DLO vs EVTC

For growth investors, DLocal Limited (DLO) is the stronger pick with 14.

7% revenue growth year-over-year, versus 10. 2% for EVERTEC, Inc. (EVTC). EVERTEC, Inc. (EVTC) offers the better valuation at 10. 9x trailing P/E (6. 1x forward), making it the more compelling value choice. Analysts rate DLocal Limited (DLO) a "Buy" — based on 13 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, EVERTEC, Inc.

(EVTC) is the cheapest at 10. 9x versus DLocal Limited at 35. 1x. On forward P/E, EVERTEC, Inc. is actually cheaper at 6. 1x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: DLocal Limited wins at 0. 33x versus EVERTEC, Inc. 's 0. 68x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, EVERTEC, Inc.

(EVTC) delivered a total return of -41. 8%, compared to -56. 1% for DLocal Limited (DLO). Over 10 years, the gap is even starker: EVTC returned +94. 4% versus DLO's -56. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), EVERTEC, Inc.

(EVTC) is the lower-risk stock at 0. 77β versus DLocal Limited's 1. 75β — meaning DLO is approximately 127% more volatile than EVTC relative to the S&P 500. On balance sheet safety, DLocal Limited (DLO) carries a lower debt/equity ratio of 11% versus 158% for EVERTEC, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), DLocal Limited (DLO) is pulling ahead at 14.

7% versus 10. 2% for EVERTEC, Inc. (EVTC). On earnings-per-share growth, the picture is similar: EVERTEC, Inc. grew EPS 27. 2% year-over-year, compared to -20. 4% for DLocal Limited. Over a 3-year CAGR, DLO leads at 45. 1% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

DLocal Limited (DLO) is the more profitable company, earning 16.

1% net margin versus 15. 2% for EVERTEC, Inc. — meaning it keeps 16. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: EVTC leads at 20. 0% versus 18. 8% for DLO. At the gross margin level — before operating expenses — EVTC leads at 49. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, DLocal Limited (DLO) is the more undervalued stock at a PEG of 0. 33x versus EVERTEC, Inc. 's 0. 68x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, EVERTEC, Inc. (EVTC) trades at 6. 1x forward P/E versus 16. 1x for DLocal Limited — 10. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for EVTC: 41. 6% to $34. 00.

In this comparison, EVTC (0.

8% yield) pays a dividend. DLO does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, EVERTEC, Inc.

(EVTC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 77), 0. 8% yield). DLocal Limited (DLO) carries a higher beta of 1. 75 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (EVTC: +94. 4%, DLO: -56. 1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: DLO is a small-cap quality compounder stock; EVTC is a small-cap deep-value stock. EVTC pays a dividend while DLO does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.