VTEX

VTEX

VTEX

Recurring SaaS

★ Quality 41/100
Overvalued

Price today

$3.61

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charlieapp.co

What this business is made of

41qualityReturnsMoatBalance sheetPricing powerReinvestment

The business

VTEX is the digital back office of Latino retail: it grows when they sell.

VTEX sells a cloud-based digital commerce platform for big brands and retailers, mostly in Latin America. It charges a subscription plus a take rate on the GMV it processes, so it grows with its customers without ever touching inventory.

Deep integration with the ERPs and omnichannel operations of large retailers — switching takes months and money. The moat is real but narrow: it competes against Shopify and Salesforce, and VTEX has no clout outside LatAm.

Revenue history

$0.1B
2021
$0.2B
2022
$0.2B
2023
$0.2B
2024
$0.2B
2025
CAGR 5 años: +10%

From $0.1B to $0.2B in 4 years. The business grows steadily.

Where each $100 of sales goes

Revenue $241M · FY2025

Cost of sales$54M · 23%
Operations and taxes$166M · 69%
Net profit$20M · 8%

Of every $100 in sales, $92 goes to costs and operations; $8 is left as net profit (8% margin).

Catalysts and risks

FY2026 guidance of $267.6M, +11.5% in USD.

$50M buyback authorized after record FCF in Q4.

Revenue +15% in constant currency signals that FX is hiding the real growth.

⚠️

Currency exposure to the Brazilian real and Argentine peso hits reported revenue.

⚠️

Shopify and Adobe Commerce pushing aggressively into the Latino mid-market.

⚠️

CAGR revised down from 30% to 6% — the market may keep cutting the multiple if the slowdown is confirmed.

Charlie's note

Paying 17x for a 68% gross margin is reasonable when the omnichannel moat in LatAm chains big retailers in for years; the catch is that growing at 6% isn't what you expect from software, so it's worth waiting for the multiple to reflect that lukewarm pace.

Analysis · May 2026

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