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Upturn AI SWOT - About
Dlocal Ltd (DLO)
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Upturn Advisory Summary
06/30/2025: DLO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
10 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $12.61
1 Year Target Price $12.61
| 2 | Strong Buy |
| 1 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -35.86% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.28B USD | Price to earnings Ratio 23.92 | 1Y Target Price 12.61 |
Price to earnings Ratio 23.92 | 1Y Target Price 12.61 | ||
Volume (30-day avg) 10 | Beta 1.07 | 52 Weeks Range 6.26 - 13.59 | Updated Date 06/30/2025 |
52 Weeks Range 6.26 - 13.59 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 19.19% | Operating Margin (TTM) 21.15% |
Management Effectiveness
Return on Assets (TTM) 8.31% | Return on Equity (TTM) 29.24% |
Valuation
Trailing PE 23.92 | Forward PE 20.45 | Enterprise Value 2644823078 | Price to Sales(TTM) 4.21 |
Enterprise Value 2644823078 | Price to Sales(TTM) 4.21 | ||
Enterprise Value to Revenue 3.4 | Enterprise Value to EBITDA 14.31 | Shares Outstanding 151476000 | Shares Floating 67305125 |
Shares Outstanding 151476000 | Shares Floating 67305125 | ||
Percent Insiders 16.68 | Percent Institutions 62.88 |
Analyst Ratings
Rating 4 | Target Price 12.61 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 7 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Dlocal Ltd
Company Overview
History and Background
DLocal Ltd, founded in Uruguay in 2016, is a payments platform that connects global merchants with emerging markets. It helps companies accept payments and make payouts in local currencies, navigating complex regulatory landscapes.
Core Business Areas
- Cross-Border Payments: Facilitates payments for international merchants operating in emerging markets, enabling them to accept local payment methods.
- Payout Solutions: Provides solutions for merchants to disburse funds to local recipients in emerging markets, including suppliers, affiliates, and employees.
Leadership and Structure
DLocal's leadership team consists of experienced executives in the payments and technology industries. The company operates with a global presence, with offices and teams located in key emerging markets.
Top Products and Market Share
Key Offerings
- One dLocal Platform: A unified platform that enables merchants to process payments and payouts in multiple emerging markets. Market share information is not publicly available. Competitors include PayU, Worldline, and Adyen.
- Payins: Solutions for accepting local payment methods, including credit cards, debit cards, bank transfers, and alternative payment methods. Market share information is not publicly available. Competitors include Checkout.com and Nuvei.
- Payouts: Solutions for disbursing funds to local recipients in various emerging markets. Market share information is not publicly available. Competitors include Rapyd and Thunes.
Market Dynamics
Industry Overview
The payment processing industry is experiencing significant growth due to the increasing adoption of e-commerce and cross-border trade, especially in emerging markets. It is a competitive market with high regulatory burden
Positioning
DLocal positions itself as a specialist in emerging markets, offering a single platform for merchants to access these markets. It has a competitive advantage in its local expertise and relationships.
Total Addressable Market (TAM)
The total addressable market for cross-border payments in emerging markets is estimated to be in the hundreds of billions of dollars. DLocal is well-positioned to capture a significant share of this market through its specialized platform and local expertise.
Upturn SWOT Analysis
Strengths
- Strong presence in emerging markets
- Unified platform for payments and payouts
- Expertise in local payment methods and regulations
- First-mover advantage in some markets
Weaknesses
- Dependence on emerging markets' stability
- Concentration of revenue in a few key markets
- Limited brand recognition compared to larger competitors
- High valuation relative to earnings
Opportunities
- Expanding into new emerging markets
- Developing new payment and payout solutions
- Acquiring smaller payment processors
- Forming partnerships with global e-commerce platforms
Threats
- Increased competition from established payment processors
- Changes in regulations in emerging markets
- Economic downturns in emerging markets
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- ADYEN NV (ADYEY)
- Worldline SA (WRDLY)
- Nuvei Corporation (NVEI)
Competitive Landscape
DLocal differentiates itself through its focus on emerging markets and its unified platform. However, it faces competition from larger, more established payment processors.
Growth Trajectory and Initiatives
Historical Growth: DLocal has experienced rapid revenue growth in recent years, driven by the increasing adoption of e-commerce and cross-border payments in emerging markets.
Future Projections: Analyst estimates for DLocal's future growth vary, but generally expect continued strong growth in revenue and profitability.
Recent Initiatives: Recent initiatives include expanding into new markets, launching new products and services, and forming strategic partnerships.
Summary
DLocal is a growing payment platform specializing in emerging markets. Its unified platform and local expertise provide a competitive advantage. However, its dependence on emerging markets and high valuation pose risks. The company needs to manage regulatory changes and competition while continuing to expand its market reach.
Peer Comparison
Sources and Disclaimers
Data Sources:
- DLocal Ltd SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is based on available estimates and may not be precise. Financial data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Dlocal Ltd
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2021-06-03 | CEO & Director Mr. Pedro Arnt | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 1095 | Website https://www.dlocal.com |
Full time employees 1095 | Website https://www.dlocal.com | ||
DLocal Limited, together with its subsidiaries, operates a payment processing platform worldwide. The company offers a robust pay-in solution that allows businesses to get paid for their products and services through various payment methods, including international and local cards, online bank transfers, direct debit, cash, and hundreds of alternative payment methods (APMs). It also provides a pay-out solution used by merchants to scale their pay-out operations. In addition, the company offers dLocal for Platforms, an end-to-end payment solution that provides a range of services to help platforms manage global payments. It serves its products to the 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.
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