DLOCAL LTD (DLO) Stock Fundamental Analysis

NASDAQ:DLO • KYG290181018

12.47 USD
+0.62 (+5.23%)
At close: Feb 18, 2026
12.47 USD
0 (0%)
After Hours: 2/18/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

8

We assign a fundamental rating of 8 out of 10 to DLO. DLO was compared to 97 industry peers in the Financial Services industry. DLO has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. DLO is growing strongly while it is still valued neutral. This is a good combination! These ratings would make DLO suitable for growth and quality investing!


Dividend Valuation Growth Profitability Health

7

1. Profitability

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.
  • DLO had a positive operating cash flow in 4 of the past 5 years.
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 0 100M 200M

1.2 Ratios

  • DLO's Return On Assets of 12.13% is amongst the best of the industry. DLO outperforms 93.81% of its industry peers.
  • The Return On Equity of DLO (33.88%) is better than 93.81% of its industry peers.
  • DLO's Return On Invested Capital of 32.24% is amongst the best of the industry. DLO outperforms 96.91% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for DLO is significantly above the industry average of 8.38%.
  • The last Return On Invested Capital (32.24%) for DLO is above the 3 year average (27.22%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 12.13%
ROE 33.88%
ROIC 32.24%
ROA(3y)12.39%
ROA(5y)12.92%
ROE(3y)28.19%
ROE(5y)34.98%
ROIC(3y)27.22%
ROIC(5y)31.92%
DLO Yearly ROA, ROE, ROICDLO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 20 40 60

1.3 Margins

  • DLO has a Profit Margin of 17.80%. This is in the better half of the industry: DLO outperforms 68.04% of its industry peers.
  • DLO's Profit Margin has declined in the last couple of years.
  • DLO has a better Operating Margin (21.02%) than 70.10% of its industry peers.
  • DLO's Operating Margin has declined in the last couple of years.
  • Looking at the Gross Margin, with a value of 38.60%, DLO is in line with its industry, outperforming 57.73% of the companies in the same industry.
  • DLO's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 21.02%
PM (TTM) 17.8%
GM 38.6%
OM growth 3Y-18.07%
OM growth 5Y-10.68%
PM growth 3Y-20.31%
PM growth 5Y-10.57%
GM growth 3Y-9.58%
GM growth 5Y-9.45%
DLO Yearly Profit, Operating, Gross MarginsDLO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), DLO is creating value.
  • The number of shares outstanding for DLO has been reduced compared to 1 year ago.
  • Compared to 5 years ago, DLO has less shares outstanding
  • DLO has a better debt/assets ratio than last year.
DLO Yearly Shares OutstandingDLO Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 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 200M 400M 600M 800M 1B

2.2 Solvency

  • DLO has an Altman-Z score of 4.32. This indicates that DLO is financially healthy and has little risk of bankruptcy at the moment.
  • DLO's Altman-Z score of 4.32 is amongst the best of the industry. DLO outperforms 88.66% of its industry peers.
  • DLO has a debt to FCF ratio of 0.03. This is a very positive value and a sign of high solvency as it would only need 0.03 years to pay back of all of its debts.
  • DLO has a Debt to FCF ratio of 0.03. This is amongst the best in the industry. DLO outperforms 91.75% of its industry peers.
  • DLO has a Debt/Equity ratio of 0.01. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.01, DLO belongs to the top of the industry, outperforming 88.66% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.03
Altman-Z 4.32
ROIC/WACC3.69
WACC8.74%
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 0 100M 200M 300M 400M

2.3 Liquidity

  • DLO has a Current Ratio of 1.46. 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 Current ratio of 1.46. This is in the better half of the industry: DLO outperforms 69.07% of its industry peers.
  • DLO has a Quick Ratio of 1.46. 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 Quick ratio (1.46) than 70.10% of its industry peers.
Industry RankSector Rank
Current Ratio 1.46
Quick Ratio 1.46
DLO Yearly Current Assets VS Current LiabilitesDLO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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

9

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 27.27% over the past year.
  • Measured over the past years, DLO shows a very strong growth in Earnings Per Share. The EPS has been growing by 51.16% on average per year.
  • The Revenue has grown by 31.63% in the past year. This is a very strong growth!
  • Measured over the past years, DLO shows a very strong growth in Revenue. The Revenue has been growing by 68.27% on average per year.
EPS 1Y (TTM)27.27%
EPS 3Y16.43%
EPS 5Y51.16%
EPS Q2Q%88.89%
Revenue 1Y (TTM)31.63%
Revenue growth 3Y45.11%
Revenue growth 5Y68.27%
Sales Q2Q%52.06%

3.2 Future

  • The Earnings Per Share is expected to grow by 40.05% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, DLO will show a very strong growth in Revenue. The Revenue will grow by 31.92% on average per year.
EPS Next Y66.26%
EPS Next 2Y47.56%
EPS Next 3Y40.05%
EPS Next 5YN/A
Revenue Next Year40.16%
Revenue Next 2Y35.65%
Revenue Next 3Y31.92%
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 500M 1B 1.5B
DLO Yearly EPS VS EstimatesDLO Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 22.27, which indicates a rather expensive current valuation of DLO.
  • DLO's Price/Earnings is on the same level as the industry average.
  • DLO is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.27, which is the current average of the S&P500 Index.
  • DLO is valuated correctly with a Price/Forward Earnings ratio of 14.32.
  • DLO's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of DLO to the average of the S&P500 Index (28.16), we can say DLO is valued slightly cheaper.
Industry RankSector Rank
PE 22.27
Fwd PE 14.32
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

  • 61.86% of the companies in the same industry are more expensive than DLO, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of DLO is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 25.79
EV/EBITDA 12.09
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.
  • DLO's earnings are expected to grow with 40.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.34
PEG (5Y)0.44
EPS Next 2Y47.56%
EPS Next 3Y40.05%

