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ACIW vs DLO

ACIW
ACI Worldwide, Inc.
BEARISH
Price
$39.77
Market Cap
$4.1B
Sector
Technology
AI Confidence
85%
DLO
DLocal Limited
BULLISH
Price
$12.74
Market Cap
$3.76B
Sector
Technology
AI Confidence
65%

Valuation

P/E Ratio
ACIW
18.41
DLO
19.6
Forward P/E
ACIW
10.5
DLO
11.65
P/B Ratio
ACIW
2.69
DLO
6.6
P/S Ratio
ACIW
2.33
DLO
3.44
EV/EBITDA
ACIW
12.65
DLO
13.37

Profitability

Gross Margin
ACIW
48.99%
DLO
36.83%
Operating Margin
ACIW
23.14%
DLO
18.56%
Profit Margin
ACIW
12.88%
DLO
18.0%
ROE
ACIW
15.4%
DLO
37.21%
ROA
ACIW
6.91%
DLO
10.13%

Growth

Revenue Growth
ACIW
6.3%
DLO
65.2%
Earnings Growth
ACIW
-33.3%
DLO
92.5%

Financial Health

Debt/Equity
ACIW
0.57
DLO
0.16
Current Ratio
ACIW
1.54
DLO
1.47
Quick Ratio
ACIW
0.91
DLO
1.41

Dividends

Dividend Yield
ACIW
--
DLO
1.52%
Payout Ratio
ACIW
0.0%
DLO
0.0%

AI Verdict

ACIW BEARISH

ACIW's Piotroski F-Score of 4/9 indicates weak financial health, signaling deterioration in operational efficiency and profitability trends. The company trades at a premium to its Graham Number ($26.81) and intrinsic value ($15.12), suggesting overvaluation despite solid gross margins and ROE. Recent earnings have declined sharply year-over-year (-33.3%) and quarter-over-quarter (-34.7%), with a negative EPS trend and inconsistent beat rates. Insider selling activity, though limited, adds bearish sentiment. Despite strong analyst consensus (strong_buy), technical trends remain bearish and price has underperformed over the past year.

Strengths
Strong gross margin of 48.99% indicates pricing power and cost control
Healthy operating margin of 23.14% reflects efficient core operations
ROE of 15.40% demonstrates effective use of shareholder equity
Risks
Piotroski F-Score of 4/9 signals weak financial health and declining profitability trends
Sharp earnings decline of -33.3% YoY and -34.7% Q/Q raises sustainability concerns
Insider selling activity (1 transaction, $0.20M) indicates potential internal skepticism
DLO BULLISH

DLO shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong revenue growth of 65.2%
Low debt with D/E ratio of 0.16
Strong ROE of 37.2%
Risks
Premium vs Graham Number ($5.31)

Compare Another Pair

ACIW vs DLO: Head-to-Head Comparison

This page compares ACI Worldwide, Inc. (ACIW) and DLocal Limited (DLO) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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