DLocal Limited (DLO)
POSITIVEFundamental
78
Price
$15.30
Market Cap
$4.45B
Part 1 · What the company is worth
Overview
DLocal Limited, together with its subsidiaries, provides payment processing services worldwide. The company offers a robust pay-in solution to help global merchants expand their online presence and receive payments, including international and local cards, online bank transfers, direct debit, cash, and hundreds of alternative payment methods (APMs). It also provides pay-in solutions for cross-border and local-to-local transactions, as well as pay-out solutions. In addition, the company offers dLocal for Platforms to manage global platform payments. It serves its products to commerce, streaming, ride-hailing, financial services, remittances, advertising, SaaS, travel, e-learning, on-demand delivery, gaming, and crypto industries. The company was founded in 2016 and is headquartered in Montevideo, Uruguay.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$1.21B
Trailing 12 months (through 3/31/2026)
Net Income
$192M
Trailing 12 months (through 3/31/2026)
Free Cash Flow
$407M
Total Equity
$334M
Total Liabilities
$67M
Current Ratio
1.25
Interest Coverage
-
Debt/EBITDA
0.28
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$79.03
Current Price
$15.30
Margin of Safety
+80.6%
Fair Value Range
$51.37 - $106.69
Estimation Methods
Valuation Metrics
P/E Ratio
22.25
ROE
41.3%
P/B Ratio
8.06
P/FCF
6.62
Gross Margin
34.3%
ROIC
42.8%
Profitability Radar
Value Creation (Economic Moat)
ROIC
42.8%
WACC
9.0%
ROIC − WACC
+33.9 pp
ROIC exceeds the cost of capital — the company is creating value for shareholders.
Fundamental Analysis Criteria
Passed (15)
- ROIC 42.8%
- Gross Margin 34.3%
- P/FCF 6.62
- Debt/Equity ratio
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Debt/EBITDA
- DCF valuation (Undervalued)
- ROE 37.0%
- Revenue Growth 5Y 60.0%
- Analyst Consensus 87% Buy
- PEG Ratio 0.49
- Earnings Quality (OCF/NI) 2.18
- Net Margin Trend 18.0% vs 16.1%
Failed (4)
- Price CAGR -15.73%
- P/B Ratio 8.06
- Earnings Surprise avg -3.5%
- Piotroski F-Score 2/9
Unavailable (8)
- EPS data insufficient
- Dividend Payout NaN%
- Operating Margin NaN%
- Interest Coverage
- Return on Tangible Assets
- Low reliance on intangibles
- Price below Graham Number
- Share Dilution (missing shares data)
Piotroski F-Score
Serious financial concerns
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Pedro Arnt | CEO & Director | 51 |
| Mr. Sergio Enrique Fogel Kaplan | Co-Founder & Strategic Advisor | 61 |
| Mr. Guillermo Lopez Perez | Chief Financial Officer | 49 |
| Mr. Carlos J. Menendez | Chief Operating Officer | 55 |
| Mr. Alberto Almeida | Chief Technology Officer | 37 |
| Mirele de Aragao | Head of Investor Relations | - |
| Ms. Gabriela Vieira | Chief Legal & Compliance Officer | 36 |
| Mr. John O'Brien | Chief Revenue Officer | 40 |
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for DLO, sourced from Markets Gazette.
- 5/14/2026NEUTRALDLocal Q1 2026 Earnings Call Transcript
dLocal Limited has released its Q1 2026 Earnings Call Transcript. While the transcript itself is a factual record of the discussion, it does not inherently contain forward-looking guidance or specific financial results that would immediately impact the stock price. Investors will need to analyze the content of the transcript for any qualitative insights into business performance, strategic developments, or management outlook that may not have been fully captured in prior earnings releases. The absence of new quantitative data makes this a neutral signal pending further analysis of the transcript's details.
- 3/19/2026POSITIVEDLocal Shares Rise On Q4 Revenue Beat, Buyback Plan
DLocal's stock surged following its Q4 earnings report, which showcased a revenue beat against analyst expectations. The company also unveiled a substantial $300 million share buyback program, signaling strong confidence in its financial health and future prospects. This dual announcement suggests robust operational performance and a commitment to returning value to shareholders. Investors are likely to view the buyback as a positive catalyst, potentially driving the stock price higher by reducing the number of outstanding shares and increasing earnings per share.
via Markets Gazette