Analysts have different takes on StoneCo Ltd., a financial technology solutions provider. Scotiabank analyst Jason Mollin initiated coverage with a Sector Perform rating and a $22 price target, implying a 30 percent upside. Mollin rolled out coverage on a trio of Brazilian payments and fintech players, which he noted together represent about 50 percent of the Brazilian acquiring market’s total payment volume or TPV. He sees Stone starting to recover from lending issues and benefiting from Linx integration next year. His “conservative” full-year 2021 earnings estimate is more than 50 percent below consensus to incorporate a loss from issues managing credit collateral and stopping loan originations in Q3, as well as cost pressure from investments and higher funding costs. Grupo Santander analyst Henrique Navarro downgraded to Underweight from Hold with a price target of $17, down from $45, citing his cautious view on the acquiring sector. He sees no visibility …