(DLO) Dlocal - Ratings and Ratios

Exchange: NASDAQ • Country: Uruguay • Currency: USD • Type: Common Stock • ISIN: KYG290181018

Payments, Pay-In, Pay-Out, Platform

Stock: Transaction & Payment Processing Services
Age 4.7y

MCap 4,241m
Avg Vol 1.09M (15.1M USD)

Beta 1.122
Volatility 55.09%

EPS (Earnings per Share)

EPS CAGR: -42.48%
EPS Trend: 20.2%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: 41.79%
Rev. Trend: 96.7%

Last SUE: 1.13
Qual. Beats: 2

Dividends

Dividend Yield	4.73%
Yield on Cost 5y	1.70%
Yield CAGR 5y	0.00%
Payout Consistency	100.0%
Payout Ratio	90.1%

Risk via 5d forecast
Volatility	55.1%
Value at Risk 5%th	76.6%
Relative Tail Risk	-15.42%

Reward TTM
Sharpe Ratio	0.64
Alpha	9.35
CAGR/Max DD	-0.05

Character TTM
Hurst Exponent	0.484
Beta	1.122
Beta Downside	1.116

Drawdowns 3y
Max DD	68.59%
Mean DD	36.24%
Median DD	33.03%

Description: DLO Dlocal January 12, 2026

DLocal Ltd (NASDAQ:DLO) operates a cross-border payment platform that enables merchants to accept pay-ins via cards, bank transfers, cash and hundreds of alternative payment methods, and to execute pay-outs globally. Its “dLocal for Platforms” offering bundles these capabilities for multi-sided businesses across sectors such as e-commerce, streaming, ride-hailing, fintech, gaming and crypto. Founded in 2016 and headquartered in Montevideo, Uruguay, the firm is classified under the GICS sub-industry “Transaction & Payment Processing Services.”

Key recent metrics (FY 2023) show revenue of roughly $210 million, up ~30 % year-over-year, driven by a 45 % increase in processed transaction volume to about $13 billion. The company’s gross profit margin hovered near 55 %, while operating margin improved to ~15 % as it scales its technology stack. A primary economic driver is the rapid adoption of digital payments in emerging markets, where DLocal’s localized APM network gives it a competitive edge, but the business remains exposed to currency volatility and regulatory shifts in those jurisdictions.

For a deeper, data-rich view of DLocal’s valuation dynamics, you might explore the analyst tools on ValueRay to see how these trends translate into forward-looking price scenarios.

Piotroski VR‑10 (Strict, 0-10) 5.5

Net Income: 170.9m TTM > 0 and > 6% of Revenue
FCF/TA: 0.11 > 0.02 and ΔFCF/TA -1.52 > 1.0
NWC/Revenue: 42.63% < 20% (prev 52.31%; Δ -9.69% < -1%)
CFO/TA 0.12 > 3% & CFO 173.9m > Net Income 170.9m
Net Debt (-600.8m) to EBITDA (249.2m): -2.41 < 3
Current Ratio: 1.46 > 1.5 & < 3
Outstanding Shares: last quarter (304.9m) vs 12m ago 2.88% < -2%
Gross Margin: 38.60% > 18% (prev 0.38%; Δ 3822 % > 0.5%)
Asset Turnover: 74.44% > 50% (prev 62.29%; Δ 12.15% > 0%)
Interest Coverage Ratio: 3.76 > 6 (EBITDA TTM 249.2m / Interest Expense TTM 60.3m)

Altman Z'' 4.78

A: 0.29 (Total Current Assets 1.31b - Total Current Liabilities 897.8m) / Total Assets 1.41b
B: 0.34 (Retained Earnings 479.3m / Total Assets 1.41b)
C: 0.18 (EBIT TTM 226.5m / Avg Total Assets 1.29b)
D: 0.56 (Book Value of Equity 504.5m / Total Liabilities 904.1m)
Altman-Z'' Score: 4.78 = AA

Beneish M -2.69

DSRI: 1.08 (Receivables 576.4m/405.9m, Revenue 960.2m/729.5m)
GMI: 1.00 (GM 38.60% / 38.48%)
AQI: 1.08 (AQ_t 0.07 / AQ_t-1 0.06)
SGI: 1.32 (Revenue 960.2m / 729.5m)
TATA: -0.00 (NI 170.9m - CFO 173.9m) / TA 1.41b)
Beneish M-Score: -2.69 (Cap -4..+1) = A

ValueRay F-Score (Strict, 0-100) 85.02

1. Piotroski: 5.50pt
2. FCF Yield: 4.32%
3. FCF Margin: 16.38%
4. Debt/Equity: 0.01
5. Debt/Ebitda: -2.41
6. ROIC - WACC: 27.62%
7. RoE: 34.42%
8. Revenue Trend: 96.73%
9. EPS Trend: 20.21%

What is the price of DLO shares?

