DLOCAL LTD (DLO) Stock Fundamental Analysis

NASDAQ:DLO • KYG290181018

12.54 USD
+0.3 (+2.45%)
At close: Mar 2, 2026
12.45 USD
-0.09 (-0.72%)
After Hours: 3/2/2026, 8:14:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

8

We assign a fundamental rating of 8 out of 10 to DLO. DLO was compared to 97 industry peers in the Financial Services industry. DLO scores excellent points on both the profitability and health parts. This is a solid base for a good stock. 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.


Dividend Valuation Growth Profitability Health

7

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.
DLO Yearly Net Income VS EBIT VS OCF VS FCFDLO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 100M 200M

1.2 Ratios

  • DLO has a better Return On Assets (12.13%) than 93.81% 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 93.81% of the companies in the same industry.
  • With an excellent Return On Invested Capital value of 32.24%, DLO belongs to the best of the industry, outperforming 96.91% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for DLO is significantly above the industry average of 8.42%.
  • The 3 year average ROIC (27.22%) for DLO is below the current ROIC(32.24%), indicating increased profibility in the last year.
Industry RankSector 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%
DLO Yearly ROA, ROE, ROICDLO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 20 40 60

1.3 Margins

  • DLO has a better Profit Margin (17.80%) than 71.13% of its industry peers.
  • DLO's Profit Margin has declined in the last couple of years.
  • With a decent Operating Margin value of 21.02%, DLO is doing good in the industry, outperforming 70.10% of the companies in the same industry.
  • DLO's Operating Margin has declined in the last couple of years.
  • Looking at the Gross Margin, with a value of 38.60%, DLO is in line with its industry, outperforming 57.73% of the companies in the same industry.
  • DLO's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
DLO Yearly Profit, Operating, Gross MarginsDLO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. Health

2.1 Basic Checks

  • DLO has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • The number of shares outstanding for DLO has been reduced compared to 1 year ago.
  • DLO has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, DLO has an improved debt to assets ratio.
DLO Yearly Shares OutstandingDLO Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
DLO Yearly Total Debt VS Total AssetsDLO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

  • DLO has an Altman-Z score of 4.40. This indicates that DLO is financially healthy and has little risk of bankruptcy at the moment.
  • With an excellent Altman-Z score value of 4.40, DLO belongs to the best of the industry, outperforming 88.66% 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.
  • The Debt to FCF ratio of DLO (0.03) is better than 92.78% 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 has a Debt to Equity ratio of 0.01. This is amongst the best in the industry. DLO outperforms 90.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.03
Altman-Z 4.4
ROIC/WACC3.72
WACC8.66%
DLO Yearly LT Debt VS Equity VS FCFDLO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

2.3 Liquidity

  • A Current Ratio of 1.46 indicates that DLO should not have too much problems paying its short term obligations.
  • DLO has a Current ratio of 1.46. This is in the better half of the industry: DLO outperforms 68.04% 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 70.10% of its industry peers.
Industry RankSector Rank
Current Ratio 1.46
Quick Ratio 1.46
DLO Yearly Current Assets VS Current LiabilitesDLO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

9

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 27.27% over the past year.
  • 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!
  • Measured over the past years, DLO shows a very strong growth in Revenue. The Revenue has been growing by 68.27% on average per year.
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 40.05% on average per year.
  • DLO is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 31.92% yearly.
EPS Next Y66.26%
EPS Next 2Y47.56%
EPS Next 3Y40.05%
EPS Next 5YN/A
Revenue Next Year40.16%
Revenue Next 2Y35.65%
Revenue Next 3Y31.92%
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.
  • 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.
DLO Yearly Revenue VS EstimatesDLO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
DLO Yearly EPS VS EstimatesDLO Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • DLO is valuated rather expensively with a Price/Earnings ratio of 22.39.
  • The rest of the industry has a similar Price/Earnings ratio as DLO.
  • Compared to an average S&P500 Price/Earnings ratio of 27.13, DLO is valued at the same level.
  • With a Price/Forward Earnings ratio of 14.40, DLO is valued correctly.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of DLO is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of DLO to the average of the S&P500 Index (28.11), we can say DLO is valued slightly cheaper.
Industry RankSector Rank
PE 22.39
Fwd PE 14.4
DLO Price Earnings VS Forward Price EarningsDLO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, DLO is valued a bit cheaper than the industry average as 60.82% of the companies are valued more expensively.
  • DLO's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 25.94
EV/EBITDA 12.6
DLO Per share dataDLO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

