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DLOCAL LTD (DLO) Stock Fundamental Analysis

NASDAQ:DLO - Nasdaq - KYG290181018 - Common Stock - Currency: USD

11.18  +0.41 (+3.81%)

After market: 11.0264 -0.15 (-1.37%)

Fundamental Rating

6

DLO gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 100 industry peers in the Financial Services industry. DLO is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. DLO is not priced too expensively while it is growing strongly. Keep and eye on this one! This makes DLO very considerable for growth investing!


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

DLO had positive earnings in the past year.
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 (12.03%) than 95.00% of its industry peers.
DLO's Return On Equity of 27.40% is amongst the best of the industry. DLO outperforms 89.00% of its industry peers.
DLO's Return On Invested Capital of 23.82% is amongst the best of the industry. DLO outperforms 95.00% of its industry peers.
DLO had an Average Return On Invested Capital over the past 3 years of 27.22%. This is significantly above the industry average of 11.84%.
Industry RankSector Rank
ROA 12.03%
ROE 27.4%
ROIC 23.82%
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 (19.19%) than 75.00% of its industry peers.
DLO's Profit Margin has declined in the last couple of years.
DLO has a better Operating Margin (20.61%) than 68.00% of its industry peers.
DLO's Operating Margin has declined in the last couple of years.
The Gross Margin of DLO (40.68%) is comparable to the rest of the industry.
DLO's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 20.61%
PM (TTM) 19.19%
GM 40.68%
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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7

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.
Compared to 1 year ago, DLO has less shares outstanding
DLO has less shares outstanding than it did 5 years ago.
DLO has a better debt/assets ratio than last year.
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 4.77. This indicates that DLO is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 4.77, DLO belongs to the best of the industry, outperforming 88.00% of the companies in the same industry.
DLO has a Debt/Equity ratio of 0.01. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of DLO (0.01) is better than 90.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Altman-Z 4.77
ROIC/WACC2.63
WACC9.05%
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 1.65 indicates that DLO should not have too much problems paying its short term obligations.
DLO's Current ratio of 1.65 is fine compared to the rest of the industry. DLO outperforms 70.00% of its industry peers.
A Quick Ratio of 1.65 indicates that DLO should not have too much problems paying its short term obligations.
DLO has a better Quick ratio (1.65) than 72.00% of its industry peers.
Industry RankSector Rank
Current Ratio 1.65
Quick Ratio 1.65
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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8

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 2.08% 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.
DLO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.59%.
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)2.08%
EPS 3Y16.43%
EPS 5Y51.16%
EPS Q2Q%150%
Revenue 1Y (TTM)11.59%
Revenue growth 3Y45.11%
Revenue growth 5Y68.27%
Sales Q2Q%17.53%

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 36.16% on average per year.
The Revenue is expected to grow by 26.35% on average over the next years. This is a very strong growth
EPS Next Y51.5%
EPS Next 2Y40.71%
EPS Next 3Y36.16%
EPS Next 5YN/A
Revenue Next Year29%
Revenue Next 2Y27.78%
Revenue Next 3Y26.35%
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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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 22.82, DLO is valued on the expensive side.
Based on the Price/Earnings ratio, DLO is valued a bit more expensive than the industry average as 60.00% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 27.53, DLO is valued at the same level.
Based on the Price/Forward Earnings ratio of 14.12, the valuation of DLO can be described as correct.
The rest of the industry has a similar Price/Forward Earnings ratio as DLO.
The average S&P500 Price/Forward Earnings ratio is at 36.71. DLO is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 22.82
Fwd PE 14.12
DLO Price Earnings VS Forward Price EarningsDLO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

DLO's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. DLO is cheaper than 62.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 12.91
DLO Per share dataDLO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 1 1.5 2 2.5

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.
A more expensive valuation may be justified as DLO's earnings are expected to grow with 36.16% in the coming years.
PEG (NY)0.44
PEG (5Y)0.45
EPS Next 2Y40.71%
EPS Next 3Y36.16%

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4

5. Dividend

5.1 Amount

DLO has a Yearly Dividend Yield of 4.83%, which is a nice return.
Compared to an average industry Dividend Yield of 5.06, DLO pays a better dividend. On top of this DLO pays more dividend than 81.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, DLO pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.83%

