StoneCo Ltd.

, we see the strengths and benefits of our strategy. We seek to continue innovating and evolving to extend our capabilities and expand our market reach. Through this, we diversified our business revenue offerings, as each product offer matured within each market segment. We expect this pattern to continue, making our company stronger and more resilient. We estimate that we still have a relevant opportunity ahead with the diversification of our payments business into other solutions such as banking and credit. Considering these products, we estimate that our TAM is higher than R$100 billion in revenues net of funding costs and credit losses in the MSMB segment as of September 2025. We also estimate that the micro segment revenue pool represents more than R$38 billion with a client pool larger than 11 million, while the SMB segment has the largest revenue pool opportunity, with R$69 billion and a client pool of approximately 4 million. Based on our internal estimates and publicly available data, we can see that by successfully executing our Five acts , we have the potential to multiply the penetration in our current addressable market. As a result of such expectations, we believe that our market share as of December 31, 2025 on each of our addressable market’s buckets is still small in comparison to our TAM. Table of Contents FORM 20-F 26FY25 71 When analyzing the Brazilian card industry specifically, processing volumes were R$4.5 trillion in 2025 according to ABECS data, resulting in a market share for us in 2025 of 10.3%.