 -20,573,000 -141,447,000 -64,451,000 
          interest income received, net of costs
        		1,950,641,000 1,782,949,000 1,528,869,000 4,578,276,000 1,335,536,000 1,203,809,000 1,080,723,000 958,208,000 2,766.9 941,891,000 679,385,000 538,864,000 606,793,000 2,058.7 605,710,000 538,346,000 425,839,000 488,755,000 1,578.9 457,151,000 436,820,000 366,110,000 318,789,000 1,172.8 307,435,000 204,291,000 311,545,000 349,510,000 1,191,136,000 338,943,000 304,340,000 313,246,000 234,607,000 514,788,000 158,389,000 
          notes
        		0 0 2,025,000  0                               
          income tax paid
        		-112,882,000 -74,089,000 -108,038,000 -174,145,000 -54,499,000 -44,002,000 -11,458,000 -64,186,000 -116.1 -32,818,000 -36,022,000 -18,909,000 -28,385,000 -191.1 -37,031,000 -67,510,000 -41,955,000 -44,646,000 -128.2 -37,560,000 -21,432,000 -24,253,000 -44,957,000 -157.7 -29,969,000 -25,266,000 -49,301,000 -53,193,000 -171,313,000 -44,748,000 -33,664,000 -41,430,000 -51,471,000 -87,442,000 -56,837,000 
          net cash from operating activities
        		-1,045,515,000 387,599,000 624,331,000 -3,621,382,000                 1,778,870,000     -1,669,904,000 1,121,294,000 362,456,000 -2,651,781,000 -663,491,000 190,191,000 -1,883,634,000 -294,847,000 -2,415,583,000 -2,125,616,000 
          capital expenditures
        		-154,594,000 -211,313,000 -180,218,000 -764,482,000                 -86,292,000     -153,732,000 -90,760,000 -90,203,000 -333,568,000 -19,353,000 -197,211,000 -62,357,000 -54,647,000 -140,887,000 -15,589,000 
          free cash flows
        		-1,200,109,000 176,286,000 444,113,000 -4,385,864,000                 1,692,578,000     -1,823,636,000 1,030,534,000 272,253,000 -2,985,349,000 -682,844,000 -7,020,000 -1,945,991,000 -349,494,000 -2,556,470,000 -2,141,205,000 
          investing activities
        		                                   
          purchases of property and equipment
        		-154,594,000 -211,313,000 -180,218,000   -170,144,000 -210,290,000 -180,622,000 -736.2 -144,440,000 -55,293,000 -196,182,000 -340,329,000 -417.7 -65,111,000 -47,030,000 -168,789,000 -136,803,000 -1,083 -471,988,000 -86,292,000 -190,279,000 -334,431,000 -372.1 -37,443,000 -153,732,000 -90,760,000 -90,203,000 -333,568,000 -19,353,000 -197,211,000 -62,357,000 -54,647,000 -140,887,000 -15,589,000 
          purchases and development of intangible assets
        		-119,204,000 -107,657,000 -107,297,000 -507,278,000 -119,039,000 -127,894,000 -134,318,000 -126,027,000 -474.1 -140,883,000 -121,098,000 -136,011,000 -76,061,000 -305.5 -90,207,000 -62,227,000 -48,033,000 -105,045,000 -215.7 -75,723,000 -63,653,000 -34,197,000 -42,108,000 -83 -12,269,000 -28,172,000 -20,549,000 -21,975,000 -66,381,000 -18,725,000 -17,972,000 -17,701,000 -11,983,000 -44,838,000 -10,734,000 
          proceeds from short-term investments
        		-120,215,000 -77,624,000 374,089,000                                 
          sale of subsidiary, net of cash disposed
        		   -4,204,000                                
          proceeds from disposal of long-term investments – equity securities
        		   57,540,000 0 0    2,415,000 0                         
          proceeds from the disposal of non-current assets
        		-62,000 49,000 17,000 1,746,000 -2,648,000 178,000 4,175,000 41,000 0.5 21,000 270,000 39,000 206,000 27 3,934,000 2,522,000 176,000 20,376,000 0.1 1,416,000 -1,416,000 5,000 95,000 7.1 577,000 1,701,000   1,104,000 95,000 138,000 640,000 231,000 13,421,000 9,116,000 
          acquisition of subsidiary, net of cash acquired
        		0   -9,054,000 0 0        -69.8 -1,000 -7,463,000 -20,518,000 -41,855,000 -4,737.4 0 -4,727,942,000   -247.4 -162,091,000 -27,965,000        -2,940,000 0 
          payment for interest in subsidiaries acquired
        		-8,493,000 -94,000 -7,283,000 -181,365,000 -19,128,000 -10,329,000 -133,998,000 -17,910,000                            
          net cash from investing activities
        		-384,045,000 -398,632,000 79,308,000 1,587,490,000   -66,849,000 2,700,429,000 -845.4 -1,705,425,000 1,316,438,000 -508,065,000 51,616,000 -1,871.1 -833,067,000 -276,697,000 -10,312,000 -751,066,000 -2,977.2 -253,628,000 -2,961,440,000 863,736,000 -625,865,000 -5,809 -122,164,000 -7,623,866,000 1,442,596,000 494,463,000 -437,564,000 -125,037,000 -298,122,000 -104,694,000 90,289,000 -2,737,105,000 -2,636,859,000 
          financing activities
        		                                   