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
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 2Y40.71%
EPS Next 3Y36.16%
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

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DLOCAL LTD

NASDAQ:DLO (7/23/2025, 4:42:57 PM)

After market: 11.0264 -0.15 (-1.37%)

11.18

+0.41 (+3.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-14 2025-05-14/amc
Earnings (Next)08-13 2025-08-13/amc
Inst Owners20.67%
Inst Owner Change0.02%
Ins Owners5.89%
Ins Owner ChangeN/A
Market Cap3.19B
Analysts71.43
Price Target12.98 (16.1%)
Short Float %24.31%
Short Ratio11.93
Dividend
Industry RankSector Rank
Dividend Yield 4.83%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date05-27 2025-05-27 (0.5251)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.94%
Min EPS beat(2)-32.38%
Max EPS beat(2)24.5%
EPS beat(4)2
Avg EPS beat(4)9.05%
Min EPS beat(4)-32.38%
Max EPS beat(4)57.36%
EPS beat(8)3
Avg EPS beat(8)-2.51%
EPS beat(12)5
Avg EPS beat(12)-5.97%
EPS beat(16)7
Avg EPS beat(16)-1.48%
Revenue beat(2)1
Avg Revenue beat(2)0.13%
Min Revenue beat(2)-1.89%
Max Revenue beat(2)2.16%
Revenue beat(4)2
Avg Revenue beat(4)-4.13%
Min Revenue beat(4)-18.13%
Max Revenue beat(4)2.16%
Revenue beat(8)4
Avg Revenue beat(8)-1.14%
Revenue beat(12)7
Avg Revenue beat(12)-0.53%
Revenue beat(16)11
Avg Revenue beat(16)3.03%
PT rev (1m)4.05%
PT rev (3m)10.09%
EPS NQ rev (1m)-2.37%
EPS NQ rev (3m)4.37%
EPS NY rev (1m)-1.23%
EPS NY rev (3m)4.43%
Revenue NQ rev (1m)1.58%
Revenue NQ rev (3m)0.79%
Revenue NY rev (1m)0.14%
Revenue NY rev (3m)0.67%
Valuation
Industry RankSector Rank
PE 22.82
Fwd PE 14.12
P/S 4.1
P/FCF N/A
P/OCF 140.86
P/B 5.86
P/tB 6.65
EV/EBITDA 12.91
EPS(TTM)0.49
EY4.38%
EPS(NY)0.79
Fwd EY7.08%
FCF(TTM)-0.01
FCFYN/A
OCF(TTM)0.08
OCFY0.71%
SpS2.73
BVpS1.91
TBVpS1.68
PEG (NY)0.44
PEG (5Y)0.45
Profitability
Industry RankSector Rank
ROA 12.03%
ROE 27.4%
ROCE 29.18%
ROIC 23.82%
ROICexc N/A
ROICexgc N/A
OM 20.61%
PM (TTM) 19.19%
GM 40.68%
FCFM N/A
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%
ROICexcg growth 3YN/A
ROICexcg 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 Turnover0.63
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Debt/EBITDA 0.02
Cap/Depr 128.71%
Cap/Sales 3.13%
Interest Coverage 32.44
Cash Conversion 12.63%
Profit Quality N/A
Current Ratio 1.65
Quick Ratio 1.65
Altman-Z 4.77
F-Score7
WACC9.05%
ROIC/WACC2.63
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)2.08%
EPS 3Y16.43%
EPS 5Y51.16%
EPS Q2Q%150%
EPS Next Y51.5%
EPS Next 2Y40.71%
EPS Next 3Y36.16%
EPS Next 5YN/A
Revenue 1Y (TTM)11.59%
Revenue growth 3Y45.11%
Revenue growth 5Y68.27%
Sales Q2Q%17.53%
Revenue Next Year29%
Revenue Next 2Y27.78%
Revenue Next 3Y26.35%
Revenue Next 5YN/A
EBIT growth 1Y-2.07%
EBIT growth 3Y18.89%
EBIT growth 5Y50.31%
EBIT Next Year57.33%
EBIT Next 3Y36.52%
EBIT Next 5YN/A
FCF growth 1Y-101.13%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-86.11%
OCF growth 3YN/A
OCF growth 5YN/A