Dotz S.A. is a Brazilian company that operates a business model focused on integrating loyalty, data and credit. The company operates a coalition loyalty program, which is a core pillar, and integrates it with its main monetization vertical, “Techfin”. This Techfin vertical focuses on originating and invoicing credit products, turning loyalty program points into buying power and rewards. The Dotz Pay platform is a key component of this strategy, aimed at expanding user penetration and engagement by unifying financial solutions and the rewards program.
How many years of EBITDA are required to pay off the company's net debt, according to the official accounting standard IFRS16. As a market consensus, a value of up to 3 years of leverage is accepted for most companies.
How much the company's debt represents in % in relation to its equity. As a market consensus, a value less than or equal to 1 is accepted, above that leverage can end up hurting the final result at some point.
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