StoneCo Ltd. (STNE) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.638 Good evening, everyone. Thank you for standing by. 00:00:02.638 -- 00:00:08.472 Welcome to StoneCo's fourth quarter and fiscal year 2025 earnings 00:00:08.472 -- 00:00:13.826 conference call. By now, everyone should have access to our earnings release. 00:00:13.826 -- 00:00:18.374 The company also posted a presentation to go along with its call. 00:00:18.374 -- 00:00:22.757 All material can be found online at investors.stone.co. 00:00:23.982 -- 00:00:28.549 Before we begin the call, I advise you to review the disclaimer included in the press 00:00:28.549 -- 00:00:33.596 release and presentation, which outlines important information about forward-looking 00:00:33.596 -- 00:00:37.021 statements and non-IFRS financial measures. 00:00:37.021 -- 00:00:41.887 In addition, many of the risks regarding the business are disclosed in the company's 00:00:41.887 -- 00:00:47.174 Form 20-F, filed with the Securities and Exchange Commission, which is available 00:00:47.174 -- 00:00:49.735 at www.sec.gov. 00:00:51.540 -- 00:00:55.986 In hindsight, I would like to highlight that the company is restricting the number of 00:00:55.986 -- 00:01:01.613 questions to one per analyst. Joining the call today is StoneCo's 00:01:01.613 -- 00:01:07.342 former CEO, Pedro Zinner, the incoming CEO, Mateus Scherer, the CFO 00:01:07.342 -- 00:01:12.729 and IRO, Diego Salgado, and the head of IR, Roberta Noronha. 00:01:12.729 -- 00:01:17.974 I would now like to turn the conference over to Pedro Zinner. 00:01:20.159 -- 00:01:23.664 Thank you, operator, and good evening, everyone. 00:01:23.664 -- 00:01:28.913 This call marks the conclusion of my journey as CEO of Stone, and the beginning 00:01:28.913 -- 00:01:33.859 of a new chapter as I transitioned leadership to Math...