StoneCo Ltd. (STNE) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.794 Good evening, everyone. Thank you for standing by. 00:00:02.794 -- 00:00:08.080 Welcome to StoneCo's third quarter 2025 earnings conference 00:00:08.080 -- 00:00:13.806 call. By now, everyone should have access to our earnings release. 00:00:13.806 -- 00:00:18.651 The company also posted a presentation to go along with its call. 00:00:18.651 -- 00:00:22.814 All material can be found online at investors.stone.co. 00:00:23.808 -- 00:00:28.375 Before we begin the call, I advise you to review the disclaimer included in the press 00:00:28.375 -- 00:00:33.664 release and presentation, which outlines important information about forward-looking 00:00:33.664 -- 00:00:37.930 statements and non-IFRS financial measures. 00:00:37.930 -- 00:00:42.738 In addition, many of the risks regarding the business are disclosed in the company's 00:00:42.738 -- 00:00:48.047 Form 20-F, filed with the Securities and Exchange Commission, which is available 00:00:48.047 -- 00:00:50.567 at www.scc.gov. 00:00:52.495 -- 00:00:56.781 In hindsight, I would like to highlight that the company is restricting the number of 00:00:56.781 -- 00:01:00.286 questions to one per analyst. 00:01:00.286 -- 00:01:05.934 Joining the call today is Stone's CEO, Pedro Zinner, the CFO and IRO, 00:01:05.934 -- 00:01:11.181 Matheus Scherer, the Strategy and Marketing Officer, Lia Matos, 00:01:11.181 -- 00:01:14.486 and the Head of IR, Roberta Noronha. 00:01:14.486 -- 00:01:18.732 I would now like to turn the conference over to your host, Pedro Zinner. 00:01:18.732 -- 00:01:21.032 Please proceed. 00:01:22.499 -- 00:01:25.823 Thank you, operator, and good evening, everyone. 00:01:25.823 -- 00:01:31.131 I'd like to start with a brief update on our key performance metrics and our capital 00:...