Dlocal Ltd
NASDAQ:DLO

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Dlocal Ltd Logo
Dlocal Ltd
NASDAQ:DLO
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Price: 10.715 USD 0.7%
Market Cap: 3.1B USD
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Intrinsic Value

The intrinsic value of one DLO stock under the Base Case scenario is 15.752 USD. Compared to the current market price of 10.715 USD, Dlocal Ltd is Undervalued by 32%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

DLO Intrinsic Value
15.752 USD
Undervaluation 32%
Intrinsic Value
Price
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Base Case
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Dlocal Ltd

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

Economic Moat
Dlocal Ltd

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Financials
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Balance Sheet Decomposition
Dlocal Ltd

Current Assets 1.1B
Cash & Short-Term Investments 672.8m
Receivables 405.9m
Other Current Assets 12.8m
Non-Current Assets 79.6m
PP&E 7.2m
Intangibles 62m
Other Non-Current Assets 10.4m
Current Liabilities 709.9m
Accounts Payable 636.5m
Accrued Liabilities 12.3m
Other Current Liabilities 61.1m
Non-Current Liabilities 4.4m
Long-Term Debt 3m
Other Non-Current Liabilities 1.4m
Efficiency

Earnings Waterfall
Dlocal Ltd

Revenue
729.5m USD
Cost of Revenue
-448.8m USD
Gross Profit
280.7m USD
Operating Expenses
-142.2m USD
Operating Income
138.5m USD
Other Expenses
-19.2m USD
Net Income
119.2m USD

Free Cash Flow Analysis
Dlocal Ltd

Last Value
3-Years Average
FCF Margin
Conversion Rate
Earnings Calls

In Q3 2024, dLocal achieved a record total payment volume of $6.5 billion, reflecting a 41% year-over-year growth. The company reported revenue of $186 million, marking a 13% increase, driven by strong performances in Egypt and Mexico. Adjusted EBITDA reached $52 million, up 23% quarter-over-quarter, with a margin of 28%. Despite a Softer performance in Brazil, where market share declined, dLocal's overall strategy emphasizes diversification across emerging markets. The guidance for Q4 remains stable, anticipating continued growth supported by seasonal commerce spikes, while operational improvements indicate a promising outlook for 2025.

What is Earnings Call?
Fundamental Scores

DLO Profitability Score
Profitability Due Diligence

Dlocal Ltd's profitability score is 66/100. The higher the profitability score, the more profitable the company is.

Positive Free Cash Flow
Exceptional 3-Years Revenue Growth
Exceptional 3-Year Average ROE
Positive Gross Profit
66/100
Profitability
Score

Dlocal Ltd's profitability score is 66/100. The higher the profitability score, the more profitable the company is.

DLO Solvency Score
Solvency Due Diligence

Dlocal Ltd's solvency score is 81/100. The higher the solvency score, the more solvent the company is.

81/100
Solvency
Score

Dlocal Ltd's solvency score is 81/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

DLO Price Targets Summary
Dlocal Ltd

Wall Street analysts forecast DLO stock price to drop over the next 12 months.

According to Wall Street analysts, the average 1-year price target for DLO is 10.427 USD with a low forecast of 8.08 USD and a high forecast of 14.7 USD.

Lowest
Price Target
8.08 USD
25% Downside
Average
Price Target
10.427 USD
3% Downside
Highest
Price Target
14.7 USD
37% Upside
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Dividends

Dlocal Ltd
does not pay dividends
Shareholder Yield

Current shareholder yield for DLO is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
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Profile

Dlocal Ltd Logo
Dlocal Ltd

Country

Uruguay

Industry

Technology

Market Cap

3.1B USD

Dividend Yield

0%

Description

DLocal Ltd. engages in payment processing. The firm offers payment platform for emerging markets. Through the Company's direct application programming interface (API), one technology platform, and one contract, which is collectively referred as the One dLocal model. The firm enables global enterprise merchants to get paid (pay-in) and to make payments (pay-out) online in a safe and efficient manner. The firm's cloud-based platform powers both cross-border and local-to-local transactions in approximately 29 countries. The firm enables global merchants to connect with over 600 local payment methods across different geographies, which expands their addressable markets. The company operates in different verticals and geographies. The firm's key verticals include retail, streaming, ride hailing, financial institutions, advertising, software as a service (SaaS), travel, e-learning and gaming.

Contact

MONTEVIDEO
Dr Luis Bonavita, 1294
dlocal.com

IPO

2021-06-03

Employees

310

Officers

CEO & Director
Mr. Pedro Arnt
Co-President & Director
Mr. Jacobo Singer
Co-President, Chief Strategy Officer & Director
Mr. Sergio Enrique Fogel Kaplan
Chief Financial Officer
Mr. Mark Ortiz
Chief Operating Officer
Mr. Carlos J. Menendez
Chief Technology Officer
Mr. Alberto Almeida
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Head of Investor Relations
Soledad Nager
General Counsel
Ms. Gabriela Vieira
Senior Vice President of Corporate Development, Strategic Finance & IR
Maria Santos Oldham
Chief Revenue Officer
Mr. John O'Brien
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See Also

Discover More
What is the Intrinsic Value of one DLO stock?

The intrinsic value of one DLO stock under the Base Case scenario is 15.752 USD.

Is DLO stock undervalued or overvalued?

Compared to the current market price of 10.715 USD, Dlocal Ltd is Undervalued by 32%.

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