dLocal (DLO) Faces Q4 Challenges but Eyes Long-Term Growth in Emerging Markets

GuruFocus03-19

dLocal (DLO, Financial), a leading online payment processor focusing on emerging markets across Asia, Africa, and Latin America, experienced a setback with its Q4 results, wiping out its 2024 gains. ...

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D","collect":0,"end_time":0,"defaultTopTitle":"gurufocus.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4588":"碎股","BK4539":"次新股","BK4227":"交易和支付处理服务","BK4106":"数据处理与外包服务","DLO":"DLocal Limited","BK4563":"昨日强势股","BK4585":"ETF&股票定投概念"},"translate_title":"dLocal(DLO)第四季度面临挑战，但着眼于新兴市场的长期增长","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"DLO":1},"content_text":"dLocal (DLO, Financial), a leading online payment processor focusing on emerging markets across Asia, Africa, and Latin America, experienced a setback with its Q4 results, wiping out its 2024 gains. Despite surpassing revenue expectations with a significant 59% increase to $188.01 million, dLocal's bottom line suffered, overshadowing its top-line growth. The company reported a 67% year-over-year earnings growth to $0.10 per share, yet it fell short of analyst predictions, marking a more considerable miss than in Q3.The revenue surge was driven by a robust 55% rise in total payment volume (TPV) to $5.1 billion, setting a new quarterly record. Brazil and Mexico were standout performers, with revenue doubling year-over-year in Brazil and Mexico seeing a 59% revenue increase.Several factors contributed to dLocal's earnings shortfall:Argentina's market faced significant challenges, including a 26% year-over-year revenue drop and a 56% sequential decrease, attributed to tighter capital controls and significant currency devaluation due to new economic measures. The company's net take rate decreased by 25 basis points to 1.4% in Q4, impacted by a lower share of pay-ins and cross-border volumes. dLocal's operational expenses (OpEx) rose to 41% of gross profits, up from 31% in Q3, as the company invested in expanding its workforce and improving systems to support growth, which may continue to affect profitability.Despite these challenges, dLocal remains optimistic about its future, particularly in Argentina, as it navigates through hyperinflation towards dollarization. The company is confident that its technological investments will yield benefits as it scales. 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