Core Insights - Investors in the Financial Transaction Services sector may consider Fiserv (FI) and DLocal (DLO) as potential investment opportunities [1] - Fiserv currently holds a Zacks Rank of 2 (Buy), while DLocal has a Zacks Rank of 3 (Hold), indicating a stronger earnings outlook for Fiserv [3] Valuation Metrics - Fiserv has a forward P/E ratio of 20.44, compared to DLocal's forward P/E of 20.61, suggesting a slightly better valuation for Fiserv [5] - The PEG ratio for Fiserv is 1.37, indicating a favorable growth outlook, while DLocal's PEG ratio stands at 2.81, suggesting it may be overvalued relative to its growth [5] - Fiserv's P/B ratio is 4.19, which is lower than DLocal's P/B ratio of 7.61, further supporting Fiserv's position as a more attractive value option [6] Value Grades - Fiserv has a Value grade of B, while DLocal has a Value grade of C, indicating that Fiserv is perceived as a better value investment based on various financial metrics [6]

Group 1: SoundHound AI - SoundHound AI's stock has increased over 400% this year, positioning it as a strong candidate for growth in 2025 [2] - Management projects 2025 revenue to be between $155 million and $175 million, indicating a potential doubling from the projected 2024 revenue of $82 million to $85 million [3] - The company aims to achieve adjusted EBITDA profitability by the end of 2025, marking a significant milestone for a tech company [3] - SoundHound's products are being adopted across various industries, highlighting the scalability of its automation solutions [4] - The stock is currently trading at 46 times sales, necessitating consistent performance to maintain its high valuation [5] Group 2: dLocal - dLocal is a fintech company that provides payment processing solutions in emerging markets, serving clients like Spotify, Amazon, and Shopify [6] - The new CEO, Pedro Arnt, is expected to drive the company to new heights following his successful tenure at MercadoLibre [7] - In Q3, dLocal's total payment volume rose 41% year over year to $6.5 billion, with revenue increasing by 13% to $186 million [8] - The stock trades at 24 times forward earnings, indicating a lack of excessive hype, but potential for growth if the company can revitalize its business [8] Group 3: UiPath - UiPath specializes in robotic process automation (RPA) software, but its stock has suffered due to market perceptions regarding generative AI [9] - Despite a 40% decline in stock value in 2024, UiPath's annual recurring revenue (ARR) grew 17% year over year to $1.61 billion in Q3 [11] - The stock is currently valued at around 6 times sales, presenting a potentially attractive investment opportunity if the company can achieve profitability [12][14] - Management forecasts a 14% ARR growth in Q4, with non-GAAP operating income expected to double from Q3 to Q4, suggesting a positive outlook for 2025 [15]

Core Insights - dLocal has become a certified Payment Initiation Service Provider (PISP) in Brazil, allowing it to facilitate Pix payments directly within the Open Finance ecosystem without redirecting users to bank apps [1][2] - The certification enhances the checkout process by streamlining transactions and reducing friction, leading to increased conversion rates for Pix payments [2] - A significant portion of Brazilian consumers, 43%, use Pix daily, indicating its growing importance in the payment landscape [3] Company Developments - In April, dLocal partnered with Papaya Global to enable global firms to pay employees in local currencies across various regions, including Latin America, Asia, and Africa [4] - In October 2023, dLocal collaborated with ACE Money Transfer to enhance payout services in the Asia-Pacific region and EMEA, allowing instant money transfers across multiple corridors [5][6] - dLocal emphasizes the necessity of local solutions for global payment strategies, ensuring compliance and quality for customers in diverse payment ecosystems [5]

After reaching an important support level, DLocal (DLO) could be a good stock pick from a technical perspective. DLO surpassed resistance at the 200-day moving average, suggesting a long-term bullish trend.A useful tool for traders and analysts, the 200-day simple moving average helps determine long-term market trends for stocks, commodities, indexes, and other financial instruments. It moves higher or lower in conjunction with longer-term price performance, and serves as a support or resistance level.Share ...

Core Viewpoint - DLocal (DLO) shows a promising earnings outlook, with analysts raising their earnings estimates, which may positively impact the stock price [1][2]. Earnings Estimate Revisions - Current-quarter earnings are projected at $0.14 per share, reflecting no year-over-year change, with a 21.74% increase in the Zacks Consensus Estimate over the last 30 days due to one upward revision [4]. - For the full year, the earnings estimate stands at $0.47 per share, indicating an 18.97% decrease from the previous year, but there has been a 12.8% increase in the consensus estimate due to two upward revisions [5]. Zacks Rank and Performance - DLocal has achieved a Zacks Rank 2 (Buy), indicating strong agreement among analysts on positive earnings revisions, which historically correlates with stock performance [6]. - Stocks with Zacks Rank 1 (Strong Buy) and 2 (Buy) have shown significant outperformance compared to the S&P 500 [6]. Stock Performance - DLocal's stock has gained 19.7% over the past four weeks, driven by solid estimate revisions, suggesting potential for further growth [7].

