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Dlocal Ltd (DLO)



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Upturn Advisory Summary
08/28/2025: DLO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $14.12
1 Year Target Price $14.12
2 | Strong Buy |
1 | Buy |
7 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -45.3% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.25B USD | Price to earnings Ratio 30.33 | 1Y Target Price 14.12 |
Price to earnings Ratio 30.33 | 1Y Target Price 14.12 | ||
Volume (30-day avg) 10 | Beta 1.07 | 52 Weeks Range 7.25 - 16.44 | Updated Date 08/29/2025 |
52 Weeks Range 7.25 - 16.44 | Updated Date 08/29/2025 | ||
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 2025-08-13 | When - | Estimate 0.13 | Actual 0.14 |
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 30.33 | Forward PE 24.69 | Enterprise Value 3677756192 | Price to Sales(TTM) 4.93 |
Enterprise Value 3677756192 | Price to Sales(TTM) 4.93 | ||
Enterprise Value to Revenue 4.26 | Enterprise Value to EBITDA 18.89 | Shares Outstanding 164648992 | Shares Floating 75478867 |
Shares Outstanding 164648992 | Shares Floating 75478867 | ||
Percent Insiders 16.68 | Percent Institutions 68.67 |
Upturn AI SWOT
Dlocal Ltd

Company Overview
History and Background
dLocal was founded in 2016 with the goal of connecting global merchants with emerging markets. It rapidly expanded across Latin America, Africa, and Asia, streamlining cross-border payments for international companies.
Core Business Areas
- Payment Processing: Provides payment processing solutions, allowing global merchants to accept local payment methods in emerging markets. This includes credit cards, debit cards, bank transfers, and mobile wallets.
- Payout Solutions: Enables global merchants to make payouts to individuals and businesses in emerging markets, supporting use cases like affiliate marketing, e-commerce refunds, and contractor payments.
- Fraud Prevention: Offers fraud prevention tools to help merchants mitigate risks associated with cross-border payments. This includes transaction monitoring, risk scoring, and chargeback management.
- FX Management: Provides FX management solutions to help merchants manage currency exchange rates and reduce FX risk.
Leadership and Structure
dLocal's leadership team consists of seasoned executives with experience in payments, technology, and finance. The organizational structure is designed to support its global operations and customer base.
Top Products and Market Share
Key Offerings
- dLocal One: dLocal One is a unified platform for cross-border payments, connecting global merchants with local payment methods in emerging markets. Market share data is not publicly available. Competitors include Adyen, Checkout.com, and PayU.
- dLocal Payouts: dLocal Payouts enables businesses to send mass payouts to individuals and businesses in emerging markets. Market share data is not publicly available. Competitors include Hyperwallet and Payoneer.
Market Dynamics
Industry Overview
The cross-border payments industry is experiencing significant growth, driven by increasing e-commerce and globalization. Emerging markets are key growth drivers.
Positioning
dLocal positions itself as a leading provider of cross-border payment solutions specifically focused on emerging markets, offering localized payment methods and expertise. Its competitive advantage lies in its deep understanding of these markets and its extensive network of local payment partners.
Total Addressable Market (TAM)
The TAM for cross-border payments in emerging markets is estimated to be in the trillions of dollars. dLocal is well positioned to capture a significant share of this market.
Upturn SWOT Analysis
Strengths
- Strong focus on emerging markets
- Extensive network of local payment partners
- Unified platform for cross-border payments
- Expertise in local regulations and compliance
- Focus on high growth regions.
Weaknesses
- Dependence on emerging markets (economic and political risk)
- Smaller scale compared to global giants like Adyen or PayPal
- Regulatory complexity in emerging markets
- High valuation relative to earnings
- Exposure to FX fluctuations.
Opportunities
- Expansion into new emerging markets
- Increasing e-commerce in emerging markets
- Growth in digital payments adoption
- Partnerships with global merchants
- Further penetration of existing markets.
Threats
- Increased competition from global payment providers
- Changes in regulations in emerging markets
- Economic instability in emerging markets
- Cybersecurity risks
- FX volatility.
Competitors and Market Share
Key Competitors
- ADYEY (ADYEN.AS)
- FI (FIS)
- PYPL (PYPL)
Competitive Landscape
dLocal's advantage is its specific focus on emerging markets. Its disadvantages include smaller scale and potentially higher risk associated with operating in those markets compared to larger more diverse competitors.
Growth Trajectory and Initiatives
Historical Growth: dLocal has experienced rapid growth in recent years, driven by increasing e-commerce and digital payments in emerging markets.
Future Projections: Analysts project continued growth for dLocal, driven by its expansion into new markets and its strong position in the cross-border payments industry.
Recent Initiatives: dLocal has recently focused on expanding its product offerings and strengthening its partnerships with global merchants.
Summary
Dlocal is a leading facilitator of cross-border payments focused on emerging markets. Its specialization gives it a competitive edge in these areas due to localized expertise, but also exposes it to risks associated with economic and political instability in those areas. While experiencing high historical growth, competition is increasing. Dlocal should focus on maintaining its market lead by expanding its product offerings and building stronger strategic partnerships.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Financial News Websites
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data are estimates and may vary. Financial data are not real-time and must be verified independently.
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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