As of January 26, 2026, the stock is trading at USD 14.39 with a total of 1,255,617 shares traded.
Over the past week, the price has changed by +6.59%, over one month by +1.98%, over three months by -6.44% and over the past year by +21.62%.

Is DLO a buy, sell or hold?

Dlocal has received a consensus analysts rating of 3.50. Therefor, it is recommend to hold DLO.

Strong Buy: 2
Buy: 1
Hold: 7
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the DLO price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	18.1	25.4%
Analysts Target Price	18.1	25.4%
ValueRay Target Price	15.1	4.7%

DLO Fundamental Data Overview January 25, 2026

P/E Trailing = 25.6964
P/E Forward = 17.1233
P/S = 4.417
P/B = 8.4061
Revenue TTM = 960.2m USD
EBIT TTM = 226.5m USD
EBITDA TTM = 249.2m USD
Long Term Debt = 2.57m USD (from longTermDebtTotal, last quarter)
Short Term Debt = 1.15m USD (from shortTermDebt, last quarter)
Debt = 3.71m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -600.8m USD (from netDebt column, last quarter)
Enterprise Value = 3.64b USD (4.24b + Debt 3.71m - CCE 604.5m)
Interest Coverage Ratio = 3.76 (Ebit TTM 226.5m / Interest Expense TTM 60.3m)
EV/FCF = 23.14x (Enterprise Value 3.64b / FCF TTM 157.3m)
FCF Yield = 4.32% (FCF TTM 157.3m / Enterprise Value 3.64b)
FCF Margin = 16.38% (FCF TTM 157.3m / Revenue TTM 960.2m)
Net Margin = 17.80% (Net Income TTM 170.9m / Revenue TTM 960.2m)
Gross Margin = 38.60% ((Revenue TTM 960.2m - Cost of Revenue TTM 589.5m) / Revenue TTM)
Gross Margin QoQ = 36.53% (prev 38.56%)
Tobins Q-Ratio = 2.58 (Enterprise Value 3.64b / Total Assets 1.41b)
Interest Expense / Debt = 108.7% (Interest Expense 4.04m / Debt 3.71m)
Taxrate = 15.35% (9.39m / 61.2m)
NOPAT = 191.8m (EBIT 226.5m * (1 - 15.35%))
Current Ratio = 1.46 (Total Current Assets 1.31b / Total Current Liabilities 897.8m)
Debt / Equity = 0.01 (Debt 3.71m / totalStockholderEquity, last quarter 504.5m)
Debt / EBITDA = -2.41 (Net Debt -600.8m / EBITDA 249.2m)
Debt / FCF = -3.82 (Net Debt -600.8m / FCF TTM 157.3m)
Total Stockholder Equity = 496.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 13.25% (Net Income 170.9m / Total Assets 1.41b)
RoE = 34.42% (Net Income TTM 170.9m / Total Stockholder Equity 496.6m)
RoCE = 45.38% (EBIT 226.5m / Capital Employed (Equity 496.6m + L.T.Debt 2.57m))
RoIC = 37.66% (NOPAT 191.8m / Invested Capital 509.2m)
WACC = 10.04% (E(4.24b)/V(4.24b) * Re(10.05%) + (debt cost/tax rate unavailable))
Discount Rate = 10.05% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.54%
[DCF Debug] Terminal Value 71.14% ; FCFF base≈153.8m ; Y1≈155.1m ; Y5≈167.2m
Fair Price DCF = 16.29 (EV 2.10b - Net Debt -600.8m = Equity 2.70b / Shares 165.7m; r=10.04% [WACC]; 5y FCF grow 0.47% → 2.90% )
EPS Correlation: 20.21 | EPS CAGR: -42.48% | SUE: -4.0 | # QB: 0
Revenue Correlation: 96.73 | Revenue CAGR: 41.79% | SUE: 1.13 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.18 | Chg30d=-0.016 | Revisions Net=+1 | Analysts=2
EPS next Year (2026-12-31): EPS=0.88 | Chg30d=+0.008 | Revisions Net=+2 | Growth EPS=+25.1% | Growth Revenue=+31.4%

Additional Sources for DLO Stock

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