COMPARE · Data as of August 21, 2026
DLO vs EEFT
Verdict: Side-by-side breakdown using the Bull Rankings model. DLO scored 88.6, EEFT scored 76.2 — DLO leads.
Compare another set
Different reporting periods. EEFT's fundamentals are as of June 2026, but DLO's are as of December 2025 — a 6-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
12.4
DLO leads
EEFT
Euronet Worldwide, Inc.
76.2
$70.07 · $2.6B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestEEFT11.1x
- Fastest growthDLO+46.6%
- Strongest balance sheetDLO0.12
- Highest qualityDLO85 / 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
EEFT
85
Qualityreturns · margins · balance sheet
65
98
Growthrevenue & earnings expansion
72
83
Valuevaluation vs sector peers
94
DLO is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
DLO
EEFT
$413mC
FCF
$269mC
+46.6%A
Rev
+6.4%C+
0.12B+
D/E
2.25D
22.3xB+
P/E
11.1xA
0.67A-
PEG
0.50A
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
EEFT
59% below
Price vs fair valuelower is cheaper
53% below
~-7%/yr
Growth the price implies10-yr FCF · lower = less priced in
~-10%/yr
+83%
1-yr DCF upside
+89%
+142%
5-yr DCF upside
+111%
+265%
10-yr DCF upside
+150%
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
EEFT
Why this score
- Buying back stock
- 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.
EEFTEuronet Worldwide, Inc.
Why now
Software - Infrastructure · market cap $2.6b. Down 29% from 52-week high of $98.48 — deep drawdown territory. PEG 0.50 — paying under fair value for the growth rate. 6 sell-side analysts rate this a Buy with a mean 1-yr target of $87.50 (implying +25% upside).
Moat
ROE 22% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Software economics — recurring revenue, embedded customer workflows, and high gross margin all compound the moat once a base account is won. Switching costs are the lever.
Risk
D/E 2.25 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Customer concentration — many software businesses depend on a handful of enterprise accounts; the loss of one $10M+ contract can swing the next quarter's growth narrative.
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 EEFT diverge
On the headline score the gap is 12.4 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 · EEFT 72.3DLO +26.1
- QualityDLO 84.9 · EEFT 65.0DLO +19.9
- ValueDLO 83.1 · EEFT 94.1EEFT +11.0
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.