DLO
DLocal Limited
Technology · Software - Infrastructure · NMS
$11.73
Close 2026-05-15
✓ ETHICAL PASS

STRONG MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$3.5B
Trailing P/E
18.05
Forward P/E
10.90
Rev Growth
+65.2%
Profit Margin
18.0%
ROE
37.2%
Analyst Target
$17.65
Recommendation
BUY
About DLocal Limited

DLocal Limited, together with its subsidiaries, provides payment processing services worldwide. The company offers a robust pay-in solution to help global merchants expand their online presence and receive payments, including international and local cards, online bank transfers, direct debit, cash, and hundreds of alternative payment methods (APMs). It also provides pay-in solutions for cross-border and local-to-local transactions, as well as pay-out solutions. In addition, the company offers dLocal for Platforms to manage global platform payments. It serves its products to commerce, streaming, ride-hailing, financial services, remittances, advertising, SaaS, travel, e-learning, on-demand delivery, gaming, and crypto industries. The company was founded in 2016 and is headquartered in Montevideo, Uruguay.

Opportunity Summary
Trading at $12 against a fair value of $32, a 64% discount. Strong competitive moat. Passes all ethical screens. Ranks better than 100% of screened stocks.
Ethical Screen
Business ActivityPASS
Debt Ratio (0.02%)PASS
Cash Ratio (0.23%)PASS
Receivables Ratio (0.00%)PASS
Revenue Ratio (0.00%)PASS
OverallPASS
Score Ethical: 90.5
Score Valuation: 88.0
Score Quality: 85.0
Score Combined: 71.8
Fair Value Est: $32.30 · Margin of Safety: +63.7% · Tier: STRONG OPPORTUNITY

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality96.5
Cash Flow50.0
Moat100.0
Balance Sheet100.0
Debt Purity92.7
Liquid Purity31.5
Rev Purity100.0
Compliance76.8
Tier: PLATINUM · Score: 90.5 · Rank: #7
Earnings History (Last 8 Quarters)
DateEPS Est.Reported EPSSurprise %
2026-08-120.21Pending--
2026-05-140.170.17-1.0%
2026-03-180.180.22+21.8%
2025-11-110.170.21+23.2%
2025-08-130.140.17+23.1%
2025-05-140.120.17+44.8%
2025-02-260.160.16-4.4%
2024-11-130.100.15+45.2%
Quarterly Financials
PeriodRevenueNet IncomeEBITDAGross ProfitOp. IncomeEPS
2026-03-31$335.9M$42.0M$69.9M$118.7M$53.6M0.14
2025-12-31$337.9M$55.5M$49.3M$115.8M$63.1M0.19
2025-09-30$282.5M$51.8M$72.0M$103.2M$55.6M0.18
2025-06-30$256.5M$42.8M$71.4M$98.9M$57.2M0.15
2025-03-31$216.8M$46.6M$62.5M$84.9M$46.2M0.16
2024-12-31
Insider Transactions
No insider transaction data.
Top Institutional Holders
HolderSharesValue% Held
General Atlantic, L.P.46.7M$562.7M0.2%
Summit Trail Advisors, LLC7.7M$92.6M0.0%
Marshall Wace LLP5.0M$59.9M0.0%
Bank of America Corporation4.1M$49.1M0.0%
Cria, Inc.4.0M$48.2M0.0%
Ribbit Management Company, LLC3.9M$46.9M0.0%
BAILLIE GIFFORD & CO2.9M$34.9M0.0%
Shaw D.E. & Co., Inc.2.9M$34.4M0.0%
Fourth Sail Capital LP2.3M$27.3M0.0%
Morgan Stanley2.2M$27.0M0.0%
Analyst Recommendations
3 Months Ago
3
5
2
10 analysts
2 Months Ago
3
5
2
10 analysts
Last Month
3
5
2
10 analysts
Current
3
5
2
10 analysts
Strong Buy Buy Hold Sell Strong Sell
Additional Fundamentals
Enterprise Value
$2.7B
Price/Book
6.40
Beta
1.021
Analysts
10
Total Revenue (TTM)
$1.1B
Total Debt
$109.7M
Earnings Growth
-6.7%
Dividend Yield
1.5%
Rec. Mean
1.70
Short Ratio
8.10
Short % Float
0.1%
Employees
1,274

Elite Intelligence

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Trade Consideration
The Opportunity
Score 71.8 (P100 — top 0.2% of scored tickers). Strong Moat. Ethical PASS. 10 analysts at Buy.
Price: $11.73 | Target: $17.65 (+50%) | Fair Value: $32.30 (+175%)
Score
72
Moat
STRONG
Conviction
Moderate
Upside
+50%
The Fundamentals
Revenue Growth+65.2%
Profit Margin18.0%
ROE37.2%
Forward P/E10.9
Market Cap$3.5B
Earnings Track Record
DateEstimateReportedSurprise
2026-08-12$0.21Pending
2026-05-14$0.17$0.17-1.0%
2026-03-18$0.18$0.22+21.8%
2025-11-11$0.17$0.21+23.2%
2025-08-13$0.14$0.17+23.1%
2025-05-14$0.12$0.17+44.8%
Position Sizing Scenarios
Stop: $9.97 (-15%) | Entry: $11.73
SharesCostProfit to TargetR:R
To Consensus ($17.65, 10 analysts)
10$117.35+$59.10 (50%)3.4R
50$586.75+$295.50 (50%)3.4R
100$1,173.50+$591.00 (50%)3.4R
To Fair Value ($32.30)
10$117.35+$205.60 (175%)11.7R
50$586.75+$1,028.00 (175%)11.7R
100$1,173.50+$2,056.00 (175%)11.7R
Risk Factors
  • Elevated short interest (8.10 days to cover)
The Verdict
DLocal Limited passes all ethical screens, holds a strong competitive moat, is growing revenue at +65.2%, and trades at a 63.7% discount to fair value.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

C
Quant Score
42.5
Risk Grade
LOW_RISK
Layers
8
Quality: STRONG_EARNINGS_DRIFT
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-4.2%
worst expected daily loss, 19 in 20 days
CVaR 95%
-7.3%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
0.30
above 1.0 is good
Max Drawdown
-43.7%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
65
Liquidity Grade
LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
DEATH_CROSS
Bollinger Position
LOWER_HALF
Beta
Relative Volume
2.1x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
75.0%
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

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Inverse Correlated
TickerCorrelation
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Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Thursday
Worst Day
Friday
Best Month
Aug
Worst Month
Feb
Fri-Mon Effect
-1.2839655382660329
Earnings Drift

After this company beats earnings, does the price keep going up? Drift tracks post-earnings momentum.

Avg Drift After Beat
+12.6%
Beat Drift Positive %
83.3%
Consistency
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
-14.8%
3M Return
-5.4%
6M Return
-4.8%
12M Return
+5.4%
Momentum Rank
#3596
Momentum Signal
DOWN

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