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Stock comparison · Signal date 2026-11-06

DLO vs PAY: stock comparison and AI forecast

Dlocal Ltd (DLO) and Paymentus Holdings, Inc. (PAY) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market

Share
Nasdaq · Services-Business Services, NEC

DLO Dlocal Ltd

Market Cap
$3.96B
P/E Ratio
–
Size
mid-cap
AI Forecast
Full analysis →
NYSE · Services-Business Services, NEC

PAY Paymentus Holdings, Inc.

Price
$33.38 +19.9% · 6M
Market Cap
$4.20B
P/E Ratio
56.6x
Size
mid-cap
AI Forecast
Full analysis →
Model output

Which one does the AI model favor?

Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.

DLO · PAY

Key facts

  • DLO and PAY have similar market capitalizations ($3.96B and $4.20B).
  • DLO carries 1.71 times debt per unit of equity, against 0.19 times for PAY.
  • Both companies share the SEC industry classification Services-Business Services, NEC.
Fundamentals

Fundamentals side by side

Trailing twelve months.

Valuation & Market

MetricDLOPAY
Market Cap$3.96B$4.20B
P/E Ratio–56.58x
P/B Ratio–6.54x
EPS–$0.59
Book Value/Share–$5.11
Revenue/Share–$11.29
FCF/Share–$1.33

Profitability & Margins

MetricDLOPAY
ROE–14.7%
ROA–12.4%
ROIC–17.9%
Gross Margin–25.2%
Operating Margin–8.2%
Net Margin–6.7%
EBT Margin–9.0%
Tax Rate–26.1%

Financial Health

MetricDLOPAY
Current Ratio1.47x4.82x
D/E Ratio1.71x0.19x
Financial Leverage2.71x1.19x
Working Capital$455M$423M

Cash Flow

MetricDLOPAY
Operating Cash Flow–$168M
Free Cash Flow–$168M
Capital Spending–-$450K
OCF Growth YoY–16.0%
FCF Growth YoY–15.9%
FCF/Sales–11.8%
CapEx/Sales–0.0%

Operational Efficiency

MetricDLOPAY
Asset Turnover–1.86x
Fixed Assets Turnover–616.6x
Payables Period–26 days

Income Statement

MetricDLOPAY
Total Revenue–$1.42B
Operating Income–$117M
Net Income–$95M
R&D Expense–$63M
SG&A Expense–$230M
Cost of Goods Sold–$1.06B

Dividend & Shareholder Information

MetricDLOPAY
Shares Outstanding295M126M
Net Income Growth–59.2%
EPS Growth–55.3%
FAQ

DLO vs PAY: stock comparison and AI forecast

Which is bigger, DLO or PAY?

DLO and PAY have similar market capitalizations ($3.96B and $4.20B).

Which one does Intratio's AI model rank higher, DLO or PAY?

Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.

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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.