DLOCAL LTD (DLO)
KYG290181018 - Common Stock
DLO gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 99 industry peers in the Financial Services industry. DLO gets an excellent profitability rating and is at the same time showing great financial health properties. DLO is valued quite expensively, but it does show have an excellent growth rating. These ratings would make DLO suitable for growth and quality investing!
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.
In the past 5 years DLO always reported a positive cash flow from operatings.
1.2 Ratios
With an excellent Return On Assets value of 10.18%, DLO belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
The Return On Equity of DLO (26.10%) is better than 87.88% of its industry peers.
The Return On Invested Capital of DLO (26.10%) is better than 96.97% of its industry peers.
The Average Return On Invested Capital over the past 3 years for DLO is significantly above the industry average of 7.84%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.18% | ||
| ROE | 26.1% | ||
| ROIC | 26.1% |
ROA(3y)13.42%
ROA(5y)14.78%
ROE(3y)29.24%
ROE(5y)42.86%
ROIC(3y)29.1%
ROIC(5y)41.93%
1.3 Margins
DLO has a Profit Margin of 16.35%. This is in the better half of the industry: DLO outperforms 66.67% of its industry peers.
DLO's Profit Margin has declined in the last couple of years.
DLO has a Operating Margin of 18.98%. This is in the better half of the industry: DLO outperforms 64.65% 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 38.48%, DLO is in line with its industry, outperforming 59.60% of the companies in the same industry.
In the last couple of years the Gross Margin of DLO has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 18.98% | ||
| PM (TTM) | 16.35% | ||
| GM | 38.48% |
OM growth 3Y-2.11%
OM growth 5YN/A
PM growth 3Y-5.41%
PM growth 5YN/A
GM growth 3Y-9.63%
GM growth 5YN/A
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 remains at a similar level compared to 1 year ago.
DLO has a better debt/assets ratio than last year.
2.2 Solvency
DLO has an Altman-Z score of 4.72. This indicates that DLO is financially healthy and has little risk of bankruptcy at the moment.
DLO's Altman-Z score of 4.72 is amongst the best of the industry. DLO outperforms 89.90% 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.
Looking at the Debt to FCF ratio, with a value of 0.03, DLO belongs to the top of the industry, outperforming 89.90% of the companies in the same industry.
DLO has a Debt/Equity ratio of 0.01. This is a healthy value indicating a solid balance between debt and equity.
DLO's Debt to Equity ratio of 0.01 is amongst the best of the industry. DLO outperforms 87.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.03 | ||
| Altman-Z | 4.72 |
ROIC/WACC2.85
WACC9.16%
2.3 Liquidity
DLO has a Current Ratio of 1.54. 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 (1.54) than 67.68% of its industry peers.
A Quick Ratio of 1.54 indicates that DLO should not have too much problems paying its short term obligations.
DLO has a Quick ratio of 1.54. This is in the better half of the industry: DLO outperforms 69.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.54 | ||
| Quick Ratio | 1.54 |
3. Growth
3.1 Past
The earnings per share for DLO have decreased by -2.22% in the last year.
The Earnings Per Share has been growing by 69.85% 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 25.61%.
DLO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 84.15% yearly.
EPS 1Y (TTM)-2.22%
EPS 3Y69.85%
EPS 5YN/A
EPS Q2Q%-30.77%
Revenue 1Y (TTM)25.61%
Revenue growth 3Y84.15%
Revenue growth 5YN/A
Sales Q2Q%13.33%
3.2 Future
The Earnings Per Share is expected to grow by 13.44% on average over the next years. This is quite good.
DLO is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.75% yearly.
EPS Next Y-14.22%
EPS Next 2Y5.22%
EPS Next 3Y13.44%
EPS Next 5YN/A
Revenue Next Year17.13%
Revenue Next 2Y21.36%
Revenue Next 3Y22.75%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 26.17, DLO can be considered very expensive at the moment.
Based on the Price/Earnings ratio, DLO is valued a bit more expensive than the industry average as 61.62% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 27.20. DLO is around the same levels.
With a Price/Forward Earnings ratio of 19.62, DLO is valued on the expensive side.
DLO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. DLO is more expensive than 62.63% of the companies in the same industry.
DLO is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.17 | ||
| Fwd PE | 19.62 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as DLO.
Based on the Price/Free Cash Flow ratio, DLO is valued a bit cheaper than 63.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.08 | ||
| EV/EBITDA | 16.13 |
4.3 Compensation for Growth
The decent profitability rating of DLO may justify a higher PE ratio.
