DLocal Limited (DLO)

In this video, I will cover DLocal's (DLO 2.05%) recent earnings report and explain why I remain extremely bullish. Watch the short video to learn more, consider subscribing, and click the special offer link below.

DLocal Limited NASDAQ: DLO had spent much of the past year flying under the radar. Despite strong fundamentals, the payments technology company traded with little fanfare, hovering near flat year-to-date before its latest earnings.

Press Releases dLocal and Tiendamia partner to drive cross-border eCommerce growth in Latin America The partnership expands local payments across five key Latin American markets, enabling businesses to efficiently collect and pay out while delivering shoppers faster, more convenient, and inclusive payment experiences. 2 min. read August 19, 2025 Montevideo, Uruguay, August 19, 2025 - dLocal (NASDAQ: DLO), the leading cross-border payment platform connecting global merchants to emerging markets, has partnered with Tiendamia, a trusted cross-border marketplace platform bringing together global product catalogs and international shipping. This collaboration brings faster, more accessible checkout with local payment methods and transparent pricing for Latin American customers and sellers. Cross-border eCommerce is picking up fast in Latin America as more consumers look to purchase products from international sellers. But turning that demand into completed transactions isn't always simple. Local payment preferences, limited access to credit cards, and a fragmented infrastructure make it harder for shoppers to pay and for businesses to convert and settle transactions across markets. dLocal enables Tiendamia to operate efficiently across multiple Latin American markets without the need to establish local entities in each country. Through a single integration, Tiendamia can accept cross-border payments and offer a wide range of local payment methods-from cards and cash-based options across Ecuador, Costa Rica, Peru, and Argentina, where it also supports eWallets-while enabling fully domestic transactions in Uruguay. On the payout side, Tiendamia can pay local providers in Ecuador, Costa Rica, Peru, and Uruguay. All of this is managed efficiently with FX conversion, compliance, and back-end operations across these markets. Looking ahead, dLocal is expanding alternative payment methods in the region, enabling Tiendamia to offer more local payment options while simplifying regional operations and expansion. "As a cross-border platform, we operate at the intersection of international demand and local infrastructure," said Rafael Blanco, Revenue Director at Tiendamia. "Our ecosystem depends on reliable payments-not just from customers, but also to sellers and logistics partners across many countries. With dLocal, we're able to handle both sides, using local acquiring and real-time rails to move faster, improve success rates, and give everyone a better experience." "Tiendamia's model is all about connecting global supply with local expectations. That means offering payment methods that feel native to Latin American customers, and making sure payouts work smoothly behind the scenes," said Andrea Walj, Head of Account Management (Americas) at dLocal. "We're proud to support that vision by simplifying local operations, allowing Tiendamia to focus on what truly matters: delivering a consistent experience across borders." About dLocal dLocal powers local payments in emerging markets, connecting global enterprise merchants with billions of emerging market consumers across APAC, the Middle East, Latin America, and Africa. Through the "One dLocal" concept (one direct API, one platform, and one contract), global companies can accept payments, send payouts, and settle funds globally without the need to manage multiple local entities and integrations. For more information, visit https://www.dlocal.com About Tiendamia Tiendamia is the preeminent cross-border Marketplace platform in Latin America, with a presence in over 5 countries and headquartered in Miami, US. It seamlessly integrates the product catalogs of major US retailers and sellers around the world into a single online platform. With a focus on accessibility, transparency, and customer convenience, Tiendamia continues to make international products more reachable for millions in the Latin American region. For more information, visit: https://www.tiendamia.comAttachmentsOriginal documentPermalinkDisclaimer dLocal Ltd. published this content on August 19, 2025, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on August 19, 2025 at 12:07 UTC.

Shares in Uruguayan payments firm Dlocal recorded their sharpest intraday gain in four years on Thursday, after the company reported better-than-expected quarterly results and lifted its full-year outlook. The stock jumped as much as 34.6% to trade at $15.

