FDLO

BeardedBadAzz

Stay invested but switch to lower beta ETFs (\~ FDLO, SCHD, VDV) and can also do short term bonds. That way you are still invested but if the market tanks 10% you won’t feel the full impact. Downside is that you will lose out if the bull market continues of course.

Puzzleheaded-One-607

**dLocal (NASDAQ:DLO)** reported strong second quarter 2026 results, with Total Payment Volume of **US$17.7 billion**, up 92% year-over-year, and revenue of **US$399.7 million**, up 56%. Gross profit reached a record **US$127.2 million**(+29%), while operating profit was **US$64.2 million** (+15%). Net income rose 28% to **US$54.8 million**, or US$0.18 diluted EPS. Adjusted free cash flow was **US$68.5 million**(+41% YoY) with 125% conversion versus net income. dLocal raised 2026 TPV guidance to 60–70% growth and gross profit growth to 25–30%, maintaining operating profit growth guidance at 27.5–32.5%. The company held **US$794.9 million** in cash and equivalents, repurchased 6.9 million Class A shares for US$86.1 million under its US$300 million program, and entered a new **US$150 million**senior unsecured credit facility maturing in 2029. dLocal Reports Second Quarter 2026 Financial Results [**Rhea-AI Impact**](https://www.stocktitan.net/rhea-ai.html#impact) (Moderate) [**Rhea-AI Sentiment**](https://www.stocktitan.net/rhea-ai.html#sentiment) (Neutral) Tags [**earnings**](https://www.stocktitan.net/news/earnings.html) **Rhea-AI Summary** **dLocal (NASDAQ:DLO)** reported strong second quarter 2026 results, with Total Payment Volume of **US$17.7 billion**, up 92% year-over-year, and revenue of **US$399.7 million**, up 56%. Gross profit reached a record **US$127.2 million**(+29%), while operating profit was **US$64.2 million** (+15%). Net income rose 28% to **US$54.8 million**, or US$0.18 diluted EPS. Adjusted free cash flow was **US$68.5 million**(+41% YoY) with 125% conversion versus net income. dLocal raised 2026 TPV guidance to 60–70% growth and gross profit growth to 25–30%, maintaining operating profit growth guidance at 27.5–32.5%. The company held **US$794.9 million** in cash and equivalents, repurchased 6.9 million Class A shares for US$86.1 million under its US$300 million program, and entered a new **US$150 million**senior unsecured credit facility maturing in 2029. **Positive** **TPV growth** \+92% YoY to US$17.7 billion in Q2 2026 **Revenue** \+56% YoY to US$399.7 million in Q2 2026 **Net income** \+28% YoY to US$54.8 million; diluted EPS US$0.18 **Adjusted free cash flow** \+41% YoY to US$68.5 million; 125% of net income **Guidance raised** for 2026 TPV to 60–70% growth and gross profit to 25–30% **Share repurchases** of 6.9 million Class A shares for US$86.1 million in Q2 **Total cash and equivalents** US$794.9 million as of June 30, 2026 **Negative** **Gross profit margin** declined to 32% from 39% a year earlier (−7 p.p.) **Gross profit over TPV** fell to 0.72% from 1.07% in Q2 2025 **Net income margin** decreased to 14% from 17% in Q2 2025 (−3 p.p.) **Operating expenses** \+46% YoY in Q2 2026 to US$63.0 million **Corporate cash** decreased US$82.7 million QoQ due to dividends and buybacks **New debt** US$150 million senior unsecured credit facility maturing in 2029 **News Explained** The reported second-quarter results show strong growth, but scaling came with lower margins: gross profit margin fell to 32% from 39% year over year, while operating profit rose 15% to US$64.2 million. **Market Reaction** ** ** **– DLO** **+3.73%** $14.81 2.4x vol **15m delay** AI-generated analysis. [How Rhea-AI works](https://www.stocktitan.net/rhea-ai.html). Not financial advice.  **Don't miss StockTitan's market coverage in Google Search and AI answers.** [**Add on Google**](https://www.google.com/preferences/source?q=stocktitan.net) Not now [](https://twitter.com/intent/tweet?text=%24DLO%20dLocal%20Reports%20Second%20Quarter%202026%20Financial%20Results%0Ahttps%3A%2F%2Fwww.stocktitan.net%2Fnews%2FDLO%2Fd-local-reports-second-quarter-2026-financial-la7il283tox2.html) [](https://reddit.com/submit?url=https%3A%2F%2Fwww.stocktitan.net%2Fnews%2FDLO%2Fd-local-reports-second-quarter-2026-financial-la7il283tox2.html&title=dLocal%20Reports%20Second%20Quarter%202026%20Financial%20Results) [](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.stocktitan.net%2Fnews%2FDLO%2Fd-local-reports-second-quarter-2026-financial-la7il283tox2.html&quote=%24DLO%20%7C%20dLocal%20Reports%20Second%20Quarter%202026%20Financial%20Results) [](https://www.google.com/preferences/source?q=stocktitan.net) *08/13/2026 - 01:05 PM* *TPV reached nearly US$18 billion (+92% year-over-year), the 7th consecutive quarter of 50%+ growth, and continued acceleration over the last 5 quarters.* *Record gross profit: US$127 million (+29% year-over-year).* *Operating profit: US$64 million (+15% year-over-year), with Operating Profit/Gross Profit ratio reaching 50%(+6 p.p. quarter-over-quarter); operating leverage to improve in the second half of 2026.* *Net income at US$55 million (+28% year-over-year), diluted EPS $0.18 (vs. $0.14 in 1Q26).* *Adj. Free Cash Flow US$69 million (+41% year-over-year), Adj. FCF/Net income conversion of 125%.* *Guidance update: TPV guidance raised to 60–70%year-over-year and Gross profit to 25–30% year-over-year; Operating profit guidance maintained at 27.5–32.5% year-over-year.* MONTEVIDEO, Uruguay, Aug. 13, 2026 (GLOBE NEWSWIRE) -- DLocal Limited (“dLocal”, “we”, “us”, and “our”) (NASDAQ:[**DLO**](https://www.stocktitan.net/overview/DLO/)), the leading cross-border financial infrastructure platform connecting global merchants to emerging markets, today announced its financial results for the second quarter ended June 30, 2026. dLocal’s management team will host a conference call and audio webcast on August 13, 2026 at 5:00 p.m. Eastern Time. Please [click here](https://www.globenewswire.com/Tracker?data=kNaM51jXJJX8xKsD0nACa81WeujWPDpXpnLOL2h3C2jw-h9brRLoFr_T3UaFj8SRQm3hAI_M2eimU-WBwdvbMRWnO3jV8uu82SH4x-yuMJ_9xwIpEECoA8WgpvCZxKnt9is_FSJpV9cUQ7__Bzfryyj_UxYfNTS749vukxyHFKs=) to pre-register for the conference call and obtain your dial in number and passcode. *“TPV growth has remained above 50% year-over-year for seven consecutive quarters, with the last three quarters at or above 70%. Growth has also accelerated over the past five quarters, reaching its highest year-over-year rate in four years. Although the pace and scale of this growth will naturally create more demanding comparisons as we move through the second half of the year and into 2027, what we are seeing today reflects the positive returns on the investments we have made in our platform and portfolio of licenses. It is also a testament to the trust merchants place in us as they build and grow across emerging markets,” said Pedro Arnt, CEO of dLocal.*