A more expensive valuation may be justified as DLO's earnings are expected to grow with 13.44% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y5.22%
EPS Next 3Y13.44%
5. Dividend
5.1 Amount
No dividends for DLO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
DLOCAL LTD
NASDAQ:DLO (12/23/2024, 12:12:09 PM)
11.515
+0.03 (+0.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners34.32%
Inst Owner Change-9.22%
Ins Owners2.6%
Ins Owner ChangeN/A
Market Cap3.28B
Analysts70
Price Target10.54 (-8.47%)
Short Float %16.31%
Short Ratio7.65
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)22.04%
Min EPS beat(2)-13.28%
Max EPS beat(2)57.36%
EPS beat(4)1
Avg EPS beat(4)-2.91%
Min EPS beat(4)-48.45%
Max EPS beat(4)57.36%
EPS beat(8)3
Avg EPS beat(8)-7.08%
EPS beat(12)5
Avg EPS beat(12)-4.68%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-8.38%
Min Revenue beat(2)-18.13%
Max Revenue beat(2)1.36%
Revenue beat(4)2
Avg Revenue beat(4)-3.36%
Min Revenue beat(4)-18.13%
Max Revenue beat(4)7.22%
Revenue beat(8)4
Avg Revenue beat(8)-1.12%
Revenue beat(12)8
Avg Revenue beat(12)-0.02%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.09%
PT rev (3m)-2.11%
EPS NQ rev (1m)12.48%
EPS NQ rev (3m)-10.09%
EPS NY rev (1m)3.21%
EPS NY rev (3m)3.32%
Revenue NQ rev (1m)0.04%
Revenue NQ rev (3m)-17.82%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)-0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.17 | ||
| Fwd PE | 19.62 | ||
| P/S | 4.5 | ||
| P/FCF | 22.08 | ||
| P/OCF | 19.32 | ||
| P/B | 7.18 | ||
| P/tB | 8.31 | ||
| EV/EBITDA | 16.13 |
EPS(TTM)0.44
EY3.82%
EPS(NY)0.59
Fwd EY5.1%
FCF(TTM)0.52
FCFY4.53%
OCF(TTM)0.6
OCFY5.18%
SpS2.56
BVpS1.6
TBVpS1.39
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.18% | ||
| ROE | 26.1% | ||
| ROCE | 30.02% | ||
| ROIC | 26.1% | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 18.98% | ||
| PM (TTM) | 16.35% | ||
| GM | 38.48% | ||
| FCFM | 20.36% |
ROA(3y)13.42%
ROA(5y)14.78%
ROE(3y)29.24%
ROE(5y)42.86%
ROIC(3y)29.1%
ROIC(5y)41.93%
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)33.65%
ROCE(5y)48.33%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-2.11%
OM growth 5YN/A
PM growth 3Y-5.41%
PM growth 5YN/A
GM growth 3Y-9.63%
GM growth 5YN/A
F-Score6
Asset Turnover0.62
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.03 | ||
| Debt/EBITDA | 0.02 | ||
| Cap/Depr | 133% | ||
| Cap/Sales | 2.91% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 109.92% | ||
| Profit Quality | 124.56% | ||
| Current Ratio | 1.54 | ||
| Quick Ratio | 1.54 | ||
| Altman-Z | 4.72 |
F-Score6
WACC9.16%
ROIC/WACC2.85
Cap/Depr(3y)437.41%
Cap/Depr(5y)424.13%
Cap/Sales(3y)8.47%
Cap/Sales(5y)6.45%
Profit Quality(3y)131.05%
Profit Quality(5y)175.87%
High Growth Momentum
Growth
EPS 1Y (TTM)-2.22%
EPS 3Y69.85%
EPS 5YN/A
EPS Q2Q%-30.77%
EPS Next Y-14.22%
EPS Next 2Y5.22%
EPS Next 3Y13.44%
EPS Next 5YN/A
Revenue 1Y (TTM)25.61%
Revenue growth 3Y84.15%
Revenue growth 5YN/A
Sales Q2Q%13.33%
Revenue Next Year17.13%
Revenue Next 2Y21.36%
Revenue Next 3Y22.75%
Revenue Next 5YN/A
EBIT growth 1Y-17.73%
EBIT growth 3Y80.26%
EBIT growth 5YN/A
EBIT Next Year-17.45%
EBIT Next 3Y13.3%
EBIT Next 5YN/A
FCF growth 1Y-33.63%
FCF growth 3Y48.17%
FCF growth 5YN/A
OCF growth 1Y-27.8%
OCF growth 3Y49.13%
OCF growth 5YN/A