DLOCAL LTD (DLO) Fundamental Analysis & Valuation

NASDAQ:DLO • KYG290181018

Current stock price

13.31 USD
-0.03 (-0.22%)
At close:
13.31 USD
0 (0%)
Pre-Market:

This DLO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. DLO Profitability Analysis

1.1 Basic Checks

  • DLO had positive earnings in the past year.
  • In the past year DLO had a positive cash flow from operations.
  • DLO had positive earnings in each of the past 5 years.
  • Of the past 5 years DLO 4 years had a positive operating cash flow.
DLO Yearly Net Income VS EBIT VS OCF VS FCFDLO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M 400M

1.2 Ratios

  • DLO has a Return On Assets of 12.77%. This is amongst the best in the industry. DLO outperforms 92.93% of its industry peers.
  • DLO has a Return On Equity of 34.57%. This is amongst the best in the industry. DLO outperforms 93.94% of its industry peers.
  • DLO's Return On Invested Capital of 27.83% is amongst the best of the industry. DLO outperforms 95.96% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for DLO is significantly above the industry average of 8.00%.
  • The 3 year average ROIC (27.06%) for DLO is below the current ROIC(27.83%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 12.77%
ROE 34.57%
ROIC 27.83%
ROA(3y)12.26%
ROA(5y)12.66%
ROE(3y)30.65%
ROE(5y)29.38%
ROIC(3y)27.06%
ROIC(5y)26.52%
DLO Yearly ROA, ROE, ROICDLO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 20 40 60

1.3 Margins

  • The Profit Margin of DLO (18.00%) is better than 73.74% of its industry peers.
  • In the last couple of years the Profit Margin of DLO has declined.
  • Looking at the Operating Margin, with a value of 20.31%, DLO is in the better half of the industry, outperforming 70.71% of the companies in the same industry.
  • In the last couple of years the Operating Margin of DLO has declined.
  • Looking at the Gross Margin, with a value of 36.83%, DLO is in line with its industry, outperforming 53.54% of the companies in the same industry.
  • In the last couple of years the Gross Margin of DLO has declined.
Industry RankSector Rank
OM 20.31%
PM (TTM) 18%
GM 36.83%
OM growth 3Y-13.93%
OM growth 5Y-6.84%
PM growth 3Y-11.48%
PM growth 5Y-7.84%
GM growth 3Y-8.62%
GM growth 5Y-8.58%
DLO Yearly Profit, Operating, Gross MarginsDLO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. DLO Health Analysis

2.1 Basic Checks

  • DLO has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • The number of shares outstanding for DLO has been increased compared to 1 year ago.
  • DLO has more shares outstanding than it did 5 years ago.
  • DLO has a worse debt/assets ratio than last year.
DLO Yearly Shares OutstandingDLO Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
DLO Yearly Total Debt VS Total AssetsDLO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • An Altman-Z score of 4.47 indicates that DLO is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of DLO (4.47) is better than 87.88% of its industry peers.
  • DLO has a debt to FCF ratio of 0.24. This is a very positive value and a sign of high solvency as it would only need 0.24 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.24, DLO belongs to the top of the industry, outperforming 89.90% of the companies in the same industry.
  • A Debt/Equity ratio of 0.16 indicates that DLO is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.16, DLO is doing good in the industry, outperforming 72.73% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 0.24
Altman-Z 4.47
ROIC/WACC3.05
WACC9.11%
DLO Yearly LT Debt VS Equity VS FCFDLO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 2025 0 200M 400M

2.3 Liquidity

  • DLO has a Current Ratio of 1.47. This is a normal value and indicates that DLO is financially healthy and should not expect problems in meeting its short term obligations.
  • DLO has a better Current ratio (1.47) than 67.68% of its industry peers.
  • DLO has a Quick Ratio of 1.47. This is a normal value and indicates that DLO is financially healthy and should not expect problems in meeting its short term obligations.
  • The Quick ratio of DLO (1.47) is better than 70.71% of its industry peers.
Industry RankSector Rank
Current Ratio 1.47
Quick Ratio 1.47
DLO Yearly Current Assets VS Current LiabilitesDLO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 500M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

