Based on the data provided, 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 performance, significant growth potential in the fintech sector, and positive analyst sentiment. Despite minor short-term risks, the long-term growth outlook and shareholder-friendly initiatives like the buyback program make it a compelling investment.
The MACD is positive and expanding, indicating bullish momentum. RSI is neutral at 72.303, suggesting no overbought or oversold conditions. Moving averages are converging, which may indicate a potential breakout. The stock is trading near its resistance level of 12.814, with support at 12.103.

Record Total Payment Volume of $13.1 billion in Q4 2025, a 70% year-over-year increase.
Over $1 billion in annual revenue and strong free cash flow.
Management projects 50-60% TPV growth for
Initiation of a $300 million buyback program to enhance shareholder returns.
Long-term growth opportunities in Latin America's fintech sector.
Political and macroeconomic risks in Latin America.
Minor sequential decline in gross profit expected in Q1 2026 due to higher tax rates and take rate pressure.
DLocal reported record Total Payment Volume of $13.1 billion in Q4 2025, a 70% year-over-year increase. The company achieved over $1 billion in annual revenue and significant free cash flow growth, showcasing strong financial stability. Management projects 50-60% TPV growth for 2026 and initiated a $300 million buyback program.
Analysts maintain a Buy rating with price targets ranging from $15 to $17, reflecting optimism about the company's strong volume growth and financial performance. However, some concerns remain about operating expense impacts and take rate pressure.