14.07 USD
-0.07 (-0.5%)
14.1902 USD
+0.12 (+0.85%)
Taking everything into account, DLO scores 7 out of 10 in our fundamental rating. 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 growing strongly while it is still valued neutral. This is a good combination! With these ratings, DLO could be worth investigating further 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.
DLO had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
DLO has a better Return On Assets (12.13%) than 93.88% of its industry peers.
Looking at the Return On Equity, with a value of 33.88%, DLO belongs to the top of the industry, outperforming 93.88% of the companies in the same industry.
The Return On Invested Capital of DLO (32.24%) is better than 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 8.44%.
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 better Profit Margin (17.80%) than 68.37% of its industry peers.
DLO's Profit Margin has declined in the last couple of years.
DLO has a Operating Margin of 21.02%. This is in the better half of the industry: DLO outperforms 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
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.
DLO has less shares outstanding than it did 5 years ago.
DLO has a better debt/assets ratio than last year.
2.2 Solvency
DLO has an Altman-Z score of 4.77. This indicates that DLO is financially healthy and has little risk of bankruptcy at the moment.
DLO's Altman-Z score of 4.77 is amongst the best of the industry. DLO outperforms 89.80% of its industry peers.
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 Debt to FCF ratio of 0.03. This is amongst the best in the industry. DLO outperforms 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 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
DLO has a Current 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 has a better Current ratio (1.46) than 68.37% of its industry peers.
A Quick Ratio of 1.46 indicates that DLO should not have too much problems paying its short term obligations.
DLO has a Quick ratio of 1.46. This is in the better half of the industry: DLO outperforms 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.
The Revenue has grown by 31.63% in the past year. This is a very strong growth!
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
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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
DLO is valuated quite expensively with a Price/Earnings ratio of 25.12.
Based on the Price/Earnings ratio, DLO is valued a bit more expensive than 63.27% of the companies in the same industry.
When comparing the Price/Earnings ratio of DLO to the average of the S&P500 Index (26.60), we can say DLO is valued inline with the index average.
Based on the Price/Forward Earnings ratio of 16.22, the valuation of DLO can be described as correct.
The rest of the industry has a similar Price/Forward Earnings ratio as DLO.
DLO is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.23, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.12 | ||
| Fwd PE | 16.22 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as DLO.
DLO's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.1 | ||
| EV/EBITDA | 15.11 |
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 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%.
Compared to an average industry Dividend Yield of 2.36, DLO pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, DLO pays a better dividend.
| 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%
14.07
-0.07 (-0.5%)
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 Cap4.15B
Revenue(TTM)960.19M
Net Income(TTM)170.95M
Analysts76.92
Price Target18.02 (28.07%)
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 | 25.12 | ||
| Fwd PE | 16.22 | ||
| P/S | 4.32 | ||
| P/FCF | 29.1 | ||
| P/OCF | 23.84 | ||
| P/B | 8.22 | ||
| P/tB | 9.58 | ||
| EV/EBITDA | 15.11 |
EPS(TTM)0.56
EY3.98%
EPS(NY)0.87
Fwd EY6.17%
FCF(TTM)0.48
FCFY3.44%
OCF(TTM)0.59
OCFY4.19%
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 25.12 and the Price/Book (PB) ratio is 8.22.
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.