JPMorgan cuts DLocal stock price target to $16, keeps Overweight

Published 07/04/2025, 14:50
JPMorgan cuts DLocal stock price target to $16, keeps Overweight

On Monday, JPMorgan made adjustments to the financial outlook for DLocal Limited (NASDAQ:DLO), a leading cross-border payment platform currently trading at $7.65, down over 50% in the past year. Analyst Guilherme Grespan revised the company's price target downward to $16.00 from the previous $18.00. Despite the reduction, the firm maintains an Overweight rating on the stock. According to InvestingPro analysis, DLO appears undervalued based on its Fair Value calculations, with analyst targets ranging from $9 to $18.

The adjustment follows a review of dLocal's model after the fourth quarter of 2024 results were released. Despite recent headwinds, the company maintains solid fundamentals with a healthy gross profit margin of 39.5% and revenue growth of 14.7% in the last twelve months. Looking ahead, JPMorgan analysts have reduced their net earnings forecast for the company by 10% for the year 2025, now expecting approximately $159 million in net earnings, or around $182 million in adjusted profit excluding share-based compensation (SBC). Similarly, the earnings forecast for 2026 has been cut by 10% to an estimated $204 million, or $230 million excluding SBC.Get access to 10 more exclusive InvestingPro Tips and comprehensive financial analysis in our detailed Pro Research Report, helping you make more informed investment decisions.

The revised figures place JPMorgan's estimates 11% above the Bloomberg consensus for 2025, which is based on 7 estimates. For 2026, their projections are roughly in line with the consensus from 6 estimates. However, the analysts note that adjustments on Bloomberg may not be directly comparable.

This new price target of $16 per share for December 2025 reflects the updated earnings expectations. Despite the lower price target, JPMorgan's Overweight stance indicates a positive outlook on dLocal's stock, which is currently trading at 11 times its estimated 2026 earnings per share.

In other recent news, dLocal reported its fourth-quarter 2024 earnings, revealing a slight miss in earnings per share (EPS) and revenue compared to market expectations. The company posted an EPS of $0.10 against a forecasted $0.14, and revenue of $204.5 million, slightly below the anticipated $204.88 million. Despite these results, dLocal demonstrated strong operational growth with a 45% year-over-year increase in Total (EPA:TTEF) Payment Volume (TPV) to $26 billion. Gross profit rose to $295 million, and the company maintained an adjusted EBITDA margin of 64%.

Additionally, Morgan Stanley (NYSE:MS) downgraded dLocal's stock from Overweight to Equalweight, adjusting the price target to $10.00, citing weaker-than-expected TPV results and increased expenses. The analysts noted that dLocal's guidance for 2025 appeared softer compared to consensus expectations. However, during the earnings conference call, dLocal's management highlighted ongoing growth opportunities in digitalization and emerging markets, expressing confidence in the company's strategic position.

In other company developments, dLocal announced that its Chief Financial Officer, Mark Ortiz, will step down due to health reasons, with Jeffrey Brown named as interim CFO. The firm reassured stakeholders of its commitment to its strategic plan and shareholder value creation, promising updates on the CFO search as they become available.

This article was generated with the support of AI and reviewed by an editor. For more information see our T&C.

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