Creditas vs StoneCo
Creditas vs StoneCo, compared side by side on 16 data points: what each one does, how big it is, what it has raised, the tech running each site, and what users report. We score both out of 100 on traction, team and visibility: Creditas is on 76/100 and StoneCo on 67/100.
Where each one leads
Creditas
- our overall score: 76/100 against 67/100
- agent readiness: 55/100 against 21/100
- domain rating: 69/100 against 53/100
StoneCo
- headcount: 13,867 against 2,097
- funding raised: $1.5B against $40.0M
- LinkedIn following: 2,482,372 against 352,966
At a glance
| Measure | Creditas | StoneCo |
|---|---|---|
| What it is | Online platform for asset-backed consumer loans, offering secured credit with lower interest rates. | Brazilian fintech providing integrated financial and software solutions for merchants of all sizes. |
| Category | Fintech, Lending, Embedded Finance, Consumer Loans | Fintech, Payments, Digital Payments, Embedded Finance |
| Sells toBusiness model | B2C | B2B |
| Offering | Platform | Platform |
| Founded | 2012 | 2012 |
| Headquarters | São Paulo, Brazil | São Paulo, Brazil |
| Status | Active | Active |
Size, funding and growth
| Measure | Creditas | StoneCo |
|---|---|---|
| Employees | 2,097 | 13,867 |
| Headcount growthLast 12 months | Not published | +3.3% |
| Total funding | $40.0M | $1.5B |
| Latest round | Series B | IPO |
| Valuation | $4.8B | Not published |
| LinkedIn followers | 352,966 | 2,482,372 |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | Creditas | StoneCo |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 76/100 | 67/100 |
| Traction | Not published | 60/100 |
| Team | 36/100 | 60/100 |
| Community | Not published | 8/100 |
| Search visibility | 100/100 | 35/100 |
| Quality | Not published | 78/100 |
| Agent readinessHow well an AI agent can read and act on the site | D (55/100) | F (21/100) |
| Domain ratingLink authority, 0-100 | 69/100 | 53/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | Creditas | StoneCo |
|---|---|---|
| Hosting | Not detected | AWS |
| CDN | Cloudflare | Not detected |
| Frameworks | Next.js, React | Not detected |
| Analytics | Google Tag Manager, Segment, Amplitude, Linkedin Insight | Not detected |
| Support stack | Zendesk | Not detected |
What users say
| Measure | Creditas | StoneCo |
|---|---|---|
| Reddit sentimentThreads we track | Not published | 1 positive, 3 negative across 4 threads |
“StoneCo is a fairly dope SA fintech company with quality financials yet rapidly increasing short interest. The dumb fucks who think they can chip away at this little gem deserve to be eaten alive by the intrepid marketeers going in on share”r/wallstreetbets
Creditas vs StoneCo: common questions
Which is better, Creditas or StoneCo?
On our 0-100 score Creditas rates higher (76/100 against 67/100). The score weights traction, team, visibility and profile completeness, so it reflects company strength rather than which product suits you. We compare the two on 16 data points above: read the rows that match what you are buying for.
How do Creditas and StoneCo compare on the numbers?
Creditas leads on our overall score (76/100 against 67/100), agent readiness (55/100 against 21/100), domain rating (69/100 against 53/100). StoneCo leads on headcount (13,867 against 2,097), funding raised ($1.5B against $40.0M), LinkedIn following (2,482,372 against 352,966).
What do real users say about Creditas and StoneCo?
StoneCo: 1 positive and 3 negative mentions across 4 Reddit threads we track, mostly in r/wallstreetbets.
Read the full Creditas review and pricing or the StoneCo review and pricing. You can also browse other Creditas alternatives we track.