Global stock

NASDAQUSD

DLocal Limited

DLO

AI analysis and articles are in Czech.

§ Financial healthLong-term stability

68/ 100

Overall score·DLO

Current price

14.44USD

26/10/2026

P/E, P/B

Valuation

Neutral

Rates whether the stock is cheap or expensive relative to its history and sector. A score above 60 suggests the stock trades below its estimated intrinsic value.

Tracks:P/E · P/B · FCF yield · sector

Forward P/E 13,3 a P/S 3,3 působí ve vztahu k růstu příznivě, zatímco P/B 8,1 je vysoké a současné P/E 22,4 není výrazně nízké. Nejsilnějšími stránkami jsou růst tržeb a ziskovost; stabilitu snižuje vysoký vykázaný poměr dluhu k vlastnímu kapitálu a expozice vůči rozvíjejícím se trhům.

§ Outlook vs S&P 500Next 12 months

Probably yes

Estimated chance of beating the index: about 69%

8 of 8 inputs

NoProbably notSameProbably yesYes

A model estimate from current values. The result may change with new data; it is not a price target or an investment recommendation.

§ Metrics summary

A quick look at DLocal Limited (DLO) combining financial health, the short-term signal, valuation, DCF, management quality and operating metrics. It is analytical context, not a recommendation to buy or sell.

68/100

The overall score is based mainly on long-term fundamentals, complemented by the current signal and the available qualitative rating of the company.

65/100

Slightly positive signal based on current news, price action and the economy.

52/100

A lower score means the stock is expensive relative to the company's earnings and assets.

49% below fair value

An estimate of what the stock should be worth based on the company's future cash.

+56%

How fast the company's revenue grows year on year.

78/100

How much the company earns from each unit of revenue and from invested capital.

54/100

Debt level, share-price volatility and how resilient the company is in bad times.

72/100

AI estimate of management quality, execution and capital allocation.

70/100

AI estimate of the company's durable competitive advantage.

§ Context and events

Management

Pedro Arnt je CEO a člen představenstva; spoluzakladatel Sergio Enrique Fogel Kaplan působí jako strategický poradce. CFO Guillermo Lopez Perez a COO Carlos J. Menendez vedou finanční a provozní agendu. Strategie společnosti stojí na rozšiřování platební infrastruktury v rozvíjejících se zemích a na obsluze mezinárodních obchodníků.

Articles about DLocal Limited, in Czech (0)

No articles yet. New analyses are published daily.

§ Upcoming results

12 November 2026

in 16 days

Earnings

Earnings = quarterly financial results (revenue and profit). Companies publish them every three months and the share price often reacts strongly.

§ Frequently asked questions

What is DLocal Limited (DLO)?

DLocal Limited (DLO) is a global stock traded on NASDAQ. Sector: Financial services. We track it daily — scoring news sentiment, the short-term outlook and long-term stability on a 0–100 scale.

What is the DLocal Limited price today?

As of 26 October 2026, DLocal Limited trades at about 14.44 USD per unit. We update the price daily from public market data. Intraday moves can differ significantly — always check the final price with your broker.

How to buy DLocal Limited?

Through regulated online brokers such as Degiro, XTB, Trading 212 or Interactive Brokers. Shares trade in USD or EUR — most brokers convert your currency automatically. FinSignal does not operate any of these platforms and charges no commission — the overview is only a signpost.

Does DLocal Limited pay a dividend?

DLocal Limited either pays no dividend at the moment or we have no reliable data on it. Many growth companies prefer reinvesting profit to paying dividends — check the current policy in the company's investor relations materials.

Is DLocal Limited a good investment in 2026?

Our AI signal currently rates DLocal Limited as slightly positive (score 65/100). Financial health comes out at 68/100, so beyond short-term news it is worth watching the valuation, growth, profitability and stability of the company. The DCF model currently puts the price about 49 % below its model fair value. FinSignal is not an investment adviser licensed under Czech Act No. 256/2004 Coll. — signals are analytical input, not a recommendation to buy or sell. You make every decision at your own risk.

§ More global stocks

Microsoft Corporation

§ How to buy DLocal Limited

You can buy shares through regulated online brokers available in the EU. They differ mainly in fees, app quality and which markets they cover.

