Verdict: Side-by-side breakdown using the Bull Rankings model. FISV scored 54.6, DLO scored 87.2 — DLO leads.
Compare another set
Different reporting periods. FISV'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.
FISV
Fiserv, Inc.
Payments & Fintech Software · Quality-Growth
54.6
$45.63 · $24.3B
fundamentals as of
Score gap
32.6
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
CheapestFISV8.8x
Fastest growthDLO+46.6%
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)
FISV
stronger →← stronger
DLO
74
Qualityreturns · margins · balance sheet
84
39
Growthrevenue & earnings expansion
96
56
Valuevaluation vs sector peers
82
DLO is stronger on 3 of 3 pillars.
Fundamentals, head-to-head
FISV
DLO
$3.9bB
FCF
$413mC
+3.6%C+
Rev
+46.6%A
—
D/E
0.12B+
8.8xA
P/E
22.4xB+
—
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
FISV
DLO
58% below
Price vs fair valuelower is cheaper
59% below
~-17%/yr
Growth the price impliesyr-1 FCF growth, fading to 4% · lower = less priced in
~-7%/yr
+139%
1-yr DCF upside
+89%
+139%
5-yr DCF upside
+147%
+138%
10-yr DCF upside
+267%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
FISV
Why this score
Buying back stock
DLO
Why this score
Durable high returns
Diluting shareholders
The companies
FISVFiserv, Inc.
Payments & Fintech Software · $45.63
Why now
Sector n/a · market cap $24.3b. Down 65% from 52-week high of $128.78 — deep drawdown territory. 25 sell-side analysts rate this a Hold with a mean 1-yr target of $59.04 (implying +29% upside).
Moat
Net margin 13% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 10% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. FCF converts 140% of net income — earnings translate cleanly into cash.
Risk
Down 65% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up.
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 FISV and DLO diverge
On the headline score the gap is 32.6 points in favor of DLO. The widest single difference is Growth, where DLO leads by 57.2 points.
GrowthFISV 39.1 · DLO 96.3DLO +57.2
ValueFISV 56.2 · DLO 81.6DLO +25.4
QualityFISV 73.8 · DLO 84.5DLO +10.7
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 FISV the better stock?
DLO scores higher: DLO 87.2, FISV 54.6 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 FISV differ most?
The widest gap is growth, where DLO leads by 57 points on the 0–100 pillar scale. DLO leads all three pillars, so the gap is broad rather than a single-measure difference.
How are DLO and FISV 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.