13.7 USD
+0.23 (+1.71%)
DLO gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 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 growing strongly while it is still valued neutral. This is a good combination! These ratings would make DLO suitable for growth and quality investing!
1. Profitability
1.1 Basic Checks
In the past year DLO was profitable.
In the past year DLO had a positive cash flow from operations.
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 better Return On Assets (12.13%) than 94.90% of its industry peers.
DLO's Return On Equity of 33.88% is amongst the best of the industry. DLO outperforms 94.90% of its industry peers.
DLO's Return On Invested Capital of 32.24% is amongst the best of the industry. DLO outperforms 96.94% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for DLO is significantly above the industry average of 8.20%.
The last Return On Invested Capital (32.24%) for DLO is above the 3 year average (27.22%), which is a sign of increasing profitability.
| 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 Profit Margin of 17.80%. This is in the better half of the industry: DLO outperforms 69.39% of its industry peers.
In the last couple of years the Profit Margin of DLO has declined.
Looking at the Operating Margin, with a value of 21.02%, DLO is in the better half of the industry, outperforming 68.37% of the companies in the same industry.
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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so DLO is creating value.
DLO has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, DLO has less shares outstanding
The debt/assets ratio for DLO has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 4.64 indicates that DLO is not in any danger for bankruptcy at the moment.
DLO has a Altman-Z score of 4.64. This is amongst the best in the industry. DLO outperforms 87.76% of its industry peers.
The Debt to FCF ratio of DLO is 0.03, which is an excellent value as it means it would take DLO, only 0.03 years of fcf income to pay off all of its debts.
DLO has a better Debt to FCF ratio (0.03) than 92.86% of its industry peers.
A Debt/Equity ratio of 0.01 indicates that DLO is not too dependend on debt financing.
DLO's Debt to Equity ratio of 0.01 is amongst the best of the industry. DLO outperforms 88.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.03 | ||
| Altman-Z | 4.64 |
ROIC/WACC3.68
WACC8.75%
2.3 Liquidity
A Current Ratio of 1.46 indicates that DLO should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.46, DLO is in the better half of the industry, outperforming 67.35% of the companies in the same industry.
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.
DLO's Quick ratio of 1.46 is fine compared to the rest of the industry. DLO outperforms 68.37% 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.
Measured over the past years, DLO shows a very strong growth in Earnings Per Share. The EPS has been growing by 51.16% on average per year.
The Revenue has grown by 31.63% in the past year. This is a very strong growth!
DLO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 68.27% yearly.
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
Based on estimates for the next years, DLO will show a very strong growth in Earnings Per Share. The EPS will grow by 38.29% on average per year.
The Revenue is expected to grow by 28.01% on average over the next years. This is a very strong growth
EPS Next Y60.78%
EPS Next 2Y44.56%
EPS Next 3Y38.29%
EPS Next 5YN/A
Revenue Next Year36.33%
Revenue Next 2Y31.45%
Revenue Next 3Y28.01%
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
DLO is valuated rather expensively with a Price/Earnings ratio of 24.46.
Based on the Price/Earnings ratio, DLO is valued a bit more expensive than 62.24% of the companies in the same industry.
When comparing the Price/Earnings ratio of DLO to the average of the S&P500 Index (26.41), we can say DLO is valued inline with the index average.
DLO is valuated correctly with a Price/Forward Earnings ratio of 16.39.
DLO's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 35.40. DLO is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.46 | ||
| Fwd PE | 16.39 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of DLO is on the same level as its industry peers.
The rest of the industry has a similar Price/Free Cash Flow ratio as DLO.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.34 | ||
| EV/EBITDA | 14.22 |
4.3 Compensation for Growth
The 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 38.29% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)0.48
EPS Next 2Y44.56%
EPS Next 3Y38.29%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.80%, DLO has a reasonable but not impressive dividend return.
DLO's Dividend Yield is a higher than the industry average which is at 4.97.
DLO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.8% |
5.2 History
DLO is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y44.56%
EPS Next 3Y38.29%
NASDAQ:DLO (12/5/2025, 12:12:00 PM)
13.7
+0.23 (+1.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners24.16%
Inst Owner Change-5.28%
Ins Owners5.42%
Ins Owner ChangeN/A
Market Cap4.04B
Revenue(TTM)960.19M
Net Income(TTM)170.95M
Analysts75.38
Price Target17.47 (27.52%)
Short Float %14.61%
Short Ratio5.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.8% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)18.1%
PT rev (3m)25.57%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.79%
EPS NY rev (1m)0%
EPS NY rev (3m)1.88%
Revenue NQ rev (1m)1.75%
Revenue NQ rev (3m)3.34%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.46 | ||
| Fwd PE | 16.39 | ||
| P/S | 4.21 | ||
| P/FCF | 28.34 | ||
| P/OCF | 23.22 | ||
| P/B | 8 | ||
| P/tB | 9.33 | ||
| EV/EBITDA | 14.22 |
EPS(TTM)0.56
EY4.09%
EPS(NY)0.84
Fwd EY6.1%
FCF(TTM)0.48
FCFY3.53%
OCF(TTM)0.59
OCFY4.31%
SpS3.26
BVpS1.71
TBVpS1.47
PEG (NY)0.4
PEG (5Y)0.48
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 | 4.64 |
F-Score7
WACC8.75%
ROIC/WACC3.68
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 Y60.78%
EPS Next 2Y44.56%
EPS Next 3Y38.29%
EPS Next 5YN/A
Revenue 1Y (TTM)31.63%
Revenue growth 3Y45.11%
Revenue growth 5Y68.27%
Sales Q2Q%52.06%
Revenue Next Year36.33%
Revenue Next 2Y31.45%
Revenue Next 3Y28.01%
Revenue Next 5YN/A
EBIT growth 1Y45.72%
EBIT growth 3Y18.89%
EBIT growth 5Y50.31%
EBIT Next Year74.32%
EBIT Next 3Y39.37%
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.
Can you provide the valuation status for DLOCAL LTD?
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 is the valuation of DLOCAL LTD based on its PE and PB ratios?
The Price/Earnings (PE) ratio for DLOCAL LTD (DLO) is 24.46 and the Price/Book (PB) ratio is 8.
What is the earnings growth outlook for DLOCAL LTD?
The Earnings per Share (EPS) of DLOCAL LTD (DLO) is expected to grow by 60.78% in the next year.