Live Updates Live Coverage Has Ended Wall Street Q&A 6:10 pm Here’s our analysis of the Q&A session with Wall Street analysts. We’ll provide a summary of Wall Street questions and management’s answers. Q&A — what Wall Street asked, and how management answered 1) Why the guidance raise—and is ~50% payment-volume growth sustainable? Question: What surprised you versus the start of the year, and how broad is the strength? Answer: Strength is broad-based—Brazil and Mexico recovered, Africa/Asia were strong (Egypt is the exception), and growth is not a single-merchant story; it’s largely the top 20 merchants expanding with dLocal into more countries and more local payment methods. They also see more global merchants moving along the “localization S-curve” (shifting from international acquiring to fully local payment setups). Why it matters: Supports the view that growth is coming from many levers (more countries, more methods, more categories), not just one hot client or region. 2) Take rate (revenue or gross profit per dollar of volume): up this quarter—what’s the trend from here? Question: You saw a small improvement—how should we think about the path going forward? Answer: Long-term, gently down. Merchants keep negotiating prices lower; dLocal pushes its own processor costs lower. Mix can offset this: more “pay-ins,” more frontier markets, and value-added services (like buy-now-pay-later and SmartPix) help. For Q3, they assume a slight decrease vs. Q2. Why it matters: Keeps expectations realistic: you shouldn’t model steady take-rate increases, but product mix can cushion the decline. 3) Argentina effects—do narrower FX (foreign-exchange) spreads hurt you? Question: You cited spread compression—how big a drag is it? Answer: Largely offsets. Narrower spreads reduce fees but also reduce costs; net impact is contained. Why it matters: Argentina is volatile; investors want to know if earnings are overly sensitive to currency mechanics. 4) Brazil—was Q2 helped by one-offs, and does that reverse? Question: You mentioned recovering one-off processing costs—does that create a tough comparison? Answer: Partly a reversal of last quarter’s costs, but not big enough to create a major headwind. Brazil also benefited from more installment payments and is expected to hold momentum into Q3 based on what they see so far. Why it matters: Eases fears that Brazil’s rebound was just accounting noise. 5) Egypt and retry costs in Chile/Colombia—are these contained? Question: How should we think about the durability of these headwinds? Answer: Egypt weakness reflects one large merchant and the devaluation. Chile/Colombia had retry costs that hit this quarter; excluding those, “other LatAm” grew 9%. Why it matters: Suggests issues are idiosyncratic, not structural. 6) Stablecoins—threat to your business or opportunity? Question: Many worry stablecoins bypass local processors. Answer: Management sees a clear opportunity. dLocal is well placed as an on-/off-ramp between local currencies and stablecoins, and that is where much of the margin sits (FX and local liquidity). They already settle in stablecoins for faster cross-border flows and have teams focused on this. Why it matters: Reframes a perceived risk into a revenue stream aligned with dLocal’s strengths. 7) New product interest—what are merchants actually asking for? Question: Which launches have the most demand? Answer: Credit at checkout without merchants taking balance-sheet risk (via buy-now-pay-later partners, revenue-share model); SmartPix to make Pix behave like a saved card; stablecoin services; and, by merchant request, select in-store (POS) solutions through partners. Why it matters: These raise attachment per merchant and help support take rates. 8) Tariffs and trade policy—where could it bite? Question: You flagged tariffs as a risk—how would they hit the model? Answer: Main risk is to cross-border volumes (for example, Mexico’s higher “de minimis” threshold for e-commerce imports). They’ve seen no impact yet; it’s a watch item if tariff “tit-for-tat” escalates or if new digital taxes appear. Why it matters: Cross-border commerce is a large category for dLocal; demand shocks would flow through volumes first. 9) Operating expenses—have you “turned the corner” on costs? Question: Costs looked well-controlled this quarter—what about the second half? Answer: Expect OpEx to rise in 2H: more hiring in product/tech/operations, expansion into new markets and products, and some third-party spend. Even so, the company continues to show operating leverage (profit growing faster than costs). Why it matters: Keeps margin expectations prudent while acknowledging continued efficiency. 