14.14 USD
-0.17 (-1.19%)
14.08 USD
-0.06 (-0.42%)
We assign a fundamental rating of 7 out of 10 to DLO. DLO was compared to 98 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 not overvalued while it is showing excellent growth. This is an interesting combination. These ratings could make DLO a good candidate for growth and quality investing.
1. Profitability
1.1 Basic Checks
DLO had positive earnings in the past year.
DLO had a positive operating cash flow in the past year.
DLO had positive earnings in each of the past 5 years.
Of the past 5 years DLO 4 years had a positive operating cash flow.
1.2 Ratios
DLO has a Return On Assets of 12.13%. This is amongst the best in the industry. DLO outperforms 93.88% of its industry peers.
The Return On Equity of DLO (33.88%) is better than 93.88% of its industry peers.
With an excellent Return On Invested Capital value of 32.24%, DLO belongs to the best of the industry, outperforming 96.94% of the companies in the same industry.
DLO had an Average Return On Invested Capital over the past 3 years of 27.22%. This is significantly above the industry average of 8.44%.
The 3 year average ROIC (27.22%) for DLO is below the current ROIC(32.24%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
DLO has a better Profit Margin (17.80%) than 68.37% of its industry peers.
In the last couple of years the Profit Margin of DLO has declined.
DLO has a better Operating Margin (21.02%) than 69.39% of its industry peers.
In the last couple of years the Operating Margin of DLO has declined.
DLO has a Gross Margin (38.60%) which is comparable to the rest of the industry.
In the last couple of years the Gross Margin of DLO has declined.
| Industry Rank | Sector 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%
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.
The number of shares outstanding for DLO has been reduced compared to 5 years ago.
DLO has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 4.77 indicates that DLO is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 4.77, DLO belongs to the top of the industry, outperforming 89.80% of the companies in the same industry.
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 better Debt to FCF ratio (0.03) than 92.86% 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.
DLO's Debt to Equity ratio of 0.01 is amongst the best of the industry. DLO outperforms 89.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.03 | ||
| Altman-Z | 4.77 |
ROIC/WACC3.63
WACC8.87%
2.3 Liquidity
A Current Ratio of 1.46 indicates that DLO should not have too much problems paying its short term obligations.
The Current ratio of DLO (1.46) is better than 68.37% 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.
The Quick ratio of DLO (1.46) is better than 69.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.46 | ||
| Quick Ratio | 1.46 |
3. Growth
3.1 Past
DLO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.27%, which is quite impressive.
DLO shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 51.16% yearly.
Looking at the last year, DLO shows a very strong growth in Revenue. The Revenue has grown by 31.63%.
The Revenue has been growing by 68.27% on average over the past years. This is a very strong growth!
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 39.79% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 31.69% on average over the next years. This is a very strong growth
EPS Next Y64.85%
EPS Next 2Y47.27%
EPS Next 3Y39.79%
EPS Next 5YN/A
Revenue Next Year39.5%
Revenue Next 2Y35.12%
Revenue Next 3Y31.69%
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 25.25, DLO can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of DLO indicates a slightly more expensive valuation: DLO is more expensive than 63.27% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.51, DLO is valued at the same level.
Based on the Price/Forward Earnings ratio of 16.30, the valuation of DLO can be described as correct.
DLO's Price/Forward Earnings ratio is in line with the industry average.
DLO is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.25 | ||
| Fwd PE | 16.3 |
4.2 Price Multiples
DLO's Enterprise Value to EBITDA ratio is in line with the industry average.
The rest of the industry has a similar Price/Free Cash Flow ratio as DLO.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.25 | ||
| EV/EBITDA | 15.11 |
4.3 Compensation for Growth
DLO's 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 39.79% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)0.49
EPS Next 2Y47.27%
EPS Next 3Y39.79%
5. Dividend
5.1 Amount
DLO has a Yearly Dividend Yield of 3.62%.
DLO's Dividend Yield is a higher than the industry average which is at 2.36.
DLO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.62% |
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
5.3 Sustainability
DPN/A
EPS Next 2Y47.27%
EPS Next 3Y39.79%
14.14
-0.17 (-1.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners30.8%
Inst Owner Change-5.27%
Ins Owners5.38%
Ins Owner ChangeN/A
Market Cap4.17B
Revenue(TTM)960.19M
Net Income(TTM)170.95M
Analysts76.92
Price Target18.02 (27.44%)
Short Float %14.43%
Short Ratio7.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.62% |
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)3.16%
PT rev (3m)29.55%
EPS NQ rev (1m)3.78%
EPS NQ rev (3m)8.91%
EPS NY rev (1m)2.53%
EPS NY rev (3m)3.96%
Revenue NQ rev (1m)3.12%
Revenue NQ rev (3m)6.31%
Revenue NY rev (1m)2.33%
Revenue NY rev (3m)3.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.25 | ||
| Fwd PE | 16.3 | ||
| P/S | 4.34 | ||
| P/FCF | 29.25 | ||
| P/OCF | 23.96 | ||
| P/B | 8.26 | ||
| P/tB | 9.63 | ||
| EV/EBITDA | 15.11 |
EPS(TTM)0.56
EY3.96%
EPS(NY)0.87
Fwd EY6.14%
FCF(TTM)0.48
FCFY3.42%
OCF(TTM)0.59
OCFY4.17%
SpS3.26
BVpS1.71
TBVpS1.47
PEG (NY)0.39
PEG (5Y)0.49
Graham Number4.64
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 4.77 |
F-Score7
WACC8.87%
ROIC/WACC3.63
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 Y64.85%
EPS Next 2Y47.27%
EPS Next 3Y39.79%
EPS Next 5YN/A
Revenue 1Y (TTM)31.63%
Revenue growth 3Y45.11%
Revenue growth 5Y68.27%
Sales Q2Q%52.06%
Revenue Next Year39.5%
Revenue Next 2Y35.12%
Revenue Next 3Y31.69%
Revenue Next 5YN/A
EBIT growth 1Y45.72%
EBIT growth 3Y18.89%
EBIT growth 5Y50.31%
EBIT Next Year75.42%
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 7 / 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 25.25 and the Price/Book (PB) ratio is 8.26.
Can you provide the expected EPS growth for DLO stock?
The Earnings per Share (EPS) of DLOCAL LTD (DLO) is expected to grow by 64.85% in the next year.