Degiro
Dutch broker with low fees for passive investors. No account fee, trading in EUR and USD.
XTB
Polish broker with zero commission on stocks and ETFs up to EUR 100,000 a month. Own xStation platform.
Trading 212
Zero-commission broker with fractional shares from EUR 1 and automated investing (Pies). Suits beginners and regular investing.
Interactive Brokers
US broker for advanced investors. The widest choice of markets, low costs at larger volumes, a professional platform with a steeper learning curve.

FinSignal operates none of these platforms. We charge no commission on purchases.

Important: Signals are an analytical tool, not investment advice within the meaning of Czech Act No. 256/2004 Coll. Past performance does not guarantee future results. You make all decisions at your own risk.

§ Current signalShort-term mood

/ 100

● Slightly positive

News summary

Older news

Signal 21/10, 10:01

DLocal rozšířil remitence přes mobilní peněženky; zpráva odhaduje akcie jako podhodnocené o 37 %. Dopad by podpořilo další využívání této služby.

Rostoucí cena za 7 i 30 dní, RSI 58 a rostoucí trend podporují krátkodobý výhled. Momentum je však jen mírné a vysoká volatilita zvyšuje nejistotu.

Risks: Pohled by oslabil obrat cenového trendu nebo pokud by se rozšíření mobilních remitencí nepromítlo do dalšího růstu podnikání.

More about the signal

Rostoucí cena za 7 i 30 dní, RSI 58 a rostoucí trend podporují krátkodobý výhled. Momentum je však jen mírné a vysoká volatilita zvyšuje nejistotu.

Risks: Pohled by oslabil obrat cenového trendu nebo pokud by se rozšíření mobilních remitencí nepromítlo do dalšího růstu podnikání.

Signal history· 2

05/1016:0173 · Strongly positive
DLocal čelí pozitivní korelaci cenového pohybu a technických signálů v kontextu širšího makrodirigovaného trhu, s potenciálním růstem vzhledem ke stabilnímu momentum a mírně pozitivnímu krátkodobému výhledu.
29/0911:3136 · Slightly negative
DLocal má za poslední dny tlak kvůli obavám ze zpomalení růstu a regulačních nákladů; makro prostředí je v ČR/globálním trhu nejisté, cena během týdne tlaková a technika naznačuje mírný pokles.

The full 90-day signal history is part of Premium.

Ask the AI

§ Model fair value (DCF)

Undervalued49% below fair value

28.13

range 22.8 – 35.4

Current price

14.44 USD

26 Oct 26

PriceFair value range (DCF)UndervaluedOvervalued

What the calculation is based on

Model

28.13 USD

range 22.8 USD – 35.4 USD

: 14.0%
: 10.0%
: 1.28 USD

Růst FCF 14 % p.a. zohledňuje vysoký růst tržeb a EPS, ale je konzervativnější než jejich aktuální tempo a počítá s postupným zpomalením. Diskontní sazba 10 % reflektuje růstový profil a rizika fintech společnosti; terminální růst 2,5 % odpovídá dlouhodobému růstu ekonomiky.

DCF terms explained+

DCF (discounted cash flow) estimates how much cash the company will generate in the future and converts it into today's value per share.

Free cash flow (FCF) is the money left after running the business and investing. “12 m” means the last 12 months.

The discount rate expresses risk: the riskier the company, the higher the rate and the lower the fair value.

Fair value is a model estimate — not the market price and not an investment recommendation.

With Premium you can adjust growth, the discount rate and free cash flow, and the fair value recalculates live.

Adjust assumptions14 days free →

A model estimate, not an investment recommendation. Past performance does not guarantee future results.

§ Valuation check

Is the price reasonable?

Six quick tests: price against fair value, the last year, similar companies and analyst estimates. They are calculated from the numbers, not from AI estimates. This is not a recommendation.

Data 17 of 18

Valuation score

3/ 6

5/6 tests available

1. Below DCF fair value

48.7% below the DCF midpoint.

2. Well below DCF value

Discount = below the range or at least 15% below the midpoint.

