DLO
TechnologyDLocal Limited · Software - Infrastructure · $4B
What is DLocal Limited?
DLocal Limited runs a cross-border payments platform that connects global merchants to consumers across emerging markets. Founded in 2016 and headquartered in Montevideo, Uruguay, the company serves industries from streaming to ride-hailing.
DLocal enables merchants to accept and send payments online across emerging markets in Latin America, Africa, and Asia. Rather than building separate integrations for each country, merchants use a single platform to reach local payment methods. The company earns revenue on each transaction processed through its network.
DLocal was founded in 2016 and is headquartered in Montevideo, Uruguay.
- Cross-border payment processing
- Local payment method acceptance
- Merchant payout and disbursement tools
- Multi-industry commerce integrations
Is DLO a Good Stock to Buy?
UQS Score rates DLO as Very Good overall.
DLocal's Growth pillar stands out as Strong, reflecting the expanding demand for emerging-market payment infrastructure. The Risk pillar is rated Good, suggesting the business carries a manageable risk profile relative to sector peers.
The Moat pillar is rated Neutral, indicating that competitive differentiation is still developing in a crowded payments landscape.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does DLO pay dividends?
Yes — DLocal Limited pays a dividend.
DLocal pays a regular dividend, which is relatively uncommon among high-growth fintech platforms. This signals a degree of financial confidence from management. Investors seeking both growth exposure and income may find this combination worth examining further.
When does DLO report earnings?
DLocal reports earnings on a quarterly cadence, typical for US-listed equities.
The company's Growth pillar is rated Strong, suggesting its revenue trajectory has been above sector peers in recent periods. Quality is rated Good, pointing to a reasonably healthy underlying business without major red flags.
For the most recent quarter's results, visit DLocal's investor relations page directly.
DLO Price History
-73.4% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in DLocal Limited?
Based on DLocal Limited's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does DLocal do?
DLocal operates a payments platform that lets merchants accept and send money online across emerging markets. It serves industries including e-commerce, streaming, ride-hailing, gaming, and financial services through a single integration point.
Does DLO pay dividends?
Yes, DLocal pays a regular dividend. This is notable for a growth-oriented fintech company and may appeal to investors who want emerging-market exposure alongside some income.
When does DLO report earnings?
DLocal reports on a quarterly cadence, as is standard for US-listed companies. For exact dates, check DLocal's investor relations page, as our data source does not cover upcoming earnings dates.
Is DLO a good stock to buy?
UQS Score rates DLO as Very Good, with a Strong Growth pillar and Good Risk rating. Whether it fits your portfolio depends on your goals. The complete analysis is available to Pro members on UQS Score.
Is DLO overvalued?
DLocal's Valuation pillar is rated Attractive, suggesting the market price may offer reasonable value relative to the company's fundamentals. View the full valuation breakdown by signing up for a Pro account.
What is DLO's market cap bracket?
DLocal is classified as a mid-cap stock, placing it between smaller emerging-market fintech peers and the large global payment processors.
Who founded DLocal?
DLocal was founded in 2016. Founding details are widely available through public sources and the company's own investor relations materials.
Is DLO a long-term quality indicator?
DLocal's Very Good UQS Score, anchored by Strong Growth and Good Risk ratings, suggests it has characteristics associated with durable businesses. Long-term quality depends on whether its Moat develops further in a competitive payments market.
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Pro Analysis
DLO — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 74.8 | 72.4 | 53.0 | 89.2 | 75.6 | 95.0 | -0.1 |
| May 21, 2026 | 74.9 | 72.2 | 53.0 | 89.2 | 75.5 | 96.1 | -0.3 |
| May 16, 2026 | 75.2 | 71.6 | 53.0 | 89.2 | 76.6 | 98.4 | +0.3 |
| May 13, 2026 | 74.9 | 71.6 | 53.0 | 90.0 | 76.6 | 94.9 | +0.6 |
| May 11, 2026 | 74.3 | 71.6 | 53.0 | 90.0 | 76.6 | 91.3 | -0.8 |
| May 10, 2026 | 75.1 | 77.2 | 53.0 | 90.0 | 76.6 | 86.9 | +1.1 |
| May 7, 2026 | 74.0 | 71.4 | 53.0 | 90.0 | 76.6 | 89.2 | -0.1 |
| May 3, 2026 | 74.1 | 71.6 | 53.0 | 90.0 | 76.6 | 89.6 | +0.1 |
| May 1, 2026 | 74.0 | 71.6 | 53.0 | 90.0 | 76.6 | 89.3 | 0.0 |
| Apr 26, 2026 | 74.0 | 71.6 | 53.0 | 90.0 | 76.6 | 89.0 | 0.0 |
DLO — Pillar Breakdown
Quality
— 72.4/100 (25%)DLocal Limited shows solid profitability with healthy returns on capital and reasonable margins.
How effectively capital is deployed to generate returns.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Asset productivity — how much gross profit each dollar of assets generates.
Free cash flow relative to market value.
Growth
— 89.2/100 (20%)DLocal Limited is growing rapidly with strong revenue and earnings expansion.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 75.6/100 (15%)DLocal Limited carries minimal financial risk with conservative leverage and strong solvency.
Debt levels relative to earnings capacity.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 94.9/100 (15%)DLocal Limited appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 53/100 (25%)DLocal Limited possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for DLO.
Score Composition
Financial Data
More Stock Analysis
How is the DLO UQS Score Calculated?
The UQS (Unified Quality Score) for DLocal Limited is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses DLocal Limited's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether DLocal Limited is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.