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  POINTS dLocal (DLO) is a global fintech company enabling e-commerce payments in emerging markets. Despite an 81% decline from its all-time high, revenue has grown 600% since its IPO. Total Payment Volume (TPV) increased by 41% in 2024, with revenue up 13%. Currently valued at 27 times free cash flow (FCF), suggesting potential undervaluation. Key clients include Amazon, Spotify, Uber, and Netflix. Details source : pixabay(payment) dLocal (NASDAQ: DLO) Overview Business Model Operates in emerging markets (Latin America, Africa, and Asia), offering 900+ payment options to over 2 billion consumers . Facilitates payments for global enterprises without requiring international credit cards. Before dLocal, customers without international credit cards faced challenges making purchases , but dLocal enables local payment processing. Major Clients Amazon, Spotify, Uber, Shopify, Netflix , and other global companies. Revenue and Financial Growth 600% revenue growth since IPO in 2021. Total...

  Point Upstart recently reported 56% revenue growth and provided a strong outlook for 2025. The company is expanding beyond personal loans into auto loans and home equity lines of credit (HELOCs) , opening massive growth opportunities. Upstart expects to reach GAAP profitability in 2025 , marking a significant milestone for financial stability. Details image source :  Upstart  1. Strong Growth and Improving Profitability Upstart has consistently outperformed market expectations , reporting impressive financial results over the past few quarters. Q4 2024 revenue: $285 million, up 56% year-over-year , and 35% sequential growth from Q3 Loan originations: $2.1 billion , a 68% increase from the previous year Adjusted EBITDA margin: 18%, up from 0% a year ago Net loss: $4.8 million, a 90% improvement from Q4 2023 More importantly, Upstart forecasts that 2025 will be its first billion-dollar revenue year . Additionally, it expects to reach break-even or better on a GAAP...