Value
8.4/10data confidence 100%| Component | Sub-score |
|---|---|
| P/E | 7.0 |
| P/S | 8.4 |
| EV/EBITDA | 5.0 |
| Fwd P/E | 9.2 |
| PEG | 10.0 |
| Analyst target | 9.0 |
- ▸Forward P/E: 10.7x
- ▸PEG: 0.15
- ▸Attractively valued
DLO · Why this verdict
Why DLocal (DLO) is rated HOLD
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictHOLD
Overall score7.0/10
ConfidenceMEDIUM
MacroRISK_OFF
Per-dimension breakdown
Quality
7.3/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 10.0 |
| ROA | 6.2 |
| Gross margin | 3.2 |
| Op margin | 6.3 |
| Net margin | 7.9 |
| Current ratio | 5.0 |
| FCF quality | 10.0 |
| Moat | 8.2 |
| Piotroski F | 8.9 |
- ▸Excellent ROE: 35%
- ▸Strong margins: 16%
- ▸Excellent cash conversion: 206% FCF/NI
- ▸Wide economic moat
Growth
10.0/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 10.0 |
| EPS growth | 10.0 |
- ▸Strong growth: 55% YoY
Momentum
4.3/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 4.5 |
| MACD | 6.9 |
| OBV | 1.0 |
| MA position | 5.2 |
| Volume | 3.8 |
- ▸Volume distribution (falling OBV)
- ▸Below 200-MA but MA still rising (+0.8%/30d) — pullback in uptrend, not confirmed weakness
Sentiment
7.2/10data confidence 100%| Component | Sub-score |
|---|---|
| Analyst rating | 7.0 |
| Price target | 9.4 |
| erm sentiment | 5.0 |
- ▸Light analyst coverage (10.0) — signal dampened
- ▸Analyst upside: 47%
Insider
5.5/10data confidence 50%| Component | Sub-score |
|---|---|
| materiality | 5.5 |
| holder change | 5.6 |
- ▸Insider buying (low materiality) — $237,000 (0.007% of mkt cap)
Peer rank
5.9/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 6.5 |
| quality rank | 7.7 |
| growth rank | 9.3 |
- ▸Superior ROE vs peers
- ▸Industry growth leader
Technical
4.6/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 4.3 |
| support resistance | 3.7 |
| 52w position | 4.3 |
| gap | 6.0 |
Risk (lower is worse)
5.5/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 4.6 |
| days to cover | 5.9 |
| volatility | 1.9 |
| put call | 10.0 |
| implied vol | 2.0 |
| max pain risk | 3.0 |
| beta | 7.2 |
| debt equity | 9.2 |
- ▸High IV: 68%
- ▸Above max pain $6
Catalyst
7.2/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 10.0 |
| earnings timing | 5.0 |
| surprise avg | 10.0 |
| dividend safety | 6.0 |
- ▸Strong earnings: 3B/0M
- ▸Dividend: 164.0%
How the verdict was assembled
Engine trigger
Maintain position. Not compelling to add more.
Engine technical detail
verdict_path:
L4:PATH_F_HOLDPassed (7)
- ASYMMETRY:2.5>=1.5
- INSIDER:OK
- 8K:CLEAN
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:63d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (1)
- MOMENTUM:4.3<4.5
Warning (0)
none
Reward-to-Risk
2.51
Upside
+28.1%
Downside
11.2%
Sizing output
AVOID
SetupRECOVERY — Death cross but MACD improving, RSI 51
EdgeNO_EDGE — No clear edge identified
SuitabilityAGGRESSIVE — MCap $3.5B<$5B
Investment implication
None of the engine's positive-conviction paths (C-quality, D-momentum) triggered — the F-path HOLD reflects balanced signals. Strongest-cleared gate: ASYMMETRY:2.5>=1.5. Top dim: Growth at 10.0; weakest: Momentum at 4.3. No conviction either direction.
The strongest dimensions are Growth at 10.0, Value at 8.4, and Quality at 7.3; the weakest are Momentum at 4.3, Technical at 4.6, and Risk (lower is worse) at 5.5. The V9 engine flagged 1 failed gate, producing an asymmetric reward-to-risk of 2.51 and an engine sizing output of AVOID.