DLocal (NASDAQ:DLO) versus Corpay (NYSE:CPAY) Head to Head Contrast

Corpay (NYSE:CPAY) and DLocal (NASDAQ:DLO) are both business services companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, profitability, valuation, institutional ownership, analyst recommendations, risk and dividends.

Profitability

This table compares Corpay and DLocal’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Corpay	23.62%	37.13%	6.76%
DLocal	17.80%	37.66%	14.84%

Valuation & Earnings

This table compares Corpay and DLocal”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Corpay	$4.53 billion	5.22	$1.07 billion	$15.04	22.45
DLocal	$745.97 million	5.01	$120.42 million	$0.56	21.38

Corpay has higher revenue and earnings than DLocal. DLocal is trading at a lower price-to-earnings ratio than Corpay, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

98.8% of Corpay shares are held by institutional investors. Comparatively, 90.1% of DLocal shares are held by institutional investors. 5.0% of Corpay shares are held by company insiders. Comparatively, 45.4% of DLocal shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Risk and Volatility

Corpay has a beta of 0.82, meaning that its stock price is 18% less volatile than the S&P 500. Comparatively, DLocal has a beta of 1.12, meaning that its stock price is 12% more volatile than the S&P 500.

Analyst Recommendations

This is a summary of current recommendations and price targets for Corpay and DLocal, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Corpay	0	5	10	0	2.67
DLocal	0	4	6	1	2.73

Corpay currently has a consensus price target of $379.79, indicating a potential upside of 12.48%. DLocal has a consensus price target of $16.40, indicating a potential upside of 37.01%. Given DLocal’s stronger consensus rating and higher probable upside, analysts clearly believe DLocal is more favorable than Corpay.

Summary

Corpay beats DLocal on 8 of the 15 factors compared between the two stocks.

About Corpay

Corpay, Inc. operates as a payments company that helps businesses and consumers manage vehicle-related expenses, lodging expenses, and corporate payments in the United States, Brazil, the United Kingdom, and internationally. The company offers vehicle payment solutions, which include fuel, tolls, parking, fleet maintenance, and long-haul transportation services, as well as prepaid food and transportation vouchers and cards. It also provides corporate payment solutions consisting of accounts payable automation; virtual cards, cross-border solutions; and purchasing and travel and entertainment card products, as well as lodging payments solutions for employees who travel overnight for work purposes; traveling crews and stranded passengers from airlines and cruise lines; and insurance policyholders displaced from their homes due to damage or catastrophe. In addition, the company offers gifts and payroll cards. It serves business, merchant, consumer, and payment network customers. The company was formerly known as FLEETCOR Technologies, Inc. and changed its name to Corpay, Inc. in March 2024. Corpay, Inc. was founded in 1986 and is headquartered in Atlanta, Georgia.

About DLocal

DLocal Limited operates a payment processing platform worldwide. The company offers pay-in solution which the business and get paid for their products and services through various payment methods, including international and local cards, online bank transfers and direct debit, cash, and alternative payment methods. It also provides pay-out solution used for merchants to scale pay-out operations. In addition, the company offers dLocal for Platforms, an end-to-end payment solution that offers a range of services to help platforms manage payments. It serves its products to commerce, streaming, ride-hailing, financial services, advertising, SaaS, travel, e-learning, on-demand delivery, and gaming and crypto industries. DLocal Limited was founded in 2016 and is headquartered in Montevideo, Uruguay.