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.

Sergio Fogel

Sebastian Kanovich

DLocal Limited

Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. It facilitates the processing of payment transactions, including authorization, clearing, and settlement, as well as delivers other payment-related products and services. The company offers integrated products and value-added services for account holders, merchants, financial institutions, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; prepaid programs and management services; commercial credit and debit payment products and solutions; and payment products and solutions that allow its customers to access funds in deposit and other accounts. It also provides value-added products and services comprising cyber and intelligence solutions for parties to transact, as well as proprietary insights, drawing on principled use of consumer, and merchant data services. In addition, the company offers analytics, test and learn, consulting, managed services, loyalty, processing, and payment gateway solutions for e-commerce merchants. Further, it provides open banking and digital identity platforms services. The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.

Wells Fargo

Mastercard Incorporated

Tiba provides a digital platform that facilitates the process of installment payments using Pix. It acts as a banking correspondent, enabling businesses to offer financing options.

Tiba

dLocal started with one goal – to close the payments innovation gap between global enterprise companies, and customers in emerging economies. We have over 900 payment methods, in more than 40 countries.

With the ability to accept local payment methods and facilitate cross-border fund settlement worldwide, our merchants reach billions of underserved consumers in the high-growth markets of Africa, Asia, and Latin America. dLocal offers the ideal payment solutions for global commerce:

Payins: Accept local payment methods 
Payouts: Compliantly send funds cross-border
Defense Suite: Manage fraud effectively
dLocal for Platforms: Unify your platform’s payment solution
Local Issuing: Localize payments for your gig-economy workers, suppliers, and partners

Addition

Bossanova Investimentos

General Atlantic

Endeavor Catalyst

Oren Zeev

Expand Venture

Alkeon Capital

Bond

Tiger Global Management

D1 Capital Partners

dLocal

Monthly subscription-based gaming models have made gaming more accessible and affordable, allowing gamers to access hundreds of games at a reasonable price.

But customers in emerging markets are often unable to engage with these services due to a lack of diverse payment options.

Explore how offering a wide range of alternative payment methods, like #PIX and #UPI can help you break into these challenging and dynamic markets and ensure uninterrupted subscriptions.

https://hubs.ly/Q02jkH-C0

With 87.7 million online shoppers, it’s no surprise how eCommerce in Brazil is worth 41 billion. But how exactly do people pay in Brazil? 🇧🇷

While credit cards account for 49% of online purchases, 29% are paid through Brazil’s instant local payment system Pix.

Find out more about how you can accept payments in #Pix through dLocal.

https://hubs.ly/Q02lBZwr0

Paying for domestic and international travel in emerging markets can be challenging, with only 20% of people having access to an international credit card. By not offering a range of local payment options, you are missing out on a huge potential customer base.

Provide a wide range of local payment options like #PIX and #UPI with dLocal and expand your reach in these rapidly growing markets 🌏

https://hubs.ly/Q02lsFxc0

Without the option of international payments, breaking into emerging markets is a struggle. For instance, did you know that only 3% of the Nigerian population owns a credit card, but they have over 60 million mobile money users?

Expand your reach in emerging markets like Nigeria by offering a wide variety of alternative payment methods - overcoming the international payment restrictions that stand in the way of your success.

Discover more how dLocal can help you make cross-border payments possible >

https://hubs.ly/Q02jkBtP0

The use of eWallets in Asia is growing rapidly, with projections showing a 311% growth between 2020 and 2025.

Fragmented payment landscapes make cross-border payments difficult and rendering traveling in these regions very complex. 

Successfully break into these booming emerging markets by offering straightforward eWallet payments with dLocal 🌏

#APM #digitalwallets #paymentsolutions #wininemergingmarkets #APAC #ewallets
https://hubs.ly/Q02kSSLv0

Wishing our Chinese team, customers, and partners abundant success and growth. 2024 welcomes the Year of the Wood Dragon. Let's continue to build innovative financial solutions for emerging markets.🌏✨
#ChineseNewYear #YearOfTheDragon #wininemergingmarkets

Without offering local payment methods, one-time in-game purchases in #emergingmarkets are virtually impossible. 

