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Stock Ratings / Consumer Discretionary / DLO / forecast
BFH (57) PAY (74) MMS (68) FOUR (44) ⌘ Pro Terminal →

DLocal Limited (Class A) (DLO) 12-Month Stock Forecast & Price Target Cone

$13.24 +2.16% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $13.27

DLocal Limited (Class A) (DLO) carries a Roarable Rating of D (Sell) with 47/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $3.82B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is DLO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, DLocal Limited (Class A) (NASDAQ: DLO) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 47/100 at a spot price of $13.24 (+2.16% 1D, market cap $3.82B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 9/20. Across 1009 tracked Consumer Discretionary issuers, DLO ranks #608 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does DLO compare to BFH and PAY in the Consumer Discretionary sector?
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Within the Consumer Discretionary sector (Business Services), DLO carries a Roarable D (47/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, BFH (Bread Financial Holdings Inc.) holds a D+ grade (57/100 RQD, P/E 7.7x, ROIC 6.4%, cap $3.93B) and PAY (Paymentus Holdings Inc. (Class A)) posts a B grade (74/100 RQD, P/E 60.7x, ROIC 24.9%, cap $4.13B). Among the 5-stock peer group, BFH leads on earnings multiple (7.7x) while PAY leads on capital efficiency (24.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for DLO?
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For DLocal Limited (Class A) (DLO), key quantitative strengths include Established market leader in Consumer Discretionary with deep daily trading liquidity and sector rank #608 in Consumer Discretionary, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately and Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $13.27 (+0.20%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 2.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (47/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.9% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510047
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D
Cash (12)Whales (6)SEC (13)Macro (7)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE-5% Base Target
$17 Bull$13 Base$10 Bear
📬 FREE DLO RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for DLO)Realized 20D OHLCV Swing Band: ±8.2%
Deterministic 5-Pillar Attribution (47/100 Composite)
🔍 WHY DLO SCORES 47/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (28% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (26% of score)

SEC XBRL Trailing 12 Months: 2.7% FCF Margin ($107.0M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
55
Grade C$15.02+1.1% Next Q
Q2 (-2Q)
52
Grade C-$15.18-7.4% Next Q
Q3 (-1Q)
50
Grade C-$14.05-5.8% Next Q
Current
47
Grade D$13.24-5.9% Hist 90D α
Trajectory: C (55) → D (47)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a DLO Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While DLO currently carries a cautious 47/100 (D) rating due to Whale & Options Positioning (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Consumer Discretionary with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($14.55) and Max Pain ($13.90) forces dealer call-delta covering toward $16.96.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $DLO• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “DLO Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
YES 47%NO 53%Trade / Inspect Odds →
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your DLO Position Size: $10,000

Shares at $13.24: 755.3 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $9.81
$7,409
$-2,591 (-25.9%)
12M Consensus BaseTarget $12.58
$9,502
$-498 (-5.0%)
12M Bull Case BreakoutTarget $16.96
$12,810
+$2,810 (+28.1%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (35 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 17● Hold: 9● Sell: 9
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskHOLD$1374%A
Goldman SachsSector Coverage LeadUNDERPERFORM$1669%B
JP MorganUS Large-Cap ResearchSELL$1158%C
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring DLO)

  • ✓Walkthrough of DLO's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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DLO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -3.29%🛡️ HOLDING TREND SUPPORT
2026-11-03O $13.65H $13.65L $12.96C $13.24VOL 2.33M
RES: $15.20SUP: $12.84SMA50: $14.55SMA200: $13.53
$16.54$14.94$13.34$11.74$10.14RES $15.20SUP $12.84$13.242026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

DLO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 DLO Butterfly Map → + Track DLO →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on DLO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for DLO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for DLO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (DLO)

Consumer Discretionary Rank #608 of 1009 ⚔️ BFH vs DLO Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (DLO vs. BFH, PAY, MMS, FOUR)

Industry: Business Services (88 Tracked Issuers)

Across 1009 tracked Consumer Discretionary securities in the Roarable RQD universe, DLocal Limited (Class A) (DLO) ranks #608 by composite RQD confidence (47/100, grade D) and #319 by equity capitalization ($3.82B). Within this direct 5-issuer industry benchmark cohort, BFH leads on earnings valuation at 7.7x trailing P/E, while PAY leads on capital efficiency and profitability with 24.9% ROIC and 24.8% gross margin. PAY currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with DLO at 47/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
DLO ACTIVE
DLocal Limited (Class A)
D 47/100 — — — +2.16% $3.82B Benchmark Subject
BFH
Bread Financial Holdings Inc.
D+ 57/100 7.7x — 6.4% +3.63% $3.93B /bfh-vs-dlo →
PAY
Paymentus Holdings Inc. (Class A)
B 74/100 60.7x 24.8% 24.9% +6.80% $4.13B /pay-vs-dlo →
MMS
Maximus Inc.
C+ 68/100 10.3x 24.6% 13.5% +4.44% $3.34B /mms-vs-dlo →
FOUR
Shift4 Payments Inc. (Class A)
D 44/100 21.1x — 5.5% +5.10% $3.16B /four-vs-dlo →

2. DLO Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

DLocal Limited (Class A) (DLO) operates in Business Services (Consumer Discretionary) with an equity capitalization of $3.82B, trailing P/E of N/A, forward P/E of N/A, and EV/EBITDA of N/A. Operating profitability registers a gross margin of —, operating margin of —, net profit margin of —, ROIC of —, and free cash flow yield of —, alongside an Altman Z-Score of N/A and Piotroski F-Score of N/A.

