TickerTalks
Browse all tickers →
TickerTalks›$DLO
DLDLO

Dlocal Limited

Strong FundamentalsStrong FundamentalsRevenue growing 55% YoY at strong marginsStreet coverage with positive forward estimatesQuiet on X (52 mentions/wk)
$DLO·$4.0B·Software - Infrastructure·Technology
$14.90+0.9%YTD+3.5%1Y+4.4%
Price updated 15m ago·X counts updated 4d ago
DLDLO
$DLODlocal Limited
$14.91+0.91%52 posts1×
AI analysisFundamentalsVoices on X
Loading…

On X

The complete picture of $DLO on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

52X posts · last 7 days
Sep 21Oct 4
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $DLO's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 80% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data5 posts analyzed · as of 2026-09-15

dLocal deepens its Africa footprint with a Ghana Enhanced Payment Service Provider license, and posts flag +92% Q2 volume ($17.7B) with 29% gross-profit growth. dCoder AI-writes ~60% of code autonomously — an author teases a 90% upside article.

Read what X is saying about $DLO

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
Free, forever. No credit card.

AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $DLO — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersAcceleratingAI verdict · as of 2026-10-03

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

dLocal is accelerating at 55% YoY on cross-border EM payments — General Atlantic 13D plus Ghana license expansion both work.

dLocal is a public pure-play cross-border payments processor for emerging markets — merchants in Latin America, Africa, and Asia Pacific receive pay-ins and send payouts via local methods. The stock is near flat YTD but accelerating hard.

  • Growth is accelerating: Q1 2026 revenue of $336M at +55% YoY after +65%, +52%, and +50% in prior quarters — the EM-payments cross-border story is landing, with 18% operating margins intact and 2026 consensus EPS of $0.73.
  • EPS beats are compounding: last four prints at -2.2%, +0.3%, +22%, +2.8% — the Q1 2026 beat (+22%) was the standout, with operating leverage improving as volume ramps.
  • General Atlantic's updated 13D (Amendment 3, Aug 17) is the credible institutional anchor — plus the Ghana Enhanced Payment Service Provider license expands the Africa footprint, and the "Why Lower Take Rates Do Not Break The Thesis" framing captures the valuation setup.

Nov 11 Q3 earnings with revenue growth above 50% plus the Africa footprint commentary firming extends the move; a take-rate pullback or an EM FX shock and the stock stays rangebound in the mid-teens.

Agrees with X sentimentX correctly flags the Ghana Enhanced Payment Service Provider license, +92% Q2 volume ($17.7B) with 29% gross-profit growth, and the dCoder AI-writes-~60%-code autonomously framing. The crowd is directionally bullish and the mechanics (55% YoY revenue growth, 18% op margin) back it.

What to watch: Nov 11 Q3 earnings — revenue growth above 50%, TPV above $20B, take-rate stability, operating-margin trend above 18%, and Africa footprint commentary. A take-rate pullback or an EM FX shock is the hard downside; a clean beat extends the move.

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

Read the AI verdict on $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)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
Free, forever. No credit card.

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

No material change from last week — AI infrastructure capex bifurcates the cohort — GPU-cloud providers and AI-native security platforms absorbing enterprise spend, while legacy SaaS faces multiple compression. GPU-cloud platforms and AI-native security tools absorb enterprise spend while legacy SaaS faces multiple compression.

What this means for $DLO

Partial — Payments platform connecting global merchants to consumers in 40+ emerging markets, processing local payment methods across LatAm, Africa, and Asia.; AI-generated telemetry volumes are expanding monitoring spend, but competitive consolidation into platform deals compresses standalone tool pricing.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
+4.4%YTD
-3.9%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$1.6B$1.6B – $1.6B$0.83$0.80 – $0.866
FY27$2.1B$2.0B – $2.1B$1.09$1.03 – $1.157
FY28$2.5B$2.4B – $2.8B$1.33$1.26 – $1.406
FY29$2.9B$2.9B – $3.1B$0.00$0.00 – $0.004
FY30$3.4B$3.3B – $3.6B$0.00$0.00 – $0.003

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.1.0×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.67%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.+1.1%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.+9.2%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 today1.5% 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.β0.845-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
+ 5 other (4 conversions · 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
Free, forever. No credit card.

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.

+ 4 other (3 6-Ks · 1 13G) in window

Recent news

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

DLocal: Margin Compression Is A Feature Of Scale, Not A Defectseekingalpha.com·1d agoContrasting Triller Group (NASDAQ:ILLR) and DLocal (NASDAQ:DLO)defenseworld.net·2d agoBuy 19 September LoPrice/HiYield Dividend Dogs Out Of 38seekingalpha.com·8d agodLocal: Why Lower Take Rates Do Not Break The Thesisseekingalpha.com·16d agoIs DLocal Limited (DLO) Stock Outpacing Its Business Services Peers This Year?zacks.com·22d ago

In themes

Explore the broader themes this ticker is being talked about under.

Trending on X

More in Software - Infrastructure

Peers in the same group — one click to compare setups, fundamentals, and chatter.

$MSFT$NET$PLTR$ORCL$CRWV$CRWD$MDB$PANW
Voices on X · last 7 days

No standout posts about $DLO on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

PrivacyTermsSupport