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DLDLO

Dlocal Limited

Strong FundamentalsStrong FundamentalsRevenue growing 55% YoY at strong marginsStreet coverage with positive forward estimatesConsistent chatter on X (107/wk), no spike
$DLO·$4.2B·Software - Infrastructure·Technology
$14.89-0.9%YTD+7.2%1Y+3.2%
Mentions · last 7 days
2026-08-21: 13 posts2026-08-22: 9 posts2026-08-23: 10 posts107-6%
Price updated 6m ago·X counts updated 8d ago
DLDLO
$DLODlocal Limited
$14.89-0.93%107 posts-6%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $DLO, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-08-30

The move is getting stronger, with heavier trading behind it.

dLocal +7% YTD on quiet consolidation into a merchant-of-record product launch and a $76M quarterly buyback.

dLocal is the cross-border payments platform for global merchants entering Latin American, African and Asian emerging markets — the merchant-of-record layer that handles local-payment-method acceptance plus FX plus regulatory compliance.

How the setup reads:

  • Growth is strong: Q1 revenue grew 55% year-on-year to $336M, Q4 +65% — best-in-class EM payments growth backed by real merchant onboarding.
  • Valuation is fair: 18x earnings, 9.5x EV/EBITDA, 2.7x sales with 34% ROIC and 37% ROE — multiple has room if op margin holds and growth stays at the recent pace.
  • Merchant-of-record launch is a real product upgrade: MoR simplifies compliance for merchants entering new markets, strengthening dLocal's competitive moat.
  • Capital return matters: $76M quarterly buyback against ~$4B cap is ~7.5% annualized — meaningful, supports trailing 12% FCF yield.
  • Position confirms trend: 71st percentile 52w, 4.5% above the 50-day, 12% above the 200-day on 80% baseline volume — clean accumulation.
  • Insider signal worth flagging: director Kanovich sold $1.2M+, General Atlantic trimmed 21% at $13.60 — real distribution, though buyback largely offsets.

The November 11 print is what extends the run — 45%+ revenue growth with continued gross-margin discipline plus a specific merchant-of-record customer count update keeps the multiple expanding; a specific FX-margin squeeze or a EM-crisis quarter triggers a pullback back to the 200-day near $13.

Agrees with X sentimentAgree — the bull anchors (merchant-of-record launch, $76M quarterly buyback, ~$400M adjusted EBITDA run-rate vs ~$4B cap, clean weekly technical setup) map to real signals; the honest add is General Atlantic's 21% trim at $13.60 plus Kanovich's $1.2M distribution are worth flagging alongside the buyback.

What to watch: November 11 earnings — 45%+ revenue growth with continued gross-margin discipline plus a specific merchant-of-record customer count update keeps the multiple expanding; an FX-margin squeeze or EM-crisis quarter triggers a pullback back to the 200-day near $13.

On the calendar: 2026-11-11 — Q3 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment21 posts analyzed · as of 2026-08-30

dLocal is a value-and-growth thread, with posters flagging TPV up 92% YoY to $17.7B in Q2, a $76M quarterly buyback out of a $4B market cap, Trust Securities lifting its target to $18 and a fresh Merchant-of-Record product for emerging-market SaaS. Chart posters see one of 'the cleanest weekly setups' with $23-26 next after a channel retest. The only bear note is General Atlantic reducing 10M shares at ~$13.60 as they exit their post-IPO position.

Read the AI verdict + X sentiment for $DLO

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Payments platform connecting global merchants to consumers in 40+ emerging markets, processing local payment methods across LatAm, Africa, and Asia.

Industry overviewAI analysisGenerated by AI from underlying data

Where Software - Infrastructure sits in its cycle right now — and what that implies for $DLO.

Software - Infrastructure · Technology

SaaS multiples remain compressed as rate-sensitive valuations weigh on pure-play software; customers are lengthening deal cycles outside of AI-native workloads. AI co-pilot upsell is the only clear near-term catalyst — companies without it are treading water.