In this video, I will cover DLocal's (DLO 15.60%) third-quarter earnings, which made me increasingly bullish on the company's future. Watch the short video to learn more, consider subscribing, and click the special offer link below.*Stock prices used were from the trading day of Nov. 13, 2024. The video was published on Nov. 13, 2024. ...

Michael Wiggins De Oliveira is an inflection investor. This means buying into cheap companies at the moment when their narrative is changing and the business is on a path toward becoming significantly more profitable over the next year.With a focus on tech and “the Great Energy Transition (including uranium)”, Michael runs a concentrated portfolio with approximately 15 to 20 stocks and an average holding period of 18 months. Through his 10+ years analyzing countless companies, Michael has accumulated outsta ...

Financial Data and Key Metrics Changes - Total payment volume (TPV) reached $6.5 billion, up 41% year-over-year and 8% quarter-over-quarter [26] - Gross profit reached a record of $78 million, up 5% year-over-year, with adjusted EBITDA of $52 million, representing an adjusted EBITDA margin of 28% [30][39] - Net income was $27 million, down 42% quarter-over-quarter and 34% year-over-year, primarily impacted by lower finance results [40] Business Line Data and Key Metrics Changes - Cross-border flows grew 12% quarter-over-quarter and 35% year-over-year, reaching $3 billion in TPV [26] - Local-to-local TPV increased by 4% quarter-over-quarter and 47% year-over-year, with strong performance in Mexico and Argentina [26] - Pay-ins business grew 8% quarter-over-quarter and 35% year-over-year, while payouts business grew 7% quarter-over-quarter and nearly 60% year-over-year [28] Market Data and Key Metrics Changes - Strong performance reported in Argentina, Mexico, Egypt, and other Latin American countries, particularly Colombia and Peru [11][26] - Significant growth in Africa and Asia, with gross profit in these regions increasing by almost 50% year-over-year [31] Company Strategy and Development Direction - The company is focused on expanding its merchant base and enhancing its product offerings, including the launch of new payment methods and technology improvements [18][22] - Continued investment in licenses across emerging markets is seen as a competitive advantage, with new licenses obtained in Nigeria, Ecuador, and Uganda [23][87] - The orchestration product allows merchants to maintain flexibility while benefiting from the company's technology stack [90] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the long-term growth potential, driven by the increasing demand for digital payments and the company's ability to innovate [48][49] - The company is cautious about Q4 results due to seasonality but noted strong trends in TPV so far [93] - Management emphasized the importance of diversification in mitigating risks associated with emerging markets [53][64] Other Important Information - The company achieved a cash conversion rate of nearly 100% to net income, with a strong liquidity position of $320 million [42] - Operating expenses reached $37 million, a 6% decrease quarter-over-quarter, while still investing in product development and IT capabilities [37] Q&A Session Summary Question: Gross profit loss in Brazil - Management explained that the loss was due to a specific merchant's regulatory changes requiring direct contracts with acquirers, which is not expected to affect other merchants [54][56] Question: Decrease in G&A expenses - Management confirmed that while G&A expenses decreased, investments in product and IT would continue, with expectations of slight increases in costs moving forward [57][58] Question: Strong gross profit growth in other geographies - Management highlighted that many newer markets are cross-border and that diversification is driving long-term growth opportunities [62][64] Question: Fourth quarter guidance as a run rate for 2025 - Management indicated that while Q4 is expected to show strong seasonal growth, it is too early to provide guidance for 2025 [66][68] Question: Competitive advantage in remittances - Management noted that speed of payout and competitive FX pricing are key advantages, along with a strong technology stack and local integrations [70][72] Question: Gross profit margin expectations - Management discussed the potential for cost reductions as the business scales, but noted that predicting specific margins is challenging due to various factors [75][78] Question: Future investments and operational leverage - Management indicated that disciplined investments would continue for several quarters before achieving full operational leverage [81][82] Question: Impact of new licenses on income statement - Management clarified that while licenses do not directly reduce costs, they provide a competitive advantage that could lead to increased volumes over time [87][88] Question: Payments orchestration solution - Management explained that the orchestration solution is optional for merchants, allowing them to choose between maintaining simplicity or having direct contracts with processors [90]

Earnings Presentation Q3 2024 d local EARNINGS PRESENTATION | Q3 2024 Mark Ortiz Chief Financial Officer Maria Oldham Pedro Arnt Chief Executive Officer SVP of Corporate Development, Strategy and Investor Relations 2 EARNINGS PRESENTATION | Q3 2024 3 Safe Harbor This presentation may contain forward-looking statements. These forward-looking statements convey dLocal's current expectations or forecasts of future events, including guidance in respect of total payment volume, gross profit, Adjusted EBITDA and A ...

DLocal (DLO) came out with quarterly earnings of $0.15 per share, beating the Zacks Consensus Estimate of $0.09 per share. This compares to earnings of $0.16 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 66.67%. A quarter ago, it was expected that this online payment company would post earnings of $0.09 per share when it actually produced earnings of $0.15, delivering a surprise of 66.67%.Over the last four quarters, the com ...