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DLO

💻 Technology

DLocal Limited

Conservative #158Aggressive #354Moderate RiskHigh 100
$12.58+1.45%
Day High$12.84
Day Low$12.36
Volume0.7M
Mkt Cap$3.6B
52W Low $852W High $17
Market Cap
$3.9B
P/E Ratio
23.9
Sector avg: 87.8
Rev Growth
14.7%
Sector avg: 14.8%
Earnings Growth
-19.2%
Profit Margin
17.8%
Sector avg: -110.0%
Debt/Equity
0.01

Why This Score

DLO scores 66.5 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • Strong profitability: ROE of 34.4% exceeds the 15% quality threshold.
  • Minimal leverage (D/E 0.01) provides financial flexibility and downside protection.
  • Positive but moderate momentum (31%) — steady appreciation without overheating.
  • High conviction (100/100) — fundamental and ML signals agree on this stock.
Risk Factors
  • Above-average volatility (15.0%) may not suit conservative risk tolerance.

Minor adjustments (0.0 points) applied. DLO's rank of #158 primarily reflects its factor profile relative to the conservative weight vector.

Score Breakdown

Overall Score66.5
Fundamental Score61.4
ML Score67.0

Score by Horizon

3 Month
63.3
6 Month
70.7
Primary
1 Year
74.4

Quality Assessment

B
Earnings Grade
Solid fundamentals with minor quality concerns
Quality Flags
Low FCF/NI ratio (0.12) with 17.8% net margin — reported earnings may not be cash-backed

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
0
Declining
Sentiment (2.5%)
56
Neutral
Analyst (6.4%)
64
Favorable
Tradability (post-hoc)
87
Grade A
Base
62.5
SHAP
+1.1
Factors
+0.6
Conviction
+2.3
Final
66.5
Positive adjustment
Negative adjustment
Base blend
Final score

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)67.0
Technical (Momentum, Weinstein, Volatility)54.0
External (Sentiment, Analyst, Macro)67.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
-5.2% to +1.2%
Medium-term
-7.8% to +1.8%
Long-term
-10.4% to +2.4%

ML Model Core Features100 trained inputs → ML Score: 67

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score63.5/100
Target Upside+0.0%
Coverage13 analysts
Market Sentiment
Sentiment Score55.9/100
News Volume0 articles
Technical Stage
Weinstein Stage4 — Declining
12M Momentum+0.3%
6M Momentum-0.2%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration+48.6%
Momentum ConsistencyDivergent (-0.55)
Relative Strength vs Sector+27.8%
Trend Strength (ADX Proxy)Moderate (2.1)
Momentum Quality+0.257
Momentum BreadthNarrow
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
9%
Low risk
Sector RevGr Rank
P61
Revenue growth vs Technology peers
Sector PE Rank
P49
Valuation vs Technology peers
Sector FCF Rank
P48
Free cash flow vs Technology peers
Growth Deviation
+0.1σ
Z-score vs sector median
Stagnation Flag
NO
Not flagged

Analysis Signals

Scoring Factors
Fundamental score of 79 relative to sector peers79/100
Machine learning model ranks this stock at the 74th percentileP74
ML model weight reduced to 9% due to macro conditions: market in extended rally phase; yield curve inverted (recession indicator); late-cycle economic indicators detected9% ML weight
SHAP feature alignment: +1.8pt (features align with model priorities)
Blend: 91% fund (78.6) + 9% ML (73.7) + SHAP(+1.8) = 80.0
Factor quality: +0.9pt (multi-factor composite)
Risk assessment: moderate. Annualized volatility 15.0%. Max drawdown 18% (-4.1 pts)Moderate
Market cap adjustment: +0.5 points ($3.9B market cap)+0.5 pts
Conviction bonus: +3.6pt (conviction=100)
Risk Factors
Earnings quality grade B: adequate earnings quality with minor concerns. Score adjusted by -7 pointsGrade B
Quality concern: Low FCF/NI ratio (0.12) with 17.8% net margin — reported earnings may not be cash-backed; R&D-adjusted ROIC: 25.5% (original: 32.5%). Software - Infrastructure has ~22% R&D intensity. Capitalizing R&D over 5 years increases invested capital by ~55%.Flag