10) Concentration—are results driven by just a few merchants? Question: How broad is the merchant contribution? Answer: Growth is not a “single whale”; it’s mainly the top 20. The top 10 are adding new countries and also giving dLocal a bigger share where they were already present. Why it matters: Lower reliance on any single customer path-de-risks the story. Conference Call Has Concluded 6:02 pm Dlocal’s conference call has concluded. Shares are currently up about 20% after hours. We’ll post our notes from the call shortly. Conference Call starts in 10 Minutes 4:50 pm Dlocal’s conference call starts in 10 minutes. If you leave this blog open we’ll listen in and post the most important notes. That update will appear automatically once the call has ended. Dlocal Shares Now up 16% 4:29 pm Dlocal ran up 6.6% during the trading day and now shares are up another 16% after-hours. Investors are clearly very happy with 1.) the company’s revenue figures from last quarter and 2.) the comapny raising guidance for 2025. More Detailed Summary 4:18 pm DLO | dLocal Q2’25 Earnings Highlights: Adj. EPS: $0.14 []; [DOWN] -7% YoY Revenue: $256.5M []; [UP] +50% YoY Adj. Gross Margin: 39% []; [DOWN] -200 bps YoY Net Income: $42.8M []; [DOWN] -7% YoY Free Cash Flow: $48.4M; [UP] +156% YoY Outlook: TPV: 40%-50% YoY Revenue: 30%-40% YoY Gross profit: 27.5%-37.5% YoY Adjusted EBITDA: 40%-50% YoY Upward adjustment on our full-year 2025 guidance for TPV, Revenue, Gross Profit and Adjusted EBITDA. While we remain optimistic, we encourage careful consideration of the outlined risks including macroeconomic factors and potential currency devaluations. Other Key Q2 Metrics: Adj. Operating Income: $55.8M (Est. $X.XB) []; [UP] +85% YoY Effective Tax Rate: 16% (vs. 10% YoY) Cash and Cash Equivalents: $476.9M; [DOWN] -7% YoY CEO Commentary: Pedro Arnt: “We are pleased to report another quarter of solid growth and disciplined execution, with significant acceleration across our key financial metrics. These results are a testament to our high-growth, expanding margin, and healthy free cash flow business model, and they demonstrate the substantial value we provide to our merchants.” The Numbers... 4:08 pm Revenue: $256.5 million (expectations were $229.66 million) EPS (Normalized): $0.14 (expectations were $.13) Earnings Are Out 4:07 pm Massive beat, shares are surging 14%. It's Almost Time 3:46 pm We’re fast approaching the closing bell, and DLocal will report shortly after. Here are a few notes: You don’t need to refresh this live blog to receive updates. They should post automatically. We expect DLocal to report shortly after the bell, with earnings hitting at about 4:05 p.m. ET. We will post 5 to 10 updates with share price reaction, highlights from earnings, and more. Once again, you can receive these updates in one central place simply by leaving this live blog open. Wall Street Analyst Targets 3:05 pm Consensus Rating: 9 analysts total 6 Hold | 2 Buy | 1 Strong Buy Net rating: Hold Price Targets: Average Price Target: $12.79 High: $18.00 | Low: $10.00 Current Price: $11.12 Implied upside: +15.0% How DLO Performed After Recent Earnings 3:00 pm Quarter EPS Surprise 1-Day Move 7-Day Move 14-Day Move Q1 FY2025 +41.67% –1.41% –4.73% –1.26% Q4 FY2024 0.00% +0.82% +2.72% +3.63% Q3 FY2024 +50.00% +6.97% +10.09% +13.12% Q2 FY2024 +66.67% +7.65% +8.26% +5.58% DLocal has delivered four consecutive EPS beats, but price reactions have turned more muted since Q1 as investors focus on margin pressure and geographic mix. DLocal (Nasdaq: DLO) reports Q2 FY2025 earnings after the close today. The fintech processor is coming off a strong Q1 print and has now posted four straight EPS beats, supported by continued TPV growth and improved geographic diversification. We’ll be updating this live blog with news and analysis right after DLocal’s earnings hit the newswires. To receive updates, all you have to do is leave this page open, and updates will post automatically. Estimates Snapshot Q2 FY2025 Consensus Estimates: Revenue: $229.66 million EPS (Normalized): $0.14 Full-Year FY2025 Estimates: Revenue: $958.22 million EPS: $0.60 DLocal reported $171.28M in revenue and $0.15 in EPS for Q2 FY2024, so current estimates imply +34% revenue growth and a modest EPS decline YoY. Key Areas to Watch Brazil Revenue Recovery and Margin Path Management cited a 20% YoY revenue drop and 27% gross profit decline in Brazil last quarter, driven by mix shifts and $2.5M in one-time costs. Investors will watch for stabilization as comps ease into Q3 and cost headwinds normalize. TPV Strength and Take Rate Sustainability Q1 TPV hit $8.1B (+53% YoY), with net revenue growing faster than volume. Key to margins will be whether FX-driven high take rates in Argentina and cross-border mix hold up in Q2. Expansion in Frontier Markets Emerging markets outside Brazil and Mexico — notably Chile, Pakistan, Turkey, and Nigeria — are now central to volume growth and carry higher average take rates. Continued merchant expansion in these areas is a key structural tailwind. Automation and Cost Efficiencies dLocal is rolling out machine-learning models for authorization optimization, faster integration via AI agents, and streamlined merchant settlements. Management views this as a multi-year driver of cost efficiency and margin scalability. Dividend Policy and Capital Allocation After initiating a 30% FCF payout policy and declaring a $0.525/share special dividend in Q1, investors will be watching for any updates on M&A or cash redeployment plans, especially amid recent fintech deal activity.The post Live: Why DLocal (DLO) Just Soared 20% After Earnings appeared first on 24/7 Wall St..

