Dlocal Limited
DLOTechnology · Software - Infrastructure · NASDAQ
$14.73
P/E 21.6×
Is Dlocal Limited (DLO) Undervalued? Valuation & Fair Price
At $14.73, the frameworks are split on Dlocal Limited today — Warren Buffett and Peter Lynch rate it Buy and Benjamin Graham and Phil Town (Rule #1) rate it Avoid. Each model calculates its own fair value and margin of safety; create a free account to see the exact buy price behind every verdict.
Valuo fair-value verdict
Dlocal Limited looks 115% undervalued
DLO trades at $14.73 versus a blended fair value of $31.74 across 4 investor frameworks. That's a 115% margin of safety to our estimate — the exact buy-below price from each framework is below.
The four investor lenses
See how each legend judges DLO
Pick a lens — the fair-value rail and its checklist update. The exact prices unlock with a free account.
Buffett: Wonderful businesses at a fair price — moat, high returns on capital, owner earnings.
Where Buffett marks fair value — the exact price is in the full analysis.
Buffett's checklist
Return on Equity
ROE Consistency
ROE Quality (Low Leverage)
Debt Levels
The full checklist, the exact fair value, and all four lenses side by side
Unlock free →The six questions · DLO
signal free · score locked
- Is it cheap enough?Mixed
A great business at the wrong price is still a bad buy.
Price score — free accountP/E · PEG
- Is this a good business?Strong
Returns on capital, margins, and the cash they throw off.
Quality score — free accountROIC · margins
- Can it survive a bad year?Strong
Debt, liquidity, and balance-sheet resilience.
Safety score — free accountDebt · liquidity
- Are the numbers honest?Strong
Whether reported profit is backed by real cash.
Integrity score — free accountCash-backed profit
- Is it getting better?Strong
Revenue, earnings, and cash-flow trajectory.
Growth score — free accountRevenue · earnings
- Who runs it — and are they buying?Strong
Capital allocation, dilution, and insider conviction.
Stewardship score — free accountDilution · insiders
Strong on Quality, Safety, Integrity, Growth, Stewardship.
Inside · Price
Price is what you pay for the cash a business earns. Roughly under ~15× earnings is cheap; over ~30× the market is already pricing in strong growth, so you need that growth to show up.
The exact number, the reference bands, and each legend's take unlock free.
Insider & congress activity
Are insiders buying DLO?
Over recent SEC Form 4 filings, DLO insiders bought $237K and sold $16.2M of stock across 5 open-market trades. Insiders sell for many reasons, but they buy for one.
| Insider | Action | Shares | Value | Date |
|---|---|---|---|---|
| Kanovich Sebastiandirector | Sell | 72,753 | $1.1M | Aug 5, 2026 |
| Kanovich Sebastiandirector | Sell | 4,700 | $73K | Aug 4, 2026 |
| Kanovich Sebastiandirector | Sell | 25,700 | $398K | Jul 7, 2026 |
| Kanovich Sebastiandirector | Sell | 1,000,000 | $14.6M | Jul 1, 2026 |
| Pruett William Rodneydirector | Buy | 20,000 | $237K | May 29, 2026 |
Source: SEC Form 4 filings. Open-market buys & sells only. Not investment advice.
See the interactive insider chart & every tradeBear · base · bull
Three ways DLO could play out
A fair-value target for each scenario, with the assumptions behind it.
Bear case
Bear case price target — free accountGrowth disappoints and the multiple compresses — the downside if things go wrong.
Base case
Base case price target — free accountThe most likely path given current fundamentals — the scenario to anchor on.
Bull case
Bull case price target — free accountExecution beats expectations and growth holds — the upside if things go right.
Company financials
5-Year Financials
Income statement highlights — annual, USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | $1.1B | $746M | $650M | $419M | $244M |
| Rev. Growth | +46.6% | +14.7% | +55.2% | +71.6% | — |
| Net Income | $197M | $120M | $149M | $109M | $78M |
| Net Margin | 18.0% | 16.1% | 22.9% | 25.9% | 31.9% |
| EPS (Diluted) | $0.67 | $0.39 | $0.51 | $0.37 | $0.26 |
About Dlocal Limited
DLocal Limited, together with its subsidiaries, provides payment processing services worldwide. The company offers a robust pay-in solution to help global merchants expand their online presence and receive payments, including international and local cards, online bank transfers, direct debit, cash, and hundreds of alternative payment methods (APMs). It also provides pay-in solutions for cross-border and local-to-local transactions, as well as pay-out solutions. In addition, the company offers dLocal for Platforms to manage global platform payments. It serves its products to commerce, streaming, ride-hailing, financial services, remittances, advertising, SaaS, travel, e-learning, on-demand delivery, gaming, and crypto industries. The company was founded in 2016 and is headquartered in Montevideo, Uruguay.
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- Today's price vs. four fair-value marks
- Insider & congress activity
- 5-year financials
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Data as of Oct 19, 2026 · price updated Oct 23, 2026. Sourced from SEC filings & Financial Modeling Prep.
Educational Use Only · Not Financial Advice
Analysis, scores, valuations, and buy zones are derived from publicly documented investor frameworks (Buffett, Lynch, Benjamin Graham, Phil Town) for learning purposes only. They are not recommendations from licensed financial advisors. Past performance does not guarantee future results. Prices may be delayed up to 15 minutes. Always conduct your own research before making any investment decisions.