COMPARE · Data as of August 21, 2026
DLO vs JKHY
Verdict: Side-by-side breakdown using the Bull Rankings model. DLO scored 88.6, JKHY scored 73.0 — DLO leads.
Compare another set
Different reporting periods. JKHY's fundamentals are as of March 2026, but DLO's are as of December 2025 — a 3-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
DLO
DLocal Limited
88.6
$15.17 · $4.5B
fundamentals as of
Score gap
15.6
DLO leads
JKHY
Jack Henry & Associates, Inc.
73
$166.20 · $11.8B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestDLO22.3x
- Fastest growthDLO+46.6%
- Strongest balance sheetJKHY0.06
- Highest qualityJKHY93 / 100
- Largest discount to fair valueDLO-59%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
The model, pillar by pillar (0–100 each)
DLO
stronger →← stronger
JKHY
85
Qualityreturns · margins · balance sheet
93
98
Growthrevenue & earnings expansion
70
83
Valuevaluation vs sector peers
60
DLO is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
DLO
JKHY
$413mC
FCF
$728mC+
+46.6%A
Rev
+8.4%B
0.12B+
D/E
0.06A-
22.3xB+
P/E
23.8xB+
0.67A-
PEG
2.20C
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
DLO
JKHY
59% below
Price vs fair valuelower is cheaper
36% below
~-7%/yr
Growth the price implies10-yr FCF · lower = less priced in
~-5%/yr
+83%
1-yr DCF upside
+46%
+142%
5-yr DCF upside
+56%
+265%
10-yr DCF upside
+72%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
DLO
Why this score
- Durable high returns
- Diluting shareholders
JKHY
Why this score
- Buying back stock
- Raising its dividend
- Durable high returns
The companies
DLODLocal Limited
Why now
Software - Infrastructure · market cap $4.5b. 10% off the 52-week high of $16.78. Revenue growing +47% — in hypergrowth territory. PEG 0.67 — paying under fair value for the growth rate. 10 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $18.40 (implying +21% upside).
Moat
Net margin 18% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 35% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. Free cash flow runs well ahead of reported net income — non-cash charges (depreciation, intangible amortization) are holding down GAAP earnings while cash generation stays strong.
Risk
Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
JKHYJack Henry & Associates, Inc.
Why now
Information Technology Services · market cap $11.8b. 14% off the 52-week high of $193.39. 14 sell-side analysts rate this a Buy with a mean 1-yr target of $188.43 (implying +13% upside).
Moat
Net margin 21% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 24% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 140% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Mature compounder — the risk is paying up for quality at a moment when growth is decelerating. Watch for sequential revenue + margin trends; the inflection from "compounder" to "ex-compounder" is hard to spot until the multiple already started compressing.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Where DLO and JKHY diverge
On the headline score the gap is 15.6 points in favor of DLO. They get there differently, though — each leads on a different pillar, so the better pick depends on which you weight.
- GrowthDLO 98.4 · JKHY 70.2DLO +28.2
- ValueDLO 83.1 · JKHY 59.8DLO +23.3
- QualityDLO 84.9 · JKHY 92.8JKHY +7.9
Pillars run 0–100 against sector peers, so a score is a statement about a company relative to its own industry rather than to the other name here. A wide Value gap usually means the market already prices the difference in quality or growth — which is the trade-off this comparison comes down to.