          proceeds from institutional deposits and marketable debt securities
        		2,946,906,000 840,723,000 989,426,000 6,585,937,000 2,435,588,000 3,178,668,000                              
          payment of institutional deposits and marketable debt securities
        		-2,225,712,000 -456,329,000 -726,988,000 -2,713,574,000 -840,864,000 -1,834,017,000                              
          proceeds from other debt instruments, except lease
        		1,989,303,000 439,656,000 1,514,936,000 5,997,721,000 1,510,458,000 479,999,000                              
          payment of other debt instruments, except lease
        		-595,081,000 -439,656,000 -1,175,449,000                                 
          payment of principal portion of leases liabilities
        		-13,348,000 -26,400,000 -24,062,000 -68,971,000 -15,743,000 -25,046,000 -14,576,000 -13,606,000                            
          payment of derivative financial instruments designated for hedge accounting
        		   -112,771,000 1,000                               
          repurchase of own shares
        		-465,234,000 -397,864,000 -843,411,000 -1,587,332,000 -608,339,000 -742,467,000   -292.7       0                    
          premium received in option transactions over own equity instruments
        		                                   
          acquisition of non-controlling interests
        		   -146,000 -218,000 0   -1.4 -71,000 -194,000 -287,000 -888,000 -0.3 695,000 -329,000 -386,000 -305,000 -1.3 -365,000 -298,000 -341,000 -261,000 -1 -310,000 -223,000 -267,000 -212,000 -923,000 -264,000 -204,000 -241,000 -214,000 -30,773,000 -7,573,000 
          dividends paid to non-controlling interests
        		-3,660,000 -3,112,000 -3,039,000 -10,454,000 -4,277,000 -3,149,000 -285,000 -2,743,000 -6 -2,246,000 -1,802,000 -527,000 -1,408,000 -3.6 -1,500,000 -1,168,000 -126,000 -807,000 -3 -1,316,000 -749,000   -0.9     -4,000       
          net cash from financing activities
        		1,648,030,000 -42,982,000 -268,587,000 5,040,586,000 1,996,547,000 -58,285,000 517,693,000 2,584,631,000 -148.8 612,086,000 110,964,000 15,432,000 -887,278,000 -2,810.1 -351,059,000 -991,873,000 -1,111,131,000 -356,069,000 1,419.4 1,115,326,000 -1,633,117,000 1,783,312,000 153,916,000 7,216.2 115,802,000 8,708,039,000 -1,303,318,000 -304,357,000 3,757,949,000 1,510,841,000 190,314,000 2,063,156,000 -6,362,000 4,794,888,000 4,877,873,000 
          effect of foreign exchange on cash and cash equivalents
        		-6,787,000 -10,627,000 -12,344,000 44,544,000 -2,098,000 26,597,000 20,131,000 -86,000 10.3 -6,697,000 -472,000 7,272,000 10,233,000 14.5 10,527,000 -5,984,000 24,071,000 -14,066,000 -0.5 -2,931,000 -15,078,000 39,928,000 -22,406,000 15 18,395,000 1,272,000 -2,404,000 -2,294,000 1,809,000 930,000 2,081,000 -1,174,000 -28,000 13,777,000 8,943,000 
          change in cash and cash equivalents
        		211,683,000 -64,642,000 422,708,000 3,051,238,000 1,214,375,000 -729,957,000 -245,096,000 2,811,916,000 663.8 -1,516,656,000 1,490,359,000 347,142,000 342,967,000 -2,983 -830,556,000 -1,443,687,000 -382,764,000 -326,034,000 2,048.7 1,453,753,000 -2,830,765,000 4,009,183,000 -583,516,000 1,478.6 254,671,000 -584,459,000 1,258,168,000 550,268,000 670,413,000 723,243,000 84,464,000 73,654,000 -210,948,000 -344,023,000 124,341,000 
          cash and cash equivalents at beginning of period
        		0 0 5,227,654,000   0 0 2,176,416,000 1,512.6  0 0 1,512,604,000 4,495.6  0 0 4,495,645,000 2,447    2,446,990,000 968.3  0 0 968,342,000   0 0 297,929,000   
          cash and cash equivalents at end of period
        		211,683,000 -64,642,000 5,650,362,000   -729,957,000 -245,096,000 4,988,332,000 2,176.4  1,490,359,000 347,142,000 1,855,571,000 1,512.6  -1,443,687,000 -382,764,000 4,169,611,000 4,495.6    1,863,474,000 2,447  -584,459,000 1,258,168,000 1,518,610,000   84,464,000 73,654,000 86,981,000   
          share-based payments expense
        		 96,876,000 87,129,000 232,672,000 74,313,000 68,203,000 64,373,000 25,783,000 251.2 69,594,000 61,120,000 50,407,000 70,118,000 189.1 59,728,000 52,357,000 39,107,000 37,858,000 133.2 41,234,000 40,737,000 29,035,000 22,148,000  11,686,000 12,132,000 605,000 7,085,000 30,787,000 7,645,000 6,129,000 8,881,000 8,132,000 46,091,000 21,275,000 
          net income for the year
        		   -1,507,050,000                         804,195,000     305,227,000  
          adjustments to reconcile net income for the year to net cash flows:
        		                                   
