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Upturn AI SWOT - About
DLO 
Dlocal Ltd (DLO)
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Upturn Advisory Summary
10/15/2025: 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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $15.94
1 Year Target Price $15.94
| 2 | Strong Buy |
| 1 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -41.01% | Avg. Invested days 30 | 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 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.52B USD | Price to earnings Ratio 32.08 | 1Y Target Price 15.94 |
Price to earnings Ratio 32.08 | 1Y Target Price 15.94 | ||
Volume (30-day avg) 10 | Beta 1.1 | 52 Weeks Range 7.25 - 16.78 | Updated Date 10/17/2025 |
52 Weeks Range 7.25 - 16.78 | Updated Date 10/17/2025 | ||
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 16.9% | Operating Margin (TTM) 21.74% |
Management Effectiveness
Return on Assets (TTM) 9.57% | Return on Equity (TTM) 32.78% |
Valuation
Trailing PE 32.08 | Forward PE 19.61 | Enterprise Value 3522093328 | Price to Sales(TTM) 5.24 |
Enterprise Value 3522093328 | Price to Sales(TTM) 5.24 | ||
Enterprise Value to Revenue 4.08 | Enterprise Value to EBITDA 18.09 | Shares Outstanding 164649324 | Shares Floating 92986533 |
Shares Outstanding 164649324 | Shares Floating 92986533 | ||
Percent Insiders 15.34 | Percent Institutions 52.84 |
Upturn AI SWOT
Dlocal Ltd
Company Overview
History and Background
Dlocal Ltd, founded in 2016, is a payments platform that connects global merchants with emerging markets. Initially focused on Latin America, it has expanded to Africa, Asia, and the Middle East, enabling seamless cross-border payments. Dlocal went public on the NASDAQ in 2021.
Core Business Areas
- Payment Processing: Enables merchants to accept local payment methods in emerging markets, including credit cards, debit cards, bank transfers, and alternative payment methods.
- Payout Solutions: Allows merchants to disburse payments to local recipients in emerging markets, such as freelancers, affiliates, and suppliers.
- Fraud Prevention: Offers fraud detection and prevention tools to protect merchants from fraudulent transactions.
Leadership and Structure
The CEO of Dlocal is Pedro Arnt. The company has a board of directors and operates with a functional organizational structure, focusing on technology, sales, and operations.
Top Products and Market Share
Key Offerings
- One dLocal Platform: This unified platform enables merchants to accept payments, make payouts, and manage fraud across multiple emerging markets. Market share data is difficult to ascertain precisely, but dLocal is a leading player in its regions. Competitors include Adyen, Worldpay, and Checkout.com.
- dLocal for Platforms: Tailored solutions for platforms and marketplaces needing to facilitate payments for a large number of sellers or service providers. Market share data is limited. Competitors include Payoneer, and Hyperwallet (a PayPal service).
Market Dynamics
Industry Overview
The global payments industry is experiencing rapid growth, driven by the rise of e-commerce and the increasing adoption of digital payment methods, particularly in emerging markets. Cross-border payments are becoming increasingly important.
Positioning
Dlocal positions itself as the leading payments platform specializing in emerging markets, offering localized expertise and access to a wide range of local payment methods. Its competitive advantage lies in its deep understanding of these markets and its ability to navigate complex regulatory environments.
Total Addressable Market (TAM)
The TAM 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 due to its specialization and localized solutions.
Upturn SWOT Analysis
Strengths
- Strong presence in emerging markets
- Comprehensive payment platform
- Localized expertise
- Established relationships with local payment providers
- High growth rate
Weaknesses
- Concentration of revenue in specific regions
- Exposure to currency fluctuations
- Dependence on regulatory compliance
- Relatively small size compared to global giants.
- Litigation Risk
Opportunities
- Expansion into new emerging markets
- Development of new payment solutions
- Strategic partnerships with global merchants
- Increased adoption of digital payments in emerging markets
- Acquisition targets
Threats
- Increased competition from global payment processors
- Changes in regulatory landscape
- Economic instability in emerging markets
- Currency devaluation
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- ADYEN.AS
- FIS
- GPN
Competitive Landscape
Dlocal's advantages include its specialization in emerging markets and its comprehensive payment platform. Its disadvantages include its relatively small size compared to global giants and exposure to currency fluctuations.
Major Acquisitions
URU
- Year: 2021
- Acquisition Price (USD millions): 24
- Strategic Rationale: Expand capabilities in fraud prevention, data privacy and security
Growth Trajectory and Initiatives
Historical Growth: Dlocal has experienced rapid revenue growth in recent years, driven by the increasing adoption of its platform in emerging markets.
Future Projections: Analyst estimates project continued revenue growth for Dlocal, driven by expansion into new markets and increasing adoption of digital payments. Specific estimates vary among analysts.
Recent Initiatives: Recent initiatives include expanding its payment network in new emerging markets, launching new payment solutions, and strengthening its partnerships with global merchants.
Summary
DLocal is a promising fintech company focused on emerging markets, demonstrating strong growth by bridging the gap in payment solutions. Its focused strategy and localized expertise create advantages; however, its size, currency exposure, and regulatory complexities present risks. Expansion into new regions is key to maintaining momentum, although global competitors pose a notable challenge. Recent acquisitions and partnerships show a strategy for further growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Data is based on publicly available information and may be subject to change. Market share data are estimates.
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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