dLocal vs Paymentus
DLO and PAY side by side, both in miscellaneous business services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How DLO and PAY compare
dLocal grew revenue faster over the last twelve months (46.6% versus 26.5% for Paymentus).
dLocal keeps more of each dollar of sales as profit, with a net margin of 18.0% compared with 6.7% at Paymentus.
Paymentus scores higher on the StockData Score (18 against 11 for dLocal), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | DLO | PAY |
|---|---|---|
| Size and price | ||
| Market cap | – | $4.3B |
| Share price | $13.96 | $34.01 |
| Change, 1 year | −1.4% | −10.0% |
| Change, 5 years | −62.3% | 11.0% |
| Beta (5Y) | 1.66 | 1.43 |
| Employees | 371 | 1,340 |
| StockData Score | ||
| Total score | 11 | 18 (better) |
| Valuation score | 0 | 2 (better) |
| Growth score | 5 | 5 |
| Performance score | 4 | 5 (better) |
| Health score | 2 | 6 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | – | 46.6× |
| P/S | – | 3.0× |
| P/B | – | 6.7× |
| EV/EBITDA | – | 28.3× |
| P/FCF | – | 25.6× |
| FCF yield | – | 3.9% |
| Fair value | – | $32.55 |
| Margin of safety | – | −4.5% |
| Growth | ||
| Revenue growth (TTM) | 46.6% (better) | 26.5% |
| Revenue growth, 5Y average | 60.0% (better) | 31.7% |
| Net income growth (TTM) | 63.4% (better) | 59.2% |
| EPS growth (TTM) | 66.7% (better) | 58.7% |
| EPS growth, 5Y average | 45.4% | 45.4% |
| Profitability | ||
| Gross margin | 36.8% (better) | 25.2% |
| Operating margin | 20.1% (better) | 8.2% |
| Net margin | 18.0% (better) | 6.7% |
| FCF margin | 37.8% (better) | 11.8% |
| Return on equity | 38.2% (better) | 16.0% |
| Return on invested capital | – | 35.8% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Interest coverage | 7.9× | – |
| Current ratio | 1.25 | 4.82 (better) |
| Altman Z-score | – | 24.77 |
| Piotroski F-score | 7 | 7 |
| Dividends and buybacks | ||
| Payout ratio | 76.2% | – |
| Shareholder yield | – | 0.00% |
| Ownership | ||
| Held by institutions | 39.9% | 44.9% |
| Held by insiders | 48.2% | 84.1% |
| Insider net buying, 12 months | −$16.0M | −$7.1M (better) |
| Short interest, % of float | 10.8% | 10.9% |
Go deeper
- DLO stock overview
- DLO income statement
- DLO valuation and score
- PAY stock overview
- PAY income statement
- PAY valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.