3. Price vs. the last year

72% above the 1-year low (11.01 USD to 15.78 USD), based on stored daily prices.

4. P/E vs. similar companies

P/E 22.4 vs. median 16.5 (65 companies).

5. P/E relative to growth

PEG or a reliable growth input is not available.

6. Analyst price target

30.2% vs. the current price, 10 analysts.

Price vs DCF

Current price

14.44 USD

Low 22.79 USDHigh 35.41 USD

Current priceDCF midpoint: 28.13 USD

Price vs analyst target

Current price

14.44 USD

Low 15.00 USDHigh 21.00 USD

Current priceAverage: 18.80 USD

DCF gap

below range

48.7% below the DCF midpoint (28.13 USD).

Analyst target

+30.2%

Average target 18.80 USD vs. price 14.44 USD.

Analyst consensus

Target range

15.00 USD - 21.00 USD

Coverage

10 analysts

Analyst consensus

1.5 / 5

Changes 180 d

+1 / -0

EPS next year

34.2%

Revenue next year

30.2%

Valuation multiples

22.4

13.3

8.1

3.3

15.0

52-week range72% above the low

11.01 USD15.78 USD

29.0%

56.0%

15.0%

41.3%

Price vs 50D-1.2%

Price vs 200D6.5%

Metrics explained+

Price and fair value

DCF range: A model estimate of fair value from future free cash flow. A price above the range means the market pays a premium over the model; a price below it may signal a more conservative market valuation or an overly optimistic model.
Analyst target: The average and range of the analyst price targets we track. It is the market consensus, not a FinSignal recommendation, and it can lag fast price moves.
52-week range: Shows where the current price sits between the low and high of the last year. A value near the high often signals strong momentum, but on its own says nothing about whether the stock is expensive.
Price vs 50D / 200D: Compares the price with its short- and long-term moving averages. A positive value means the price is above the trend; a negative one below it.

Multiples

P/E: Price relative to current earnings. A lower P/E can mean cheaper, but it can also point to a weak outlook or risk.
Forward P/E: Price relative to next year's expected earnings. For growing companies it is often more useful than the historical P/E because it reflects estimates of future earnings.
P/B: Price relative to the book value of equity. It makes more sense for banks, insurers and capital-intensive companies than for software or brands.
P/S: Price relative to revenue. It helps with companies that have low or negative earnings; a high P/S means the market expects strong growth or future margins.
EV/EBITDA: The value of the whole company, including debt, relative to operating profit before depreciation. Useful for comparing companies with different leverage.
PEG: P/E adjusted for earnings growth. A value around 1 may suggest the valuation matches growth, but the metric is sensitive to estimates.

Growth and quality

EPS growth: Year-on-year change in earnings per share. Strong growth supports a higher valuation, but for cyclical companies it can be temporary.
Revenue growth: The growth rate of sales. It helps tell whether profits grow on real demand or mainly on cost savings.
Net margin: How much of each unit of revenue is left as net profit. A higher margin often points to stronger pricing power or more efficient operations.
ROE: Return on equity. A high ROE can signal a quality business, but check that it is not artificially boosted by heavy debt.

Most data available. Missing values mean the market data source did not provide them for this ticker. The data is indicative and may be delayed. Price as of 26/10/2026.

Management and competitive advantage

Both are estimated by the AI from the company profile, news and results. They do not count towards the 6-pillar financial health score. The AI comments are in Czech.

strong

Zkušený tým a dosavadní růst společnosti podporují hodnocení, avšak dostupné informace o správě a alokaci kapitálu jsou omezené.

strong

Znalost lokálních platebních metod a integrace s obchodníky vytvářejí určitou konkurenční výhodu, její trvanlivost však omezují větší finanční a technologičtí konkurenti.

Information

Type: Global stock
Symbol: DLO
Exchange: NASDAQ
Currency: USD
Sector: Financial services
: 22.4x
: 4.5B USD
: 12.5 %
: 0.84

§ Risk profile

DLocal působí v zemích s vyšší měnovou a politickou volatilitou, což může ovlivnit převod tržeb do dolarů i provoz plateb. Českému investorovi navíc vzniká měnové riziko USD/CZK.

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