(DLO) Dlocal - Overview

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

Stock: Payment Processing, Global Payments, Digital Wallets, Online Transactions

Total Rating 53
Risk 83
Buy Signal -0.24
Software - Infrastructure +27.1
Transaction & Payment Processing Services +18.9
Market Cap: 3,484m
Avg Trading Vol: 12.5M USD
ATR: 5.11%
Peers RS (IBD): 80.6
Risk 5d forecast
Volatility 53.6%
Relative Tail Risk -13.4%
Reward TTM
Sharpe Ratio 0.86
Alpha 21.87
Character TTM
Beta 0.863
Beta Downside 2.055
Drawdowns 3y
Max DD 68.59%
CAGR/Max DD -0.09

EPS (Earnings per Share)

EPS (Earnings per Share) of DLO over the last years for every Quarter: "2021-03": 0.0539, "2021-06": 0.07, "2021-09": 0.07, "2021-12": 0.08, "2022-03": 0.08, "2022-06": 0.1, "2022-09": 0.1, "2022-12": 0.06, "2023-03": 0.06, "2023-06": 0.15, "2023-09": 0.13, "2023-12": 0.14, "2024-03": 0.06, "2024-06": 0.15, "2024-09": 0.1465, "2024-12": 0.1, "2025-03": 0.1727, "2025-06": 0.172, "2025-09": 0.17, "2025-12": 0,
EPS CAGR: -42.48%
EPS Trend: 24.3%
Last SUE: -3.96
Qual. Beats: 0

Revenue

Revenue of DLO over the last years for every Quarter: 2021-03: 40.256, 2021-06: 58.961, 2021-09: 68.646, 2021-12: 76.257, 2022-03: 87.453, 2022-06: 101.18, 2022-09: 111.864, 2022-12: 118.428, 2023-03: 137.287, 2023-06: 161.138, 2023-09: 163.921, 2023-12: 188.005, 2024-03: 184.43, 2024-06: 171.279, 2024-09: 185.774, 2024-12: 204.491, 2025-03: 216.759, 2025-06: 256.458, 2025-09: 282.483, 2025-12: null,
Rev. CAGR: 41.79%
Rev. Trend: 96.7%
Last SUE: 1.13
Qual. Beats: 2

Risks

Technicals: choppy

Description: DLO Dlocal March 04, 2026

DLocal Limited (DLO) operates a global payment processing platform. This platform facilitates both incoming payments (pay-in) and outgoing payments (pay-out) for businesses.

The companys pay-in solution supports diverse payment methods, including international and local cards, bank transfers, direct debits, cash, and alternative payment methods (APMs). Payment processors are essential infrastructure for e-commerce, enabling transactions across various global regions and payment preferences.

DLocal also offers dLocal for Platforms, a comprehensive payment solution for managing global transactions. The company serves a broad range of industries, including e-commerce, streaming, ride-hailing, and financial services. The payment processing sector is characterized by high transaction volumes and increasing demand for localized payment solutions.

Founded in 2016 and headquartered in Montevideo, Uruguay, DLocal is classified under the Transaction & Payment Processing Services GICS Sub-Industry. For further analysis of DLOs financial performance and market position, consider exploring ValueRays detailed reports.

Headlines to watch out for

  • Emerging market e-commerce growth drives payment processing demand
  • Regulatory changes in Latin America impact cross-border transactions
  • Competition intensifies from global payment platforms
  • Currency fluctuations affect international revenue conversion

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

What is the price of DLO shares?

As of March 11, 2026, the stock is trading at USD 11.98 with a total of 1,161,840 shares traded.
Over the past week, the price has changed by +0.34%, over one month by -8.55%, over three months by -14.37% and over the past year by +45.21%.

Is DLO a buy, sell or hold?

Dlocal has received a consensus analysts rating of 3.50. Therefor, it is recommend to hold DLO.
  • StrongBuy: 2
  • Buy: 1
  • Hold: 7
  • Sell: 0
  • StrongSell: 0

What are the forecasts/targets for the DLO price?

Issuer Target Up/Down from current
Wallstreet Target Price 17.9 49.4%
Analysts Target Price 17.9 49.4%

DLO Fundamental Data Overview March 07, 2026

P/E Trailing = 21.1071
P/E Forward = 14.4928
P/S = 3.6281
P/B = 7.1092
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 = 2.88b USD (3.48b + Debt 3.71m - CCE 604.5m)
Interest Coverage Ratio = 3.76 (Ebit TTM 226.5m / Interest Expense TTM 60.3m)
EV/FCF = 18.33x (Enterprise Value 2.88b / FCF TTM 157.3m)
FCF Yield = 5.46% (FCF TTM 157.3m / Enterprise Value 2.88b)
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 = 2.05 (Enterprise Value 2.88b / 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 = 9.08% (E(3.48b)/V(3.49b) * Re(9.09%) + (debt cost/tax rate unavailable))
Discount Rate = 9.09% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.54%
[DCF] Terminal Value 74.38% ; FCFF base≈153.8m ; Y1≈155.1m ; Y5≈167.2m
[DCF] Fair Price = 18.25 (EV 2.42b - Net Debt -600.8m = Equity 3.02b / Shares 165.7m; r=9.08% [WACC]; 5y FCF grow 0.47% → 2.90% )
EPS Correlation: 24.30 | EPS CAGR: -42.48% | SUE: -3.96 | # QB: 0
Revenue Correlation: 96.73 | Revenue CAGR: 41.79% | SUE: 1.13 | # QB: 2
EPS next Year (2026-12-31): EPS=0.88 | Chg7d=+0.003 | Chg30d=+0.004 | Revisions Net=+2 | Growth EPS=+25.6% | Growth Revenue=+30.0%

Additional Sources for DLO Stock

Fund Manager Positions: Dataroma | Stockcircle