          loss on investment in associates
        		   -399,000     4.2 1,736,000 595,000 826,000 1,022,000 3.6 345,000 1,243,000 1,324,000 677,000 10.4 1,226,000 2,793,000 2,811,000 3,607,000 6.9 3,024,000 1,095,000 1,539,000 1,279,000 810,000 1,141,000 -860,000   445,000 129,000 
          software business goodwill impairment loss
        		   3,558,049,000                                
          remeasurement of previously held interest on business combination
        		   -7,406,000                                
          others
        		        1.2                           
          purchases and construction of property and equipment
        		   -764,482,000                                
          proceeds from (acquisition of) short-term investments
        		   2,994,587,000 -135,043,000 -258,617,000 359,096,000 3,029,151,000 181.6 -1,418,757,000 1,494,022,000 -147,188,000 253,534,000 -1,222.4 -665,332,000 -152,100,000 75,741,000 -480,673,000 5,371    -213,744,000  90,015,000 -7,379,700,000 1,619,325,000 601,218,000 -21,930,000 -81,717,000 -78,658,000 -18,793,000 157,238,000 -2,557,312,000  
          acquisition of equity securities
        		             -15 0 0   -2,480 0 0               
          payment to other debt instruments, except lease
        		   -3,049,824,000 -480,059,000 -999,501,000                              
          sale of own shares
        		             53.4    53,406,000                  
          cash and cash equivalents at beginning of year
        		   2,176,416,000                         297,929,000     641,952,000  
          cash and cash equivalents at end of year
        		   5,227,654,000                         968,342,000     297,929,000  
          other
        		          -49,000                         
          loans operations portfolio
        		     -149,194,000 -121,324,000 -193,079,000 -312.8                           
          net cash from in operating activities
        		     -131,463,000 -716,071,000 -2,473,058,000  -416,620,000 63,429,000 832,503,000 1,168,396,000   -169,133,000 714,608,000 795,167,000     -89,161,000             
          sale of subsidiary, net of cash disposed of
        		     0 0 -4,204,000      -4.3      -1,000 2,000               
          provision (reversal) for contingencies
        		       16,144,000                            
          proceeds from borrowings
        		       1,017,875,000 5,181.6 1,245,676,000 1,137,714,000 1,748,239,000 1,049,990,000 3,500 250,000,000 499,993,000 1,250,000,000 1,499,993,000 11,700.3 5,714,889,000 700,000,000 4,176,408,000 1,109,000,000 3,996.8 390,000,000 150,000,000 567,679,000 2,889,141,000 2,958,838,000 2,120,190,000 838,198,000   746,909,000  
          payment of borrowings
        		       -790,140,000 -4,489.7 -507,994,000 -1,000,477,000 -1,400,578,000 -1,580,632,000 -5,009.8 -268,076,000 -1,143,141,000 -2,028,780,000 -1,569,772,000 -7,252.2 -4,162,844,000 -1,581,146,000 -1,148,236,000 -360,000,000 -5,381.1 -50,000,000 -1,244,000,000 -1,217,130,000 -2,870,000,000 -801,849,000 -590,270,000 -210,193,000 -1,157,000 -229,000 -3,665,000 -2,878,000 
          proceeds from fidc quota holders
        		       2,406,548,000 564.8 241,106,000         584.2 0 0 336,257,000 247,934,000 2,716.1 216,138,000    1,640,000,000       
          payment to fidc quota holders
        		       -33,303,000 -1,032.5 -69,999,000 -317,504,000 -312,500,000 -332,500,000 -1,250 -312,500,000 -312,500,000 -312,500,000 -312,500,000 -2,767.6 -414,252,000 -733,300,000 -810,000,000 -810,000,000 -2,059.5 -413,167,000           
          adjustments on net income:
        		                                   
