Verdict: Side-by-side breakdown using the Bull Rankings model. JKHY scored 71.7, DLO scored 87.2 — DLO leads.
Compare another set
Different reporting periods. JKHY'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.
JKHY
Jack Henry & Associates, Inc.
Information Technology Services · Quality-Growth
71.7
$149.31 · $10.5B
fundamentals as of
Score gap
15.5
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
CheapestJKHY21.4x
Fastest growthDLO+46.6%
Strongest balance sheetJKHY0.04
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)
JKHY
stronger →← stronger
DLO
93
Qualityreturns · margins · balance sheet
84
65
Growthrevenue & earnings expansion
96
61
Valuevaluation vs sector peers
82
DLO is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
JKHY
DLO
$507mC+
FCF
$413mC
+7.1%B
Rev
+46.6%A
0.04A-
D/E
0.12B+
21.4xB+
P/E
22.4xB+
1.81C+
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
JKHY
DLO
16% below
Price vs fair valuelower is cheaper
59% below
~2%/yr
Growth the price impliesyr-1 FCF growth, fading to 4% · lower = less priced in
~-7%/yr
+13%
1-yr DCF upside
+89%
+19%
5-yr DCF upside
+147%
+29%
10-yr DCF upside
+267%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
JKHY
Why this score
Buying back stock
Raising its dividend
Durable high returns
DLO
Why this score
Durable high returns
Diluting shareholders
The companies
JKHYJack Henry & Associates, Inc.
Information Technology Services · $149.31 · beta 0.56
Why now
Information Technology Services · market cap $10.5b. Down 23% from 52-week high of $193.39 — deep drawdown territory. 18 sell-side analysts rate this a Buy with a mean 1-yr target of $189.72 (implying +27% upside).
Moat
Net margin 20% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 24% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 101% of net income — earnings translate cleanly into cash.
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.
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 JKHY and DLO diverge
On the headline score the gap is 15.5 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.
GrowthJKHY 65.1 · DLO 96.3DLO +31.2
ValueJKHY 60.7 · DLO 81.6DLO +20.9
QualityJKHY 93.2 · DLO 84.5JKHY +8.7
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 JKHY the better stock?
DLO scores higher: DLO 87.2, JKHY 71.7 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 JKHY differ most?
The widest gap is growth, where DLO leads by 31 points on the 0–100 pillar scale. Neither name sweeps: they trade the lead across the three pillars, so the comparison is a trade-off rather than one being better on every measure.
How are DLO and JKHY 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.