Slide 1: dLocal
d-local
Slide 2: 2Q26 Earnings Release contents
2026 Earnings Release Key Busi Letterto Tech Update Financial Hi Appendix dLocal reports in US dallas and in accordance with IFRS as issued by the IASB ‘Montevideo, Uruguay, Aug 026 = Dhocal Limited (“dLocal’, ‘we’, "us", and “our’) (NASDAQ.DLO), the leading cross-border payfientplatférm connecting
Slide 3: 2Q26 Key Business Highlights
2026 Earnings Release 2Q26 Key Business Highlights Total Payment Volume billions 2026 1026 2025 A 9,2 14.4 Revenue millions 22 400 106 A 336 2225 A 256 Gross Profit millions R 2 127 1026 A 119 2025 A OS Operating Profit millions 22 C4 1025 53 2225 NT SE Net income iillions 2026 a 55 1026 A 42 2225 A
Slide 4: Letter to Shareholders
2026 Earnings Release Letter to Shareholders PEDRO ARNT CEO dlocal Our results for the second quarter of 2026 are yet another proof point of our continued traction and execution. TPV reached $17.7 billion, accelerating to 92% year-over-year, the highest growth rate since the first quarter of 2022. W
Slide 5: Letter to Shareholders (continued)
2Q26 Earnings Release / Letter to Shareholders Asia-Pacific is a clear example of this opportunity and a region about which we are increasingly excited. It is large, fast-growing and highly fragmented, with significant untapped potential. It has become one of our strategic priorities, and we have be
Slide 6: 2026 Earnings Release
2026 Earnings Release
Slide 7: Tech Update
2Q26 Earnings Release / Tech Update Our product and tech investments continue to broaden our platform, enhance efficiency and unlock new revenue streams. Coverage & Performance + Expanding our local payment reach: Added 7 new APMs, bringing our total offering to 217 APMs across 39 markets. Additions
Slide 8: Business highlights
Slide 9: Business highlights
2Q26 Earnings Release / Business highlights Pay-ins TPV 08813 45 A+110% YoY 433% Q0Q Pay-ins surpassed $138 for the first time, with strong performance in ride-halling, on-demand delivery, ‘commerce. travel, and Saas. Cross-border TPV US$6 9B A+46% YOY 449% QoQ 200 results mainly driven by remittanc
Slide 10: Business highlights: TPV, revenue and gross profit breakdowns
2026 Earnings Release / Business highlights 10 The tables below present the breakdown of dLocal’s TPV by product and type of flow: lions of USS except for % Payins Payouts Total TEV {nmilions of USS except for % cross-border Local to Local ‘Total TPV 2026 © share ©2025 hare. 13440 76% = 6305 69% 425
Slide 11: Financial highlights
Slide 12: Financial highlights
2026 Earnings Release / Financial highlights + Total Payment Volume (“TPV") reached USS17.7 billion in the second quarter of 2026, up 92% year-over-year compared to USS9.2 billion in the second quarter of 2025 and up 26% compared to US$14.1 billion in the first quarter of 2026. In constant currency,
Slide 13: Financial highlights: cash flow and cash position
2026 Earnings Release / Financial highlights + Adjusted free cash flow for the second quarter of 2026 amounted to US$68.5 millon, up 41% year-over-year compared to US$48.4 milion in the second quarter of 2025, and up substantially compared to US$14,7 million in the first quarter of 2026. The improve
Slide 14: 2026 guidance update
2026 Earnings Release / Financial highlights 2026 guidance update Relevant trends: + Continued strong TPV growth across multiple verticals and geographies, with large merchants having accelerated ramp up; + Slight sequential increase in Opex mainly due to higher average salaries; headcount was almos
Slide 15: Adjusted Free Cash Flow reconciliation
2026 Earnings Release / Financial highlights 15 Adjusted Free Cash Flow reconciliation We calculate “Adjusted Free Cash Flow” as net cash (used in) / generated from cash flows from operating activities, less ()) changes in working capital (merchant), and (ji) capital expenditures. The working capita
Slide 16: Constant currency measures to reported results
2026 Earnings Release / Financial highlights 16 TPV, Revenue and Gross profit constant currency measures to reported results Constant currency revenue is a non-IFRS financial measure. Constant currency measures are prepared and presented to eliminate the effect of foreign exchange, or “FX;’ volatili
Slide 17: Earnings per share
2Q26 Earnings Release / Financial highlights Earnings per share We calculate basic earnings per share by dividing the profit attributable to owners of the group by the weighted average number of common shares outstanding during the three-month period ended June 30, 2026 and 2025. 7 Our diluted earni
Slide 18: Appendix
Slide 19: Definition of selected operational metrics
2026 Earnings Release / Appendix Definition of selected operational metrics API > means application programming interface, which is a general term for programming techniques that are available for software developers when they integrate with a particular service or application. In the payments indus
Slide 20: Consolidated Statements of Comprehensive Income
2026 Earnings Release / Appendix dLocal Limited Certain financial information. Consolidated Statements of Comprehensive Income for the three-month and six-month periods ended June 30, 2026 and 2025 All amounts in thousands of U.S, Dollars except share data or as otherwise indicated 20 ‘Three months
Slide 21: Consolidated Statements of Financial Position
2026 Earnings Release / Appendix 2 dLocal Limited Certain financial information. Consolidated Statements of Financial Position as of June 30, 2026 and 2025 All amounts in thousands of U.S. dollars 2026 2025 con June 20, 2026 con June 20, 2025 ASSETS Current Assets Cash and cash equivatente Foe 76.98
Slide 22: Consolidated Statements of Cash Flows
2026 Earnings Release / Appendix 22 dLocal Limited Certain interim financial information. Consolidated Statements of Cash flows for the the three-month and six-month periods ended June 30, 2026 and 2025 All amounts in thousands of US. dollars ‘Three months ended on June 30 ‘Sh months ended on June 3
Slide 23: Conference call and webcast
2026 Earnings Release Conference call and webcast dLocal's management team will host a conference calll and audio webcast on August 13, 2026 at 5:00 p.m. Eastern Time. Please click here to preregister for the conference call and obtain your dial in number and passcode. The live conference call can b
Slide 24: Forward-looking statements
This press release 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 and operating profit. Forwardlooking statements regarding dlocal and amo
Slide 25: Investor Relations Contact
d-local Investor Relations Contact investor@dlocal.com media@dlocal.com This press release does not contain sufficient information to constitute an interim financial etn eae Sccourig ia ren Fee 8 nancial statement as defined by International Accounting Standards 1 ‘Financial Statements". fo a ane be