          interest, monetary and exchange variations
        		        -195.4  -31,323,000 -44,267,000 -131,572,000 -382.7 -22,790,000 -138,454,000 -113,044,000 -108,419,000 -735.1 -91,938,000 -151,700,000 -221,830,000 -269,657,000 -283.9 -141,224,000           
          effect of applying hyperinflation
        		        3.7  1,252,000 -14,000 1,209,000 3.9 1,376,000 951,000 403,000 1,122,000 2 767,000                
          net cash from operating activity
        		        1,647.7     1,683.7     3,606.9     56.5            
          disposal of short and long-term investments - equity securities
        		        220.5     183.5     209.3                 
          acquisition of interest in associates
        		        -37.8     -46.9 -12,025,000 -13,321,000 -14,485,000 -7,066,000 -41.5 0 -2,896,000 -2,886,000 -35,677,000 -44.4 -953,000 -35,998,000 -12,896,000 5,423,000 -16,789,000 -5,337,000 -4,419,000 -6,483,000 -550,000 -4,549,000 -3,084,000 
          payment of leases
        		        -72.8  -30,419,000 -18,915,000 -21,840,000 -99.8 -19,678,000 -34,728,000 -19,339,000 -26,084,000 -83.6 -20,786,000 -17,624,000 -13,130,000 -32,070,000 -41.4 -13,279,000 -13,561,000 -8,254,000 -6,279,000 -38,023,000 -18,721,000 -7,937,000 -5,446,000 -5,919,000   
          payment for interest in associates and subsidiaries acquired in prior periods
        		                                   
          payment of principal portion of lease liabilities
        		                                   
          transaction with non-controlling interests
        		                  230.5 0 0 0 230,500,000             
          cash proceeds from non-controlling interest
        		                  0.9 0 0 0 893,000 230.9 398,000           
          additional payment for interest in associates and subsidiaries
        		                                   
          payment for interest in associates and subsidiaries
        		                                   
          other liabilities
        		            1,234,000        -42,277,000 -4,239,000 46,755,000 31.8 -27,855,000 46,287,000 24,604,000 -11,246,000 -3,434,000 16,723,000 2,453,000     
          disposal of long-term investments – equity securities
        		            218,105,000                       
          acquisition of interest in associates and subsidiaries
        		            -3,839,000                       
          capital increase, net of transaction costs
        		                       7,832.6 -12,983,000         4,229,153,000  
          benefit from contingencies
        		                                   
          net cash (used in) / provided by in operating activities
        		                                   
          disposal of short- and long-term investments – equity securities
        		              0 2,922,000    0 0               
          repurchase of shares
        		                  -988.8 0 0 -756,744,000 -232,080,000 -76.4 -91,000 0 -28,763,000 -47,507,000 -90,000     -142,440,000 -79,210,000 
          working capital adjustments
        		                                   
          proceeds from short- and long-term investments
        		                    1,920,757,000               
          cash and cash equivalents at beginning of the period
        		                    0               
          cash and cash equivalents at end of the period
        		                    -2,830,765,000               
          share based payments expense
        		                       31.5            
          trade accounts receivable and other assets
        		                       -1,362.4 -335,921,000 -517,067,000 -216,006,000 -293,362,000 -284,982,000 -199,361,000      
          proceeds from (acquisition of) short term investments
        		                       -5,069.1            
          impairment of intangible assets
        		                                 4,764,000  
          other financial costs and foreign exchange
        		                          55,097,000 1,604,000 110,744,000 55,045,000 28,418,000 28,938,000 -1,657,000 126,756,000 23,770,000 
          amortization to fidc quota holders
        		                          -616,583,000 -500,000,000        
          cash proceeds from non-controlling interest and gain on dilution
        		                          0 230,500,000        
          fair value adjustment in financial instruments
        		                           7,365,000 -17,446,000       
          proceeds from the disposal of assets held for sale
        		                                   
          deferred income tax expenses
        		                              22,518,000 35,696,000 -5,255,000 -17,770,000 1,513,000 
          allowance for doubtful accounts
        		                              6,615,000 15,700,000 4,517,000 14,271,000 -1,416,000 
          onerous contract
        		                                 -415,000 0 
          proceeds from (acquisition of) subsidiary, net of cash acquired
        		                                   
          proceeds from fidc senior quota holders
        		                              20,000,000   10,000,000 0 
          trade and other accounts receivable
        		                               -33,251,000 -6,842,000 -36,855,000  
          accounts payable to related parties
        		                                   
          trade and other accounts payable
        		                                -26,490,000 50,910,000  
          fair value adjustment to derivatives
        		                                 -609,000  
          payment of finance leases
        		                                 -14,296,000 -5,288,000 
          other accounts receivable
        		                                   
          other accounts payable
        		                                   
          acquisition of (proceeds from) short-term investments
        		                                   
          capital increase