WallStSmart

Dlocal Ltd (DLO)vsPalo Alto Networks Inc (PANW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Palo Alto Networks Inc generates 747% more annual revenue ($11.48B vs $1.36B). DLO leads profitability with a 15.0% profit margin vs 2.7%. DLO trades at a lower P/E of 22.0x. DLO earns a higher WallStSmart Score of 65/100 (C+).

DLO

Buy

65

out of 100

Grade: C+

Growth: 9.3Profit: 8.5Value: 7.0Quality: 7.0
Piotroski: 4/9Altman Z: 2.39

PANW

Buy

51

out of 100

Grade: C-

Growth: 9.3Profit: 4.5Value: 5.3Quality: 4.8
Piotroski: 1/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DLOUndervalued (+81.5%)

Margin of Safety

+81.5%

Fair Value

$69.14

Current Price

$14.86

$54.28 discount

UndervaluedFair: $69.14Overvalued
PANWUndervalued (+34.1%)

Margin of Safety

+34.1%

Fair Value

$501.81

Current Price

$330.65

$171.16 discount

UndervaluedFair: $501.81Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DLO4 strengths · Avg: 9.3/10
Return on EquityProfitability
34.7%10/10

Every $100 of equity generates 35 in profit

Revenue GrowthGrowth
55.8%10/10

Revenue surging 55.8% year-over-year

Debt/EquityHealth
0.129/10

Conservative balance sheet, low leverage

EPS GrowthGrowth
28.6%8/10

Earnings expanding 28.6% YoY

PANW4 strengths · Avg: 10.0/10
Market CapQuality
$270.47B10/10

Mega-cap, among the largest globally

Revenue GrowthGrowth
34.4%10/10

Revenue surging 34.4% year-over-year

EPS GrowthGrowth
60.5%10/10

Earnings expanding 60.5% YoY

Debt/EquityHealth
0.0910/10

Conservative balance sheet, low leverage

Areas to Watch

DLO0 concerns · Avg: 0/10

No major concerns identified

PANW4 concerns · Avg: 3.5/10
PEG RatioValuation
1.734/10

Expensive relative to growth rate

Price/BookValuation
9.8x4/10

Trading at 9.8x book value

Return on EquityProfitability
1.1%3/10

ROE of 1.1% — below average capital efficiency

Profit MarginProfitability
2.7%3/10

2.7% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : DLO

The strongest argument for DLO centers on Return on Equity, Revenue Growth, Debt/Equity. Revenue growth of 55.8% demonstrates continued momentum.

Bull Case : PANW

The strongest argument for PANW centers on Market Cap, Revenue Growth, EPS Growth. Revenue growth of 34.4% demonstrates continued momentum.

Bear Case : DLO

No major red flags identified for DLO, but monitor valuation.

Bear Case : PANW

The primary concerns for PANW are PEG Ratio, Price/Book, Return on Equity. A P/E of 295.2x leaves little room for execution misses. Thin 2.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

DLO profiles as a growth stock while PANW is a hypergrowth play — different risk/reward profiles.

PANW carries more volatility with a beta of 0.91 — expect wider price swings.

DLO is growing revenue faster at 55.8% — sustainability is the question.

PANW generates stronger free cash flow (788M), providing more financial flexibility.

Bottom Line

DLO scores higher overall (65/100 vs 51/100) and 55.8% revenue growth. PANW offers better value entry with a 34.1% margin of safety. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Dlocal Ltd

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

DLocal Limited operates a worldwide payments platform. The company is headquartered in Montevideo, Uruguay.

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Palo Alto Networks Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Palo Alto Networks, Inc. provides cybersecurity platform solutions globally. The company is headquartered in Santa Clara, California.

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