DLocal (DLO) vs Paymentus (PAY)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
DLocal (DLO) has outperformed Paymentus (PAY) over the past year, gaining 4.4% versus a loss of 3.1%. Over five years, PAY leads with a +30.3% price change compared with -75.9% for DLO. DLocal is the larger company by market cap ($4.42 billion vs $3.93 billion), about 1.1 times the size.
On valuation, DLocal trades at a lower forward P/E (13.1x vs 28.6x for Paymentus). DLocal pays a dividend yielding 1.29%, while Paymentus does not currently pay one. DLocal converts more of its revenue into profit, with a net margin of 18.0% versus 5.6%.
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 | DLO | PAY |
|---|---|---|
| Share price | $15.04 | $31.19 |
| Market cap | $4.42B | $3.93B |
| 1-day change | +1.79% | -0.42% |
| YTD return | +4.46% | -0.85% |
| 1-year return | +4.38% | -3.12% |
| 5-year return | -75.90% | +30.28% |
| P/E ratio (TTM) | 22.11 | 47.26 |
| Forward P/E | 13.15 | 28.59 |
| EPS (TTM) | $0.68 | $0.66 |
| Dividend yield | 1.29% | 0.00% |
| Annual dividend | $0.194 | $0.00 |
| Revenue (latest FY) | $1.09B | $1.20B |
| Revenue growth (YoY) | +46.60% | +37.25% |
| Net income (latest FY) | $196.80M | $66.94M |
| Gross margin | 36.83% | 24.77% |
| Operating margin | 20.11% | 6.31% |
| Net margin | 18.00% | 5.59% |
| 52-week high | $16.78 | $45.31 |
| 52-week low | $10.64 | $20.11 |
| Distance from 52-week high | -10.40% | -31.16% |
| Analyst consensus | strong_buy | buy |
| Avg. price target upside | +25.04% | +28.70% |
| Average volume | 1.99M | 1.16M |
| Shares outstanding | 178.04M | 63.11M |
| Employees | 1,274 | 1,340 |
| 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
- Paymentus trades at a higher earnings multiple (47.3x vs 22.1x trailing P/E).
- DLocal offers a meaningfully higher dividend yield (1.29% vs 0.00%).
- DLocal is more profitable, keeping 18.0 cents of every revenue dollar as net income versus 5.6 cents for Paymentus.
- DLocal grew revenue faster in its latest fiscal year (+46.60% vs +37.25%).
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
About Paymentus
PAY stock →Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions in the United States and internationally.
Consumer Discretionary · Business Services · 1,340 employees
DLO vs PAY FAQ
Which is bigger, DLocal or Paymentus?
DLocal (DLO) is larger, with a market capitalization of $4.42B compared with $3.93B for Paymentus (PAY).
Which stock has performed better over the past year, DLO or PAY?
DLO returned +4.38% over the past 12 months, compared with -3.12% for PAY (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, DLO or PAY?
DLO has the lower trailing P/E at 22.1, versus 47.3 for PAY. 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, DLocal or Paymentus?
DLocal pays a dividend yielding 1.29%, while Paymentus does not currently pay a regular dividend.
Are DLocal and Paymentus in the same industry?
Yes. Both are classified in the Business Services industry within the Consumer Discretionary sector.