What this means for $DLO

Partial — cloud infrastructure exposure benefits indirectly from hyperscaler capex; core business is DLocal Limited, together with its subsidiaries, provides payment processing serv.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-4.2%YTD
+0.4%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
17.5How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
33.7%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
18.9%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
12.1%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.7Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
37.0%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
36.0%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 13, 2026$0.18$0.18-2.2%
Q1 2026May 14, 2026$0.17$0.17+0.3%
Q4 2025Mar 18, 2026$0.22$0.18+22.2%
Q3 2025Nov 12, 2025$0.17$0.17+2.8%
Next earningsWed, Nov 11·consensus EPS $0.22

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$335.9M+54.9%35.3%15.9%$0.14$83.0M
Q4 FY25$337.9M+65.2%34.3%18.7%$0.19$105.5M
Q3 FY25$282.5M+52.1%36.5%19.7%$0.18$95.0M
Q2 FY25$256.5M+49.7%38.6%22.3%$0.15$116.0M

Forward consensus

5-year forecast · up to 7 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$1.5B$1.5B – $1.5B$0.82$0.78 – $0.847
FY27$2.0B$1.9B – $2.0B$1.08$1.04 – $1.167
FY28$2.4B$2.1B – $2.5B$1.33$1.23 – $1.475
FY29$2.9B$2.8B – $3.0B$0.00$0.00 – $0.002
FY30$3.4B$3.2B – $3.5B$0.00$0.00 – $0.002

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.8×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.71%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+4.5%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+12.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 113.9M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.6% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.875-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellAug 5Sebastian KanovichDirector72.8K sh$1.1MSellAug 4Sebastian KanovichDirector4.7K sh$73KSellJul 7Sebastian KanovichDirector25.7K sh$398KSellJul 1Sebastian KanovichDirector1.0M sh$14.6MBuyMay 29Pruett William RodneyDirector20.0K sh$237K
+ 7 other (4 conversions · 2 awards · 1 gift) in window

See when $DLO insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

SC 13D/AActivist amendmentAug 19SC 13D/A
AI summary

General Atlantic Service Company LP filed Schedule 13D/A (Amendment No. 3) for dLocal Ltd (DLO) on August 17, 2026, disclosing updated beneficial ownership of dLocal Class A common shares. General Atlantic is one of dLocal most significant shareholders and a founding growth equity investor in this emerging-markets payment processing company serving Latin America, Africa, and Asia. The amendment reflects a change in share count or stated intent since the prior amendment. General Atlantic position in dLocal is watched as a signal of institutional conviction in the fintech recovery from a prior governance controversy and as a gauge of confidence in the company accelerating growth in its payment volumes across developing markets. Investors should review the updated ownership percentage and any revised item disclosures regarding plans or proposals.

3/ANew insider — initial holdingsAug 103/A
AI summary

Andres Bzurovski, a Director of dLocal Limited (DLO), filed an amended Form 3/A correcting his initial beneficial ownership statement originally filed March 18, 2026. The amendment clarifies that 1,381,121 Class A shares held indirectly through Emerald Bay 24 LLC were incorrectly reported as non-derivative securities in Table I; they are actually shares underlying Class B shares convertible 1-for-1 into Class A at any time. Direct holdings include 1,088,363 Class A shares plus 47,337,462 Class A equivalents underlying Class B shares. The combined economic and voting interest disclosed is substantial and represents a significant insider position in dLocal, the emerging-market payments fintech.

3/ANew insider — initial holdingsMar 203/A
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3/A (amended) for DLO on 2026-03-20, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

3New insider — initial holdingsMar 193
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for DLO on 2026-03-19, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

3New insider — initial holdingsMar 183
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for DLO on 2026-03-18, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

3New insider — initial holdingsMar 183
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for DLO on 2026-03-18, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

3New insider — initial holdingsMar 183
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for DLO on 2026-03-18, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

3New insider — initial holdingsMar 183
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for DLO on 2026-03-18, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

+ 15 other (9 3s · 4 6-Ks · 1 13G · 1 20-F) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Dave vs. dLocal: Which Fintech Stock Looks Better for Investors Now?zacks.com·7d agoTop Mobile Payments Stocks to Buy as Digital Transactions Surgezacks.com·7d agoWall Street Analysts See a 28.53% Upside in DLocal (DLO): Can the Stock Really Move This High?zacks.com·11d agoUATP Names dLocal as Newest Payment Processing Partner for UATP Oneprnewswire.com·13d agoDLocal Limited (DLO) Q2 2026 Earnings Call Transcriptseekingalpha.com·18d ago

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