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

4

5. Dividend

5.1 Amount

  • DLO has a Yearly Dividend Yield of 4.27%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.34, DLO pays a better dividend. On top of this DLO pays more dividend than 80.41% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.84, DLO pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.27%

5.2 History

  • DLO does not have a reliable dividend history as it only pays dividend since a couple or years.
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 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

DPN/A
EPS Next 2Y47.56%
EPS Next 3Y40.05%
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 0 100M 200M

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Find the best dividend stocksShow peers with best dividend

DLOCAL LTD

NASDAQ:DLO (2/18/2026, 8:00:01 PM)

After market: 12.47 0 (0%)

12.47

+0.62 (+5.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-12
Earnings (Next)03-18
Inst Owners31.38%
Inst Owner Change0.36%
Ins Owners5.38%
Ins Owner ChangeN/A
Market Cap3.68B
Revenue(TTM)960.19M
Net Income(TTM)170.95M
Analysts78.57
Price Target18.13 (45.39%)
Short Float %13.49%
Short Ratio10.48
Dividend
Industry RankSector Rank
Dividend Yield 4.27%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.07%
Min EPS beat(2)4.54%
Max EPS beat(2)7.59%
EPS beat(4)3
Avg EPS beat(4)1.06%
Min EPS beat(4)-32.38%
Max EPS beat(4)24.5%
EPS beat(8)4
Avg EPS beat(8)-0.93%
EPS beat(12)6
Avg EPS beat(12)-4.37%
EPS beat(16)8
Avg EPS beat(16)-3.25%
Revenue beat(2)2
Avg Revenue beat(2)8.66%
Min Revenue beat(2)6.75%
Max Revenue beat(2)10.57%
Revenue beat(4)3
Avg Revenue beat(4)4.39%
Min Revenue beat(4)-1.89%
Max Revenue beat(4)10.57%
Revenue beat(8)5
Avg Revenue beat(8)0.52%
Revenue beat(12)7
Avg Revenue beat(12)0.72%
Revenue beat(16)11
Avg Revenue beat(16)1.08%
PT rev (1m)0.63%
PT rev (3m)8.57%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.78%
EPS NY rev (1m)0.85%
EPS NY rev (3m)3.41%
Revenue NQ rev (1m)0.59%
Revenue NQ rev (3m)5.55%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)2.81%
Valuation
Industry RankSector Rank
PE 22.27
Fwd PE 14.32
P/S 3.83
P/FCF 25.79
P/OCF 21.13
P/B 7.28
P/tB 8.49
EV/EBITDA 12.09
EPS(TTM)0.56
EY4.49%
EPS(NY)0.87
Fwd EY6.98%
FCF(TTM)0.48
FCFY3.88%
OCF(TTM)0.59
OCFY4.73%
SpS3.26
BVpS1.71
TBVpS1.47
PEG (NY)0.34
PEG (5Y)0.44
Graham Number4.64
Profitability
Industry RankSector Rank
ROA 12.13%
ROE 33.88%
ROCE 39.49%
ROIC 32.24%
ROICexc N/A
ROICexgc N/A
OM 21.02%
PM (TTM) 17.8%
GM 38.6%
FCFM 14.84%
ROA(3y)12.39%
ROA(5y)12.92%
ROE(3y)28.19%
ROE(5y)34.98%
ROIC(3y)27.22%
ROIC(5y)31.92%
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)33.34%
ROCE(5y)39.2%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-18.07%
OM growth 5Y-10.68%
PM growth 3Y-20.31%
PM growth 5Y-10.57%
GM growth 3Y-9.58%
GM growth 5Y-9.45%
F-Score7
Asset Turnover0.68
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.03
Debt/EBITDA 0.01
Cap/Depr 144.48%
Cap/Sales 3.27%
Interest Coverage 15.8
Cash Conversion 77.8%
Profit Quality 83.35%
Current Ratio 1.46
Quick Ratio 1.46
Altman-Z 4.32
F-Score7
WACC8.74%
ROIC/WACC3.69
Cap/Depr(3y)143.63%
Cap/Depr(5y)366.75%
Cap/Sales(3y)2.93%
Cap/Sales(5y)6.44%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)27.27%
EPS 3Y16.43%
EPS 5Y51.16%
EPS Q2Q%88.89%
EPS Next Y66.26%
EPS Next 2Y47.56%
EPS Next 3Y40.05%
EPS Next 5YN/A
Revenue 1Y (TTM)31.63%
Revenue growth 3Y45.11%
Revenue growth 5Y68.27%
Sales Q2Q%52.06%
Revenue Next Year40.16%
Revenue Next 2Y35.65%
Revenue Next 3Y31.92%
Revenue Next 5YN/A
EBIT growth 1Y45.72%
EBIT growth 3Y18.89%
EBIT growth 5Y50.31%
EBIT Next Year75.57%
EBIT Next 3Y41.51%
EBIT Next 5YN/A
FCF growth 1Y-17.81%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-8.78%
OCF growth 3YN/A
OCF growth 5YN/A

DLOCAL LTD / DLO FAQ

What is the fundamental rating for DLO stock?

ChartMill assigns a fundamental rating of 8 / 10 to DLO.


What is the valuation status of DLOCAL LTD (DLO) stock?

ChartMill assigns a valuation rating of 5 / 10 to DLOCAL LTD (DLO). This can be considered as Fairly Valued.


What is the profitability of 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 22.27 and the Price/Book (PB) ratio is 7.28.


Can you provide the expected EPS growth for DLO stock?

The Earnings per Share (EPS) of DLOCAL LTD (DLO) is expected to grow by 66.26% in the next year.