DLocal Ltd is focused on making the complex simple, redefining the online payment experience in emerging markets. Through its technology platform, One dLocal, the company enables global enterprise merchants to get paid (pay-in) and to make payments (pay-out) online in a safe and efficient manner. The company earns revenue from fees charged to merchants in connection with payment processing services for cross-border and local payment transactions. The company's geographical segments include Latin America and Non-Latin America with a majority of its revenue being generated from Brazil in Latin America region.

Financial Strength

9/10

Name	Current	Vs Industry
Cash-To-Debt	176.11
Equity-to-Asset	0.41
Debt-to-Equity	0.01
Debt-to-EBITDA	0.02
Interest Coverage	12.66
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	4.07	Distress Grey Safe
Beneish M-Score	-2.73	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	82
	3-Year EBITDA Growth Rate	78.5
	3-Year EPS without NRI Growth Rate	47.1
	3-Year FCF Growth Rate	46.5
	3-Year Book Growth Rate	117.1
	Future 3-5Y EPS without NRI Growth Rate	26.3
	Future 3-5Y Total Revenue Growth Rate	35.9

Momentum Rank

2/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	68.44
	9-Day RSI	51.77
	14-Day RSI	38.95
	6-1 Month Momentum %	-47.55
	12-1 Month Momentum %	-22.58

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.61
	Quick Ratio	1.61
	Cash Ratio	1.01
	Days Sales Outstanding	165.09
	Days Payable	490.67

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	0.5
	Shareholder Yield %	2.93

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	39.86
	Operating Margin %	23.49
	Net Margin %	18.81
	FCF Margin %	32.79
	ROE %	30.47
	ROA %	12.8
	ROIC %	163.58
	ROC (Joel Greenblatt) %	886.95
	ROCE %	40.4
	Years of Profitability over Past 10-Year	5

GF Value Rank

2/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	18.41
	Forward PE Ratio	16.81
	PE Ratio without NRI	32.14
	PS Ratio	3.52
	PB Ratio	4.91
	Price-to-Tangible-Book	5.63
	Price-to-Free-Cash-Flow	10.77
	Price-to-Operating-Cash-Flow	9.89
	EV-to-EBIT	9.43
	EV-to-Forward-EBIT	9.02
	EV-to-EBITDA	8.76
	EV-to-Forward-EBITDA	8.24
	EV-to-Revenue	2.39
	EV-to-Forward-Revenue	1.99
	EV-to-FCF	7.28
	Price-to-Graham-Number	2.83
	Price-to-Net-Current-Asset-Value	5.74
	Earnings Yield (Greenblatt) %	10.6
	FCF Yield %	9.77

GF Value: $34.53

DLO

Warning Signs

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