StoneCo Ltd. (STNE) Q2 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good evening, everyone. Thank you for standing by. Welcome to StoneCo's second quarter 2025 earnings conference call. By now, everyone should have access to our earnings release. The company also posted a presentation to go along with its call. All material can be found online at investors.stone.co. Before we begin the call, I advise you to review the disclaimer included in the press release and presentation, which outlines important information about forward-looking statements and non-IFRS financial measures. In addition, many of the risks regarding the business are disclosed in the company's Form 20-F, filed with the Securities and Exchange Commission, which is available at www.sec.gov. In hindsight, I would like to highlight that the company is restricting the number of questions to two per analyst. Joining the call today is Stone's CEO, Pedro Zinner, the CFO and IRO, Matheus Scherer, the Strategy and Marketing Officer, Lia Matos, and the Head of IR, Roberta Noronha. I would now like to turn the conference over to your host, Pedro Zinner. Please proceed. Thank you operator and good evening everyone. To begin, before diving into our second quarter performance, I want to briefly discuss our recently announced software diversities and how this strategic move aligns with our future direction. As many of you may recall from our investor day in 2023, We outline our total addressable market across payments, banking, credit and software. Roughly, a 100 billion reais revenue opportunity. Our core focus remains on serving Brazil's more than 14 million micro, small and medium-sized business by providing solutions that meet their evolving needs and support their daily operations. We are now pursuing this mission with a much more focused approach and greater discipline in capi...