Overview Dividends

(DLO) Dlocal - Ratings and Ratios

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

Pay-In, Pay-Out, Platform

DLO EPS (Earnings per Share)

EPS Growth (3Y CAGR): -46.00%
EPS Trend (3Y Correlation): 4.2%

DLO Revenue

Revenue Growth (3Y CAGR): 35.22%
Revenue Trend (3Y Correlation): 94.8%

Description: DLO Dlocal

DLocal Ltd operates a global payment processing platform, providing businesses with a robust pay-in solution that supports various payment methods, including cards, bank transfers, and alternative payment methods. The companys pay-out solution enables merchants to scale their operations, while its dLocal for Platforms offering provides an end-to-end payment solution for platforms managing global payments.

The companys diverse client base spans multiple industries, including commerce, streaming, and financial services, indicating a broad potential for growth. With a strong presence in emerging markets, DLocal is well-positioned to capitalize on the growing demand for digital payment solutions. Key performance indicators (KPIs) to watch include revenue growth, gross margin expansion, and the companys ability to maintain its competitive edge in a rapidly evolving payments landscape.

From a financial perspective, DLocals market capitalization stands at approximately $3.2 billion, with a forward P/E ratio of 19.92, suggesting a relatively reasonable valuation. The companys return on equity (RoE) of 30.90% indicates strong profitability. Other KPIs to monitor include the companys operating margin, customer acquisition costs, and the ratio of recurring revenue to total revenue.

To further evaluate DLocals potential, its essential to analyze its competitive positioning within the transaction and payment processing services industry. Key competitors include companies like PayPal, Stripe, and other emerging fintech players. Assessing DLocals market share, customer retention rates, and innovation pipeline will provide valuable insights into its long-term prospects.

DLO Stock Overview

Market Cap in USD	4,373m
Sub-Industry	Transaction & Payment Processing Services
IPO / Inception	2021-06-03

DLO Stock Ratings

Growth Rating	-4.51%
Fundamental	81.4%
Dividend Rating	19.8%
Return 12m vs S&P 500	52.6%
Analyst Rating	3.50 of 5

DLO Dividends

Dividend Yield 12m	3.47%
Yield on Cost 5y	1.70%
Annual Growth 5y	%
Payout Consistency	100.0%
Payout Ratio	93.9%

DLO Growth Ratios

Growth Correlation 3m	59.6%
Growth Correlation 12m	50.3%
Growth Correlation 5y	-83.4%
CAGR 5y	-8.69%
CAGR/Max DD 3y (Calmar Ratio)	-0.12
CAGR/Mean DD 3y (Pain Ratio)	-0.20
Sharpe Ratio 12m	0.61
Alpha	61.26
Beta	1.099
Volatility	91.22%
Current Volume	2095.2k
Average Volume 20d	1990.4k
Stop Loss	14.2 (-6%)
Signal	-0.08

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (145.9m TTM) > 0 and > 6% of Revenue (6% = 51.8m TTM)

FCFTA 0.08 (>2.0%) and ΔFCFTA -1.94pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 40.98% (prev 52.43%; Δ -11.46pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.10 (>3.0%) and CFO 118.3m <= Net Income 145.9m (YES >=105%, WARN >=100%)

Net Debt (-473.0m) to EBITDA (231.7m) ratio: -2.04 <= 3.0 (WARN <= 3.5)

Current Ratio 1.46 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (305.8m) change vs 12m ago -0.86% (target <= -2.0% for YES)

Gross Margin 40.03% (prev 39.15%; Δ 0.88pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 71.45% (prev 59.18%; Δ 12.27pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 2.88 (EBITDA TTM 231.7m / Interest Expense TTM 73.7m) >= 6 (WARN >= 3)

Altman Z'' 4.84

(A) 0.29 = (Total Current Assets 1.12b - Total Current Liabilities 766.5m) / Total Assets 1.22b

(B) 0.35 = Retained Earnings (Balance) 429.5m / Total Assets 1.22b

(D) 0.59 = Book Value of Equity 456.1m / Total Liabilities 773.1m

Total Rating: 4.84 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 81.39

1. Piotroski 5.0pt = 0.0

2. FCF Yield 2.56% = 1.28

3. FCF Margin 11.18% = 2.79

4. Debt/Equity 0.01 = 2.50

5. Debt/Ebitda -2.04 = 2.50

6. ROIC - WACC (= 25.71)% = 12.50

7. RoE 30.10% = 2.50

8. Rev. Trend 94.83% = 7.11

9. EPS Trend 4.18% = 0.21

What is the price of DLO shares?

