Is Dlocal Limited (DLO) Undervalued? Valuation & Fair Price
At $14.30, 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.
Dlocal Limited
DLOTechnology · Software - Infrastructure · NASDAQ
$14.30
P/E 21.6×
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.
Investor scorecard
How the four investors rate Dlocal Limited
A split decision across the frameworks
Investor model analysis
Details lockedAt $14.30, 2 of 4 frameworks say Buy
Intrinsic Value (DCF)
Warren Buffett's valuation model · select an investor above to switch
Intrinsic Value
Locked — upgrade to viewBuy Below
Locked — upgrade to viewStrong Buy
Locked — upgrade to viewMargin of Safety
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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 tradeScenario analysis
Bear, base & bull
Three growth assumptions, three fair values — and where today's price lands
What's working
Key strengths
Identified by Buffett framework analysis
Return on Equity
ROE Consistency
ROE Quality (Low Leverage)
Risk factors & concerns — free account
UnlockCompany 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 |
| Free Cash Flow | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view |
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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.