9

3. DLO Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 60.00% over the past year.
  • The Earnings Per Share has been growing by 45.50% on average over the past years. This is a very strong growth
  • DLO shows a strong growth in Revenue. In the last year, the Revenue has grown by 46.60%.
  • The Revenue has been growing by 60.05% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)60%
EPS 3Y23.47%
EPS 5Y45.5%
EPS Q2Q%80%
Revenue 1Y (TTM)46.6%
Revenue growth 3Y37.69%
Revenue growth 5Y60.05%
Sales Q2Q%65.23%

3.2 Future

  • DLO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.06% yearly.
  • DLO is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 29.96% yearly.
EPS Next Y31.95%
EPS Next 2Y30.13%
EPS Next 3Y26.06%
EPS Next 5YN/A
Revenue Next Year45.06%
Revenue Next 2Y35.72%
Revenue Next 3Y29.96%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
DLO Yearly Revenue VS EstimatesDLO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B
DLO Yearly EPS VS EstimatesDLO Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0.2 0.4 0.6 0.8 1

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6

4. DLO Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 20.80, DLO is valued on the expensive side.
  • DLO's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of DLO to the average of the S&P500 Index (27.47), we can say DLO is valued slightly cheaper.
  • DLO is valuated correctly with a Price/Forward Earnings ratio of 15.76.
  • DLO's Price/Forward Earnings ratio is in line with the industry average.
  • DLO is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.62, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 20.8
Fwd PE 15.76
DLO Price Earnings VS Forward Price EarningsDLO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 63.64% of the companies in the same industry are more expensive than DLO, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, DLO is valued a bit cheaper than the industry average as 75.76% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.37
EV/EBITDA 12.12
DLO Per share dataDLO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • DLO has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as DLO's earnings are expected to grow with 26.06% in the coming years.
PEG (NY)0.65
PEG (5Y)0.46
EPS Next 2Y30.13%
EPS Next 3Y26.06%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

5. DLO Dividend Analysis

5.1 Amount

  • DLO has a Yearly Dividend Yield of 1.44%. Purely for dividend investing, there may be better candidates out there.
  • DLO's Dividend Yield is a higher than the industry average which is at 1.82.
  • Compared to the average S&P500 Dividend Yield of 1.81, DLO is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.44%

5.2 History

  • DLO is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
DLO Yearly Dividends per shareDLO Yearly Dividends per shareYearly Dividends per share 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • DLO pays out 76.21% of its income as dividend. This is not a sustainable payout ratio.
DP76.21%
EPS Next 2Y30.13%
EPS Next 3Y26.06%
DLO Yearly Income VS Free CF VS DividendDLO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M
DLO Dividend Payout.DLO Dividend Payout, showing the Payout Ratio.DLO Dividend Payout.PayoutRetained Earnings

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DLO Fundamentals: All Metrics, Ratios and Statistics

DLOCAL LTD

NASDAQ:DLO (4/23/2026, 8:03:49 PM)

Premarket: 13.31 0 (0%)