3. DLO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is DLO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, DLocal Limited (Class A) (NASDAQ: DLO) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 47/100 at a spot price of $13.24 (+2.16% 1D, market cap $3.82B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 9/20. Across 1009 tracked Consumer Discretionary issuers, DLO ranks #608 in composite RQD confidence.

How does DLO compare to BFH and PAY in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), DLO carries a Roarable D (47/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, BFH (Bread Financial Holdings Inc.) holds a D+ grade (57/100 RQD, P/E 7.7x, ROIC 6.4%, cap $3.93B) and PAY (Paymentus Holdings Inc. (Class A)) posts a B grade (74/100 RQD, P/E 60.7x, ROIC 24.9%, cap $4.13B). Among the 5-stock peer group, BFH leads on earnings multiple (7.7x) while PAY leads on capital efficiency (24.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for DLO?

For DLocal Limited (Class A) (DLO), key quantitative strengths include Established market leader in Consumer Discretionary with deep daily trading liquidity and sector rank #608 in Consumer Discretionary, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately and Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is DLO trading relative to its 50-day, 200-day, and 52-week technical levels?

DLO last traded at $13.24 (+2.16% on volume of 3,289,212 shares), positioning the stock -9.00% below its 50-day simple moving average ($14.55) and -2.14% below its 200-day simple moving average ($13.53). Across its 52-week range of $10.64 to $16.15, DLO sits at the 47.2% percentile with a 14-day RSI of 35.5 (NEUTRAL RANGE) and an implied next-earnings move of ±8.2% ($12.15 to $14.33).

Direct Sub-Reports: DLO RQD Cockpit DLO 12M Forecast DLO Earnings & Move DLO Dividends & DRIP DLO Insiders & 13F DLO Whale Options DLO Profit Sankey DLO News & Why
ROARABLE RATING BRIEF • RQD 47/100 (D) ✓ SEC XBRL & RQD VERIFIED

DLO — DLocal Limited (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-11-03

1. Roarable Rating Brief: What This Means to a Prospective Investor

DLocal Limited (Class A) (DLO) earns a live Roarable RQD composite score of 47/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $13.24 (+2.16% 1D, market capitalization $3.82B).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of —, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (6/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (7/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of N/A, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

DLocal Limited (Class A) (DLO) is listed on NASDAQ and classified under the Consumer Discretionary sector and Business Services industry. The profile identifies a market capitalization of $4.0B.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D • RQD 47/100): Established market leader in Consumer Discretionary with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 6/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 6/20, sustained execution supports upside toward the upper end of the $10.64 – $16.15 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore — Investors should note that the absence of mapped links means this analysis cannot identify ripple effects from the source alone.

  • Key Question #1: Can DLO sustain or expand its — operating margin and — ROIC against Business Services peers over the next 4 quarters?
  • Key Question #2: Will free cash flow conversion (— FCF yield) strengthen balance-sheet liquidity (Altman Z-Score N/A) toward the $16.15 52-week high?
  • Key Question #3: How sensitive is DLO's equity valuation to Consumer Discretionary capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

DLO Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for DLocal Limited (Class A) (DLO) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to DLO Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

DLO Bull vs. Bear Conversation Board — What's Your Call at $13.24?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON DLO 🐻 33% BEARISH CONVICTION
1. Pick Your Side on DLO:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $16.46 (+27.0%)
📌 Pinned Debate

Comparatively sound forensic balance sheet (Altman Z 2.5, Piotroski F 6/9, Debt/Equity 0.5) and an Investing.com catalyst report of a 7

Comparatively sound forensic balance sheet (Altman Z 2.5, Piotroski F 6/9, Debt/Equity 0.5) and an Investing.com catalyst report of a 71% surge after undervaluation identification.. When you look under the hood at DLO, Fundamental Cash Engine is 12/20 with 0.0% gross margins and 0.0% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (6/20) has been quietly accumulating below $16.15. My 12M target is $16.46.

CapAlloc_Nerd 🐂 BULL

@CreditSpread_Watch Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Business Services. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $9.98 (-23.0%)
Spot @ $12.96

Zero reported ROIC, FCF yield, and margins alongside the lowest-scoring whale 13F flow pillar (7 / 20) leave no demonstrated cash retur

Zero reported ROIC, FCF yield, and margins alongside the lowest-scoring whale 13F flow pillar (7 / 20) leave no demonstrated cash returns or strong institutional conviction.. Look at the math on DLO: paying current EV/EBITDA multiples for 0.0% ROIC and 0.0% operating margins leaves zero margin of safety if Business Services demand softens. I'd wait for a retest of $11.40 before getting long.

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