DLocal combines rapid 50% revenue growth with strong cash flow and attractive margins, beating Q2 estimates and raising guidance. The company's business model enables global merchants to process local payments efficiently, fueling impressive TPV and free cash flow expansion. Risks include LatAm economic volatility, regulatory challenges, and potential disruption from new payment technologies or customer verticalization.

Shares of the payments platform will ‘continue to re-rate higher,' a Susquehanna analyst says.

U.S. stock futures were swinging on Thursday after Wednesday's rally. Futures of major benchmark indices were mixed.

DLocal Limited (NASDAQ:DLO ) Q2 2025 Earnings Conference Call August 13, 2025 5:00 PM ET Company Participants Jeffrey K. Brown - Interim Chief Financial Officer Mirele de Aragao - Head of Investor Relations Pedro Arnt - CEO & Director Conference Call Participants Daer Labarta - Goldman Sachs Group, Inc., Research Division Guilherme F.

DLocal (DLO) came out with quarterly earnings of $0.14 per share, beating the Zacks Consensus Estimate of $0.13 per share. This compares to earnings of $0.15 per share a year ago.

dLocal Ltd. DLO released its second-quarter results after Wednesday's closing bell.

Uruguayan fintech dLocal on Wednesday raised its forecasts for 2025, predicting higher ranges for its revenue and profit growth, after earnings surged ahead of analyst forecasts helped by solid results in Brazil and Mexico.

MONTEVIDEO, Uruguay, Aug. 13, 2025 (GLOBE NEWSWIRE) -- DLocal Limited (“dLocal”, “we”, “us”, and “our”) (NASDAQ:DLO), a technology - first payments platform, today announced the appointment of Guillermo López Pérez as Chief Financial Officer, who will join us in the next few months. Guillermo will report to dLocal's CEO, Pedro Arnt. This appointment further strengthens dLocal's outstanding leadership team.

TPV at record high of US$9.2 billion, growing more than 50% YoY for the third consecutive quarter. Brazil and Mexico posted solid results, while growth remains fastest in the rest of our geographies, leading to increased diversification. Consistent operational leverage with Adjusted EBITDA over Gross Profit increasing for the fifth straight quarter (71% for the second quarter of 2025). Continued strong cash flow generation with US$48 million of FCF (free cash flow). Upward adjustment on our full-year 2025 guidance for TPV, Revenue, Gross Profit and Adjusted EBITDA.

DLocal (DLO) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

DLocal offers unique exposure to emerging market digital payments, with vast TAM and a strong moat against both local and global competitors. The company's profitability flywheel, geographic expansion, and full-stack fintech ambitions provide substantial long-term growth opportunities. Risks include high merchant concentration, currency volatility, and potential take rate compression from global fintech entrants.