Verdict: Side-by-side breakdown using the Bull Rankings model. EEFT scored 70.9, DLO scored 87.2 — 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.
EEFT
Euronet Worldwide, Inc.
Software - Infrastructure · Quality-Growth
70.9
$64.60 · $2.4B
fundamentals as of
Score gap
16.3
DLO leads
DLO
DLocal Limited
Software - Infrastructure · Quality-Growth
87.2
$15.23 · $4.5B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
CheapestEEFT10.3x
Fastest growthDLO+46.6%
Strongest balance sheetDLO0.12
Highest qualityDLO84 / 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)
EEFT
stronger →← stronger
DLO
65
Qualityreturns · margins · balance sheet
84
65
Growthrevenue & earnings expansion
96
84
Valuevaluation vs sector peers
82
DLO is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
EEFT
DLO
$269mC
FCF
$413mC
+6.4%C+
Rev
+46.6%A
2.25D
D/E
0.12B+
10.3xA
P/E
22.4xB+
0.41A
PEG
0.65A-
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
EEFT
DLO
55% below
Price vs fair valuelower is cheaper
59% below
~-11%/yr
Growth the price impliesyr-1 FCF growth, fading to 4% · lower = less priced in
~-7%/yr
+102%
1-yr DCF upside
+89%
+122%
5-yr DCF upside
+147%
+157%
10-yr DCF upside
+267%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
EEFT
Why this score
Buying back stock
Durable high returns
DLO
Why this score
Durable high returns
Diluting shareholders
The companies
EEFTEuronet Worldwide, Inc.
Software - Infrastructure · $64.60 · beta 0.84
Why now
Software - Infrastructure · market cap $2.4b. Down 28% from 52-week high of $89.44 — deep drawdown territory. PEG 0.41 — paying under fair value for the growth rate. 6 sell-side analysts rate this a Buy with a mean 1-yr target of $84.67 (implying +31% upside).
Moat
ROE 22% is above 15% — 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.
DLODLocal Limited
Software - Infrastructure · $15.23 · beta 0.84
Why now
Software - Infrastructure · market cap $4.5b. 9% off the 52-week high of $16.78. Revenue growing +47% — in hypergrowth territory. PEG 0.65 — paying under fair value for the growth rate. 10 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $18.80 (implying +23% 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, mostly because of cash released from working capital ($165m) — a release that doesn't repeat every year the way earnings can.
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.
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 EEFT and DLO diverge
On the headline score the gap is 16.3 points in favor of DLO. The widest single difference is Growth, where DLO leads by 31.3 points.
GrowthEEFT 65.0 · DLO 96.3DLO +31.3
QualityEEFT 65.2 · DLO 84.5DLO +19.3
ValueEEFT 84.0 · DLO 81.6level
Pillars run 0–100. Value is judged against each company's own sector, so a Value 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.
Common questions
Is DLO or EEFT the better stock?
DLO scores higher: DLO 87.2, EEFT 70.9 out of 100 on the Bull Rankings quality-growth score, which blends business quality, growth and valuation into one number. A higher score means a stronger business at a more reasonable price — it is not a price target or a recommendation.
Where do DLO and EEFT differ most?
The widest gap is growth, where DLO leads by 31 points on the 0–100 pillar scale. DLO also leads quality, while value is effectively level between them.
How are DLO and EEFT scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.