13.31

-0.03 (-0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-18
Earnings (Next)05-14
Inst Owners33.19%
Inst Owner Change0.45%
Ins Owners5.38%
Ins Owner Change0%
Market Cap3.93B
Revenue(TTM)1.09B
Net Income(TTM)196.80M
Analysts78.57
Price Target17.76 (33.43%)
Short Float %13.06%
Short Ratio7.88
Dividend
Industry RankSector Rank
Dividend Yield 1.44%
Yearly Dividend0.52
Dividend Growth(5Y)N/A
DP76.21%
Div Incr Years0
Div Non Decr Years0
Ex-Date05-27
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.86%
Min EPS beat(2)1.18%
Max EPS beat(2)4.54%
EPS beat(4)4
Avg EPS beat(4)9.45%
Min EPS beat(4)1.18%
Max EPS beat(4)24.5%
EPS beat(8)5
Avg EPS beat(8)0.13%
EPS beat(12)7
Avg EPS beat(12)-0.5%
EPS beat(16)8
Avg EPS beat(16)-3.96%
Revenue beat(2)2
Avg Revenue beat(2)9.59%
Min Revenue beat(2)6.75%
Max Revenue beat(2)12.43%
Revenue beat(4)4
Avg Revenue beat(4)7.97%
Min Revenue beat(4)2.16%
Max Revenue beat(4)12.43%
Revenue beat(8)5
Avg Revenue beat(8)1.17%
Revenue beat(12)8
Avg Revenue beat(12)1.91%
Revenue beat(16)11
Avg Revenue beat(16)1.74%
PT rev (1m)-1.47%
PT rev (3m)-2.09%
EPS NQ rev (1m)-4.33%
EPS NQ rev (3m)-3.4%
EPS NY rev (1m)-3.16%
EPS NY rev (3m)-2.66%
Revenue NQ rev (1m)9.6%
Revenue NQ rev (3m)12.31%
Revenue NY rev (1m)11.34%
Revenue NY rev (3m)11.1%
Valuation
Industry RankSector Rank
PE 20.8
Fwd PE 15.76
P/S 3.59
P/FCF 10.37
P/OCF 9.45
P/B 6.9
P/tB 7.93
EV/EBITDA 12.12
EPS(TTM)0.64
EY4.81%
EPS(NY)0.84
Fwd EY6.34%
FCF(TTM)1.28
FCFY9.65%
OCF(TTM)1.41
OCFY10.58%
SpS3.71
BVpS1.93
TBVpS1.68
PEG (NY)0.65
PEG (5Y)0.46
Graham Number5.27203 (-60.39%)
Profitability
Industry RankSector Rank
ROA 12.77%
ROE 34.57%
ROCE 38.62%
ROIC 27.83%
ROICexc N/A
ROICexgc N/A
OM 20.31%
PM (TTM) 18%
GM 36.83%
FCFM 34.63%
ROA(3y)12.26%
ROA(5y)12.66%
ROE(3y)30.65%
ROE(5y)29.38%
ROIC(3y)27.06%
ROIC(5y)26.52%
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)35.2%
ROCE(5y)33.62%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-13.93%
OM growth 5Y-6.84%
PM growth 3Y-11.48%
PM growth 5Y-7.84%
GM growth 3Y-8.62%
GM growth 5Y-8.58%
F-Score6
Asset Turnover0.71
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 0.24
Debt/EBITDA 0.36
Cap/Depr 140.08%
Cap/Sales 3.36%
Interest Coverage 13.78
Cash Conversion 167.28%
Profit Quality 192.41%
Current Ratio 1.47
Quick Ratio 1.47
Altman-Z 4.47
F-Score6
WACC9.11%
ROIC/WACC3.05
Cap/Depr(3y)139.78%
Cap/Depr(5y)316.5%
Cap/Sales(3y)3.07%
Cap/Sales(5y)6.36%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)60%
EPS 3Y23.47%
EPS 5Y45.5%
EPS Q2Q%80%
EPS Next Y31.95%
EPS Next 2Y30.13%
EPS Next 3Y26.06%
EPS Next 5YN/A
Revenue 1Y (TTM)46.6%
Revenue growth 3Y37.69%
Revenue growth 5Y60.05%
Sales Q2Q%65.23%
Revenue Next Year45.06%
Revenue Next 2Y35.72%
Revenue Next 3Y29.96%
Revenue Next 5YN/A
EBIT growth 1Y57.59%
EBIT growth 3Y18.51%
EBIT growth 5Y49.1%
EBIT Next Year52.25%
EBIT Next 3Y30.88%
EBIT Next 5YN/A
FCF growth 1Y783.14%
FCF growth 3Y38.64%
FCF growth 5Y34.95%
OCF growth 1Y1367.26%
OCF growth 3Y39.07%
OCF growth 5Y36.25%

DLOCAL LTD / DLO Fundamental Analysis FAQ

What is the fundamental rating for DLO stock?

ChartMill assigns a fundamental rating of 7 / 10 to DLO.


What is the valuation status for DLO stock?

ChartMill assigns a valuation rating of 6 / 10 to DLOCAL LTD (DLO). This can be considered as Fairly Valued.


How profitable is DLOCAL LTD (DLO) stock?

DLOCAL LTD (DLO) has a profitability rating of 7 / 10.


What are the PE and PB ratios of DLOCAL LTD (DLO) stock?

The Price/Earnings (PE) ratio for DLOCAL LTD (DLO) is 20.8 and the Price/Book (PB) ratio is 6.9.


How financially healthy is DLOCAL LTD?

The financial health rating of DLOCAL LTD (DLO) is 7 / 10.