Sector Peer Comparison(Technology — Rank #40 of 289 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
DLO66.523.914.7%17.8%$3.9B
MPWR84.891.721.2%81.0%$57.1B
ZM84.218.03.1%21.7%$27.7B
NVDA80.645.2114.2%55.8%$4.5T
CRUS79.719.16.0%17.5%$7.4B
ASML77.848.115.6%29.4%$546.0B
IDCC77.431.8-4.0%48.8%$9.7B
CSCO77.127.65.3%18.0%$303.6B
RMBS75.548.320.7%32.3%$11.0B
DBX75.313.91.9%17.7%$6.4B
FSLR75.017.326.7%30.7%$24.2B
SIMO74.79.210.2%13.8%$4.5B
ADI74.374.116.9%20.6%$165.1B
AAPL72.533.16.4%27.0%$3.9T
OLED72.527.012.4%34.3%$5.9B
AMAT72.336.44.4%24.7%$281.7B
Sector Average47.487.814.8%-110.0%

Market Sentimentvia FMP

Analyst Consensus
Buy13 analysts
Buy: 8Hold: 4Sell: 1
Price Target
$17consensus
Low $15Median $17High $19
+35.1% to consensus target

Company Overviewvia FMP

DLocal Limited operates a payments platform in the United States, Europe, China, and internationally. Its payments platform enables merchants to get paid and to make payments online. The company serves commerce, streaming, ride-hailing, financial services, advertising, software as a service, travel, e-learning, on-demand delivery, gaming, and crypto industries. DLocal Limited was founded in 2016 and is headquartered in Montevideo, Uruguay.

CEO
Pedro Arnt
Employees
1,095
Beta
1.10
Industry
Software - Infrastructure
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
46.1
Neutral
Trend
Bearish
10-day vs 50-day MA
From 52W High
-25%
High: $16.78
From 52W Low
+65.3%
Low: $7.61
Moving Averages
10-Day
$12.50
Above
20-Day
$13.00
Below
50-Day
$13.70
Below
200-Day
$13.00
Below
60-Day Support
$11.68
60-Day Resistance
$15.55
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 4 — DecliningScore: 33/100

Stock is in a downtrend below the 200-day moving average. Price is below both the 50-day and 200-day SMAs, indicating sustained selling pressure.

Unfavorable technical position; wait for Stage 1 basing
Transition signal: 3→4
Price vs 200 SMA
-3.2%
200 SMA Slope (60d)
+10.25%
Rising
Volume Ratio
0.96x
10d avg vs 50d avg
Days in Stage
3
Confidence: 50%

Financial Statementslast 4 quarters via FMP

MetricQ3 2025Q2 2025Q1 2025Q4 2024
Revenue$282M$256M$217M$204M
Gross Profit$103M$99M$85M$84M
Operating Income$56M$56M$46M$42M
Net Income$52M$43M$47M$30M
EPS (Diluted)$0.17$0.14$0.15$0.10
Gross Margin36.5%38.6%39.2%40.9%
Operating Margin19.7%21.7%21.2%20.7%
Net Margin18.3%16.7%21.5%14.5%

Why This Stock

TechnologyP/E ratio of 23.9Revenue growth 14.7%Profit margin 17.8%

Tradability FilterGrade A — 87/100Score impact: +7.5pt

Volume
100
1.2M avg/day
Dollar Vol
70
$15M/day
Float
100
112M shares
Mkt Cap
64
$3.9B
Range
100
120% spread
Composite Liquidity Score87/100
FDCBA

Multi-Year Range Analysis

Sideways: 0/100
YearLowHighRangeStatus
2021$29.57$73.4385.2%Wide
2022$9.03$36.88121.3%Wide
2023$9.04$24.2291.3%Wide
2024$6.57$18.7696.2%Wide
2025$7.61$16.7875.2%Wide
3-Year Range
114.6%
Narrow Years
0 / 5
Sideways Penalty
None

Growth Projection Adjustment

0.15x dampening
weinstein declining

Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.

Free Float
38.8%
Outstanding Shares
289M
Bid-Ask Spread
120.0%
Institutional Tradable
Yes

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.