ServerTechie

You say you need liquidity in 2032 - 2035, so I’m guessing you’re in your mid-50s? If so your concern is understandable. Option 1) dollar-cost average nice and steady with a diverse portfolio, and if I’m right about your age then a decent portion reserved for income / bonds as ballast. Option 2) a dividend and income portfolio, and/or some lower risk equity funds like FDLO

Vast_Cricket

I have better control of these etfs sell and acquired point. MF most were bought last century so massive I can not easily sell them w/o worrying about tax consequence. Contrafund. FDLO etf is another favorite ...

Historical-Might7277

Hi! I’m an 18 year old from the US. I’ve been working since I was 16 and was looking for some advice. Would it be generally smart for me to put $50-100 of each pay check into a Low Volatility Factor ETF? I currently own 1 share of FDLO and am wondering if I should continue putting money into it. My hope is that once I’m out of college I’ll be able to afford living life while I job search (I’m going into the arts). That being said I don’t I tend on stopping after college so long as I have co sister income.

Vast_Cricket

You could switch a less risky mutual fund. Equality and income funds. or FDLO having quality stopcks w less volatility...

4quila

You pickup and new ETFs? My triggers hit for FRNW and FDLO. Gains for URNM in the process of being wiped out.

Vast_Cricket

This adminstration is not injecting free money into Wall Street like former business minded group. Therefore the mentality of stocks priced into potential revenue in 2020 does not work well now. If you look at all new ipos after 1st earning, 2nd earning the investors do better than established stocks. These companies have revenue, a product that works and sell well. The volatility algo can work and often against the investor in a big way. FDLO has a beta of 0.98 with YTD ret of +21%, while more tech QQQ beta is 1.03 with a rtn of +29%. Want an emerging flavor like CQQQ you have a -16.3% YTD retrn with even higher beta.

Vast_Cricket

you have too many stocks not doing anything. Chase: Reduce these at your earliest convenience. OGI – 3 @ $115.50 (- 23%),YETI – 2 @ $94.39 (- 7%),GE – 1 @ $131.80 (-19%), UAL – 2 @ $90.68 (-46%),F – 4 @ $15 (- 5%) Same with multiple of these Vangaurd, Fidelity trying to cover too many funds. I own these for sometime: FDLO 3X (i.e. it doubled itself over the life), VAW 2X; FCNTX 3.8X. These are so lucrative I can not afford to cash out with big capital gain being ira or not. You need Voo.