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DLO vs FOUR

DLO
DLocal Limited
BULLISH
Price
$12.74
Market Cap
$3.76B
Sector
Technology
AI Confidence
65%
FOUR
Shift4 Payments, Inc.
BEARISH
Price
$45.29
Market Cap
$3.73B
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
DLO
19.6
FOUR
41.94
Forward P/E
DLO
11.65
FOUR
6.79
P/B Ratio
DLO
6.6
FOUR
6.26
P/S Ratio
DLO
3.44
FOUR
0.89
EV/EBITDA
DLO
13.37
FOUR
11.25

Profitability

Gross Margin
DLO
36.83%
FOUR
34.16%
Operating Margin
DLO
18.56%
FOUR
10.52%
Profit Margin
DLO
18.0%
FOUR
2.85%
ROE
DLO
37.21%
FOUR
9.88%
ROA
DLO
10.13%
FOUR
3.49%

Growth

Revenue Growth
DLO
65.2%
FOUR
33.9%
Earnings Growth
DLO
92.5%
FOUR
-72.2%

Financial Health

Debt/Equity
DLO
0.16
FOUR
2.36
Current Ratio
DLO
1.47
FOUR
1.66
Quick Ratio
DLO
1.41
FOUR
1.3

Dividends

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

AI Verdict

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)
FOUR BEARISH

Shift4 Payments (FOUR) presents a high-risk profile characterized by a mediocre Piotroski F-Score of 4/9 and a severe disconnect between current price ($45.29) and deterministic fair values (Graham: $13.26, Intrinsic: $7.56). While revenue growth remains robust at 33.9%, the company is suffering from a collapse in earnings (-72.2% YoY) and a consistent failure to meet analyst expectations (0/4 beats in the last 4 quarters). The combination of high debt/equity (2.36), bearish insider selling by the CEO, and a crashing technical trend suggests significant fundamental instability despite a low PEG ratio.

Strengths
Strong top-line revenue growth (33.9% YoY)
Attractive PEG ratio (0.32) suggesting growth is undervalued if earnings recover
Low Price-to-Sales ratio (0.89) relative to tech sector peers
Risks
Severe earnings contraction (-72.2% YoY) and negative Q/Q earnings growth
Consistent earnings misses (Average surprise of -28.03% over last 4 quarters)
High leverage with Debt/Equity at 2.36 and explicit 10-K risks regarding debt covenant compliance

Compare Another Pair

DLO vs FOUR: Head-to-Head Comparison

This page compares DLocal Limited (DLO) and Shift4 Payments, Inc. (FOUR) 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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