WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Palo Alto Networks Inc generates 805% more annual revenue ($9.89B vs $1.09B). DLO leads profitability with a 18.0% profit margin vs 13.0%. DLO trades at a lower P/E of 19.9x. DLO earns a higher WallStSmart Score of 65/100 (B-).

DLO

Strong Buy

65

out of 100

Grade: B-

Growth: 10.0Profit: 8.5Value: 8.3Quality: 7.0
Piotroski: 3/9Altman Z: 3.00

PANW

Buy

58

out of 100

Grade: C

Growth: 8.0Profit: 7.0Value: 2.0Quality: 5.0
Piotroski: 1/9Altman Z: 1.02
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DLOUndervalued (+57.9%)

Margin of Safety

+57.9%

Fair Value

$30