DLODLocal Limited
Is it safe?
Mostly sound, with a caveat: comfortable debt (AA), but big price swings.
Insiders were net sellers (-$1.2M, 90 days to Oct 8, 2026), selling is often routine.
Net cash and profitable. A rule of thumb on leverage, not a credit rating.
Large price swings, high volatility. Worst drawdown -90% · now 3% below its 52-week high.
Where this answer is blind. Altman sits structurally low for utilities and pipelines; Beneish runs high for fast growers, since sales growth alone lifts it; banks and REITs are excluded.
Can DLO take a bad year?
DLocal Limited holds $633M more cash than debt, so a bad year is a question about profits, not about lenders.
Net cash
- Net debt / EBITDA
- net cash
Net debt / EBITDA · no net borrowings to measure against earnings
- Interest cover
- 5.27×
Interest cover · operating profit covers the interest bill several times over
- Annualised volatility
- 57%
Annualised volatility · roughly twice as jumpy as the market
Details›
- Total debtQ4 2025
- $87M
- Cash and short-term investments
- $720M
- Net cash
- $633M
- EBITDA, trailing twelve months
- $227M
- Operating profit, trailing twelve months
- $202M
- Debt / equity
- 0.15×
- Total debt / EBITDA
- 0.38×
- Annualised volatilitytwo years of daily moves
- 57%
- Worst drawdown on file
- −90%
- Below its 52-week high
- 3.5%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Software, Infrastructure
Ranks #2 of 80 by RyuScore