Ensure a smoother user experience and achieve emerging market success by facilitating quick and easy one-time payments with a wide range of localized payment methods like #PIX and #UPI

Find out more about facilitating easy one-time payments with dLocal >
https://hubs.ly/Q02jkGf00

With 179 million mobile gamers in India alone, you really cannot afford to be missing out on such a vast market. But with a lack of diverse payment options like #UPI, players find it difficult to make purchases.

Localized payment methods allow players to easily make purchases in their own currency, ensuring a seamless user experience and helping you to break into these dynamic emerging markets.

Unlock the benefits of localized payments with dLocal.

https://hubs.ly/Q02jjJ9c0

#localpayments #alternativepayments #wininemergingmarkets #india #paymentsolution #paymentgateway

EMEA countries recorded $79 billion in remittances, APAC countries reached $130 billion in FY22.
Strategic collaborations between financial powerhouses like ACE Money Transfer and dLocal are set to unlock tremendous growth in remittance inflows to these regions. 🤝 🌐

With streamlined, secure, fast, and convenient processes, we're paving the way for a seamless financial future!

Dive into the details in our joint PR:

#remittances #moneytransfer #emergingmarkets #payouts 

https://lnkd.in/dawTVkZc

🇪🇬 Exploring business in Egypt? Navigate the complexities of this emerging market with dLocal's Payout solution! With high mobile penetration and a young, unbanked population, Egypt demands local payment solutions. 

dLocal's Payouts ensures effortless disbursement in Egyptian pounds (EGP) for partners, freelancers, and suppliers. 

🌍🔗  https://lnkd.in/d5resyEU

#dLocal #wininemergingmarkets #dlocalpayouts #paymentsolutions

Metric
Company Name	DLocal Limited	Mastercard Incorporated	Tiba
Symbol	DLO	MA
MSH ID	COM:DLOCAL	COM:MASTERCARD	IO:TIBA
Market	STOCKS	STOCKS	PRIVATE
Sector	Technology	Financial Services	Financial Services & Finance
Industry	Software - Infrastructure	Financial - Credit Services	Fintech
Country	UY	US	BR
Stage
Employee Count	951	33.40K
Website	dlocal.com	mastercard.com	tiba.io
LinkedIn	dlocal	mastercard
Founders

Metric
Market Cap	2.38B	400.02B
Enterprise Value
Monthly Web Traffic		14.01M
Web Traffic Growth		-0.08
Valuation
Raised Capital

Metric
Revenue	650.35M	25.10B
Revenue (LTM)
Revenue (NTM)
Gross Profit	276.86M	25.10B
EBITDA	122.08M	13.86B
Operating Income	179.66M	14.01B
Net Income	148.96M	11.20B
EPS		11.86
Diluted EPS		11.83
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.45	0.87
Operating Profit Margin	0.28	0.58
EBITDA Margin	0.19	0.55
Net Profit Margin	0.24	0.46
Return on Equity	0.36	1.86
Return on Assets	0.14	0.29
Return on Capital Employed	0.39	0.58

COM:DLOCAL

DLocal Limited

Last Close

10.74

22/11 21:00

Market Cap

2.38B

Beta: -

Volume Today

1.82M

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	33.13	38.16
P/B Ratio	10.75	61.66
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	7.81	17.94
EV Multiple	36.36	28.85

Metric
Days Sales Outstanding	196.40	59.04
Days Payables Outstanding	630.05	67.74
Days Inventory Outstanding	362.51	111.83
Operating Cycle	541.80	170.87
Cash Conversion Cycle	-17.58	120.32
Asset Turnover	0.60	0.62

Metric
Operating Cash Flow	293.45M	11.98B
Free Cash Flow	275.23M	11.61B
Cash Flow to Debt	74.16	0.78
Operating Cash Flow/Sales	0.45	0.48
Free Cash Flow Yield	0.04	0.03

Metric
Cash & Equivalents	222.81M	8.59B
Accounts Receivable		-506M
Inventory	370.94M
Goodwill		7.66B
Debt to Capitalization	0.01	0.69
Debt to Assets	0.00	0.37
Current Ratio	1.66	1.17
Quick Ratio	1.61	1.14

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.02	0.02
R&D to Revenue	0.02
SG&A to Revenue	0.12	0.36