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.
  • The decent profitability rating of DLO may justify a higher PE ratio.
  • A more expensive valuation may be justified as DLO's earnings are expected to grow with 40.05% in the coming years.
PEG (NY)0.34
PEG (5Y)0.44
EPS Next 2Y47.56%
EPS Next 3Y40.05%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.17%, DLO is a good candidate for dividend investing.
  • DLO's Dividend Yield is rather good when compared to the industry average which is at 2.34. DLO pays more dividend than 80.41% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, DLO pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.17%

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
DLO Yearly Dividends per shareDLO Yearly Dividends per shareYearly Dividends per share 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

DPN/A
EPS Next 2Y47.56%
EPS Next 3Y40.05%
DLO Yearly Income VS Free CF VS DividendDLO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 2024 0 100M 200M

More info and screens

Find the best dividend stocksShow peers with best dividend

DLOCAL LTD

NASDAQ:DLO (3/2/2026, 8:14:03 PM)

After market: 12.45 -0.09 (-0.72%)

12.54

+0.3 (+2.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-12
Earnings (Next)03-18
Inst Owners31.38%
Inst Owner Change6.07%
Ins Owners5.38%
Ins Owner ChangeN/A
Market Cap3.70B
Revenue(TTM)960.19M
Net Income(TTM)170.95M
Analysts78.57
Price Target18.02 (43.7%)
Short Float %13.49%
Short Ratio10.48
Dividend
Industry RankSector Rank
Dividend Yield 4.17%
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)-0.62%
PT rev (3m)3.16%
EPS NQ rev (1m)-1.59%
EPS NQ rev (3m)2.13%
EPS NY rev (1m)0.17%
EPS NY rev (3m)3.41%
Revenue NQ rev (1m)1.11%
Revenue NQ rev (3m)4.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.81%
Valuation
Industry RankSector Rank
PE 22.39
Fwd PE 14.4
P/S 3.85
P/FCF 25.94
P/OCF 21.25
P/B 7.33
P/tB 8.54
EV/EBITDA 12.6
EPS(TTM)0.56
EY4.47%
EPS(NY)0.87
Fwd EY6.95%
FCF(TTM)0.48
FCFY3.86%
OCF(TTM)0.59
OCFY4.71%
SpS3.26
BVpS1.71
TBVpS1.47
PEG (NY)0.34
PEG (5Y)0.44
Graham Number4.64
Profitability
Industry RankSector 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 RankSector 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 4.4
F-Score7
WACC8.66%
ROIC/WACC3.72
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 Y66.26%
EPS Next 2Y47.56%
EPS Next 3Y40.05%
EPS Next 5YN/A
Revenue 1Y (TTM)31.63%
Revenue growth 3Y45.11%
Revenue growth 5Y68.27%
Sales Q2Q%52.06%
Revenue Next Year40.16%
Revenue Next 2Y35.65%
Revenue Next 3Y31.92%
Revenue Next 5YN/A
EBIT growth 1Y45.72%
EBIT growth 3Y18.89%
EBIT growth 5Y50.31%
EBIT Next Year75.49%
EBIT Next 3Y42.05%
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 8 / 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 22.39 and the Price/Book (PB) ratio is 7.33.


Can you provide the expected EPS growth for DLO stock?

The Earnings per Share (EPS) of DLOCAL LTD (DLO) is expected to grow by 66.26% in the next year.