As of October 19, 2025, the stock is trading at USD 15.11 with a total of 2,095,155 shares traded.
Over the past week, the price has changed by +11.02%, over one month by +3.71%, over three months by +35.52% and over the past year by +76.23%.

Is Dlocal a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, Dlocal (NASDAQ:DLO) is currently (October 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 81.39 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of DLO is around 15.09 USD . This means that DLO is currently overvalued and has a potential downside of -0.13%.

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	15.2	0.4%
Analysts Target Price	15.2	0.4%
ValueRay Target Price	17.1	12.9%

Last update: 2025-10-11 03:47

DLO Fundamental Data Overview

Market Cap USD = 4.37b (4.37b USD * 1.0 USD.USD)
P/E Trailing = 29.1961
P/E Forward = 19.6078
P/S = 5.0647
P/B = 9.1987
Beta = 1.099
Revenue TTM = 863.5m USD
EBIT TTM = 211.9m USD
EBITDA TTM = 231.7m USD
Long Term Debt = 2.86m USD (from longTermDebtTotal, last fiscal year)
Short Term Debt = 1.20m USD (from shortTermDebt, last quarter)
Debt = 3.90m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -473.0m USD (from netDebt column, last quarter)
Enterprise Value = 3.77b USD (4.37b + Debt 3.90m - CCE 602.5m)
Interest Coverage Ratio = 2.88 (Ebit TTM 211.9m / Interest Expense TTM 73.7m)
FCF Yield = 2.56% (FCF TTM 96.5m / Enterprise Value 3.77b)
FCF Margin = 11.18% (FCF TTM 96.5m / Revenue TTM 863.5m)
Net Margin = 16.90% (Net Income TTM 145.9m / Revenue TTM 863.5m)
Gross Margin = 40.03% ((Revenue TTM 863.5m - Cost of Revenue TTM 517.8m) / Revenue TTM)
Gross Margin QoQ = 38.56% (prev 39.16%)
Tobins Q-Ratio = 3.09 (Enterprise Value 3.77b / Total Assets 1.22b)
Interest Expense / Debt = 382.1% (Interest Expense 14.9m / Debt 3.90m)
Taxrate = 16.06% (8.19m / 51.0m)
NOPAT = 177.8m (EBIT 211.9m * (1 - 16.06%))
Current Ratio = 1.46 (Total Current Assets 1.12b / Total Current Liabilities 766.5m)
Debt / Equity = 0.01 (Debt 3.90m / totalStockholderEquity, last quarter 448.0m)
Debt / EBITDA = -2.04 (Net Debt -473.0m / EBITDA 231.7m)
Debt / FCF = -4.90 (Net Debt -473.0m / FCF TTM 96.5m)
Total Stockholder Equity = 484.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 11.95% (Net Income 145.9m / Total Assets 1.22b)
RoE = 30.10% (Net Income TTM 145.9m / Total Stockholder Equity 484.7m)
RoCE = 43.45% (EBIT 211.9m / Capital Employed (Equity 484.7m + L.T.Debt 2.86m))
RoIC = 35.76% (NOPAT 177.8m / Invested Capital 497.3m)
WACC = 10.05% (E(4.37b)/V(4.38b) * Re(10.06%) + (debt cost/tax rate unavailable))
Discount Rate = 10.06% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.70%
[DCF Debug] Terminal Value 74.90% ; FCFE base≈105.0m ; Y1≈127.4m ; Y5≈209.5m
Fair Price DCF = 15.35 (DCF Value 2.53b / Shares Outstanding 164.6m; 5y FCF grow 22.87% → 3.0% )
EPS Correlation: 4.18 | EPS CAGR: -46.00% | SUE: -3.66 | # QB: 0
Revenue Correlation: 94.83 | Revenue CAGR: 35.22% | SUE: 1.71 | # QB: 1

Additional Sources for DLO Stock

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