Bread Financial (BFH) vs DLocal (DLO)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Bread Financial (BFH) has outperformed DLocal (DLO) over the past year, gaining 76.2% versus a gain of 4.4%. Over five years, BFH leads with a +22.5% price change compared with -75.9% for DLO. DLocal is the larger company by market cap ($4.35 billion vs $3.75 billion), about 1.2 times the size.
On valuation, Bread Financial trades at a lower forward P/E (7.1x vs 12.9x for DLocal). DLocal offers the higher dividend yield (1.31% vs 0.92%). DLocal converts more of its revenue into profit, with a net margin of 18.0% versus 13.5%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | BFH | DLO |
|---|---|---|
| Share price | $97.64 | $14.77 |
| Market cap | $3.75B | $4.35B |
| 1-day change | -0.16% | +1.65% |
| YTD return | +31.89% | +4.46% |
| 1-year return | +76.18% | +4.38% |
| 5-year return | +22.45% | -75.90% |
| P/E ratio (TTM) | 7.57 | 21.72 |
| Forward P/E | 7.12 | 12.91 |
| EPS (TTM) | $12.90 | $0.68 |
| Dividend yield | 0.92% | 1.31% |
| Annual dividend | $0.90 | $0.194 |
| Revenue (latest FY) | $3.85B | $1.09B |
| Revenue growth (YoY) | +0.18% | +46.60% |
| Net income (latest FY) | $518.00M | $196.80M |
| Gross margin | — | 36.83% |
| Operating margin | — | 20.11% |
| Net margin | 13.47% | 18.00% |
| 52-week high | $114.53 | $16.78 |
| 52-week low | $53.83 | $10.64 |
| Distance from 52-week high | -14.75% | -11.98% |
| Analyst consensus | buy | strong_buy |
| Avg. price target upside | +17.78% | +27.29% |
| Average volume | 557.96K | 1.99M |
| Shares outstanding | 38.42M | 178.04M |
| Employees | 6,000 | 1,274 |
| Sector | Consumer Discretionary | Consumer Discretionary |
| Industry | Business Services | Business Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- BFH has outperformed DLO by 71.8 percentage points over the past year.
- DLocal trades at a higher earnings multiple (21.7x vs 7.6x trailing P/E).
- DLocal grew revenue faster in its latest fiscal year (+46.60% vs +0.18%).
About Bread Financial
BFH stock →Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America.
Consumer Discretionary · Business Services · 6,000 employees
About DLocal
DLO stock →DLocal Limited, together with its subsidiaries, provides payment processing services worldwide. The company offers a robust pay-in solution to help global merchants expand their online presence and receive payments, including international and local cards, online bank transfers, direct debit, cash, and hundreds of alternative payment methods (APMs).
Consumer Discretionary · Business Services · 1,274 employees
BFH vs DLO FAQ
Which is bigger, Bread Financial or DLocal?
DLocal (DLO) is larger, with a market capitalization of $4.35B compared with $3.75B for Bread Financial (BFH).
Which stock has performed better over the past year, BFH or DLO?
BFH returned +76.18% over the past 12 months, compared with +4.38% for DLO (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BFH or DLO?
BFH has the lower trailing P/E at 7.6, versus 21.7 for DLO. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Bread Financial or DLocal?
DLocal has the higher yield at 1.31%, compared with 0.92% for Bread Financial.
Are Bread Financial and DLocal in the same industry?
Yes. Both are classified in the Business Services industry within the Consumer Discretionary sector.