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DLOCAL LTD (DLO) Stock Fundamental Analysis

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

10.27  -0.12 (-1.15%)

Premarket: 9.7 -0.57 (-5.55%)

Fundamental Rating

6

DLO gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 99 industry peers in the Financial Services industry. DLO has an excellent profitability rating, but there are some minor concerns on its financial health. DLO is growing strongly while it is still valued neutral. This is a good combination! These ratings would make DLO suitable for growth investing!


Dividend Valuation Growth Profitability Health

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7

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.
In the past 5 years DLO has always been profitable.
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's Return On Assets of 12.03% is amongst the best of the industry. DLO outperforms 94.95% of its industry peers.
The Return On Equity of DLO (27.40%) is better than 88.89% of its industry peers.
DLO has a Return On Invested Capital of 23.82%. This is amongst the best in the industry. DLO outperforms 94.95% 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 11.83%.
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 74.75% of its industry peers.
In the last couple of years the Profit Margin of DLO has declined.
DLO has a better Operating Margin (20.61%) than 67.68% of its industry peers.
DLO's Operating Margin has declined in the last couple of years.
DLO has a better Gross Margin (40.68%) than 60.61% of its industry peers.
In the last couple of years the Gross Margin of DLO has declined.
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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6

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
Compared to 5 years ago, DLO has less shares outstanding
The debt/assets ratio for DLO has been reduced compared to a year ago.
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

An Altman-Z score of 4.64 indicates that DLO is not in any danger for bankruptcy at the moment.
The Altman-Z score of DLO (4.64) is better than 89.90% 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 90.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Altman-Z 4.64
ROIC/WACC2.61
WACC9.12%
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

DLO has a Current Ratio of 1.65. 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 (1.65) than 70.71% of its industry peers.
A Quick Ratio of 1.65 indicates that DLO should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.65, DLO is doing good in the industry, outperforming 72.73% of the companies in the same industry.
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.
The Revenue has grown by 11.59% in the past year. This is quite good.
The Revenue has been growing by 68.27% on average over the past years. This is a very strong growth!
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

The Earnings Per Share is expected to grow by 36.34% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 26.35% on average over the next years. This is a very strong growth
EPS Next Y48.16%
EPS Next 2Y41.67%
EPS Next 3Y36.34%
EPS Next 5YN/A
Revenue Next Year29.02%
Revenue Next 2Y28.19%
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

DLO is valuated rather expensively with a Price/Earnings ratio of 20.96.
Based on the Price/Earnings ratio, DLO is valued a bit more expensive than 61.62% 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 slightly cheaper.
DLO is valuated correctly with a Price/Forward Earnings ratio of 12.79.
Compared to the rest of the industry, the Price/Forward Earnings ratio of DLO is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.39. DLO is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 20.96
Fwd PE 12.79
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

62.63% of the companies in the same industry are more expensive than DLO, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 12.12
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

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.
A more expensive valuation may be justified as DLO's earnings are expected to grow with 36.34% in the coming years.
PEG (NY)0.44
PEG (5Y)0.41
EPS Next 2Y41.67%
EPS Next 3Y36.34%

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4

5. Dividend

5.1 Amount

DLO has a Yearly Dividend Yield of 5.01%, which is a nice return.
DLO's Dividend Yield is rather good when compared to the industry average which is at 4.93. DLO pays more dividend than 84.85% of the companies in the same industry.
DLO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 5.01%

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 2Y41.67%
EPS Next 3Y36.34%
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 (6/12/2025, 8:00:01 PM)

Premarket: 9.7 -0.57 (-5.55%)

10.27

-0.12 (-1.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-14 2025-05-14/amc
Earnings (Next)08-12 2025-08-12/amc
Inst Owners28.21%
Inst Owner Change-7.74%
Ins Owners2.6%
Ins Owner ChangeN/A
Market Cap2.93B
Analysts71.43
Price Target12.48 (21.52%)
Short Float %16.89%
Short Ratio12.79
Dividend
Industry RankSector Rank
Dividend Yield 5.01%
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)8.14%
PT rev (3m)8.74%
EPS NQ rev (1m)6.9%
EPS NQ rev (3m)4.74%
EPS NY rev (1m)2.13%
EPS NY rev (3m)-0.65%
Revenue NQ rev (1m)-0.77%
Revenue NQ rev (3m)4.52%
Revenue NY rev (1m)1.22%
Revenue NY rev (3m)1.2%
Valuation
Industry RankSector Rank
PE 20.96
Fwd PE 12.79
P/S 3.77
P/FCF N/A
P/OCF 129.39
P/B 5.38
P/tB 6.11
EV/EBITDA 12.12
EPS(TTM)0.49
EY4.77%
EPS(NY)0.8
Fwd EY7.82%
FCF(TTM)-0.01
FCFYN/A
OCF(TTM)0.08
OCFY0.77%
SpS2.73
BVpS1.91
TBVpS1.68
PEG (NY)0.44
PEG (5Y)0.41
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 4.64
F-Score7
WACC9.12%
ROIC/WACC2.61
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 Y48.16%
EPS Next 2Y41.67%
EPS Next 3Y36.34%
EPS Next 5YN/A
Revenue 1Y (TTM)11.59%
Revenue growth 3Y45.11%
Revenue growth 5Y68.27%
Sales Q2Q%17.53%
Revenue Next Year29.02%
Revenue Next 2Y28.19%
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