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Dlocal Ltd (DLO) is a good buy for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. The company demonstrates strong financial growth, positive analyst sentiment, and a promising partnership catalyst. While technical indicators are mixed, the long-term growth potential outweighs short-term fluctuations.
The MACD is positive and expanding, suggesting bullish momentum. However, the RSI is neutral at 50.724, and moving averages indicate a bearish trend (SMA_200 > SMA_20 > SMA_5). Key support is at 11.857, and resistance is at 13.243. Overall, technicals are mixed but not overly bearish.

Partnership with Stable Sea to enhance B2B payment solutions, which could expand market reach.
Strong financial performance in Q3 2025, with revenue up 52.06% YoY and net income up 93.51% YoY.
Positive analyst sentiment with recent upgrades and price target increases.
Gross margin dropped by 13.19% YoY in Q3 2025, which could indicate rising costs or pricing pressures.
Bearish moving averages and neutral RSI suggest limited immediate upward momentum.
In Q3 2025, DLocal reported strong growth: Revenue increased by 52.06% YoY to $282.48M, Net Income surged by 93.51% YoY to $51.83M, and EPS rose by 88.89% YoY to $0.17. However, the gross margin declined to 36.53%, down 13.19% YoY.
Analysts are optimistic about DLocal, with JPMorgan maintaining an Overweight rating and Truist raising its price target to $17. Recent analyst coverage highlights strong growth potential in the fintech sector, despite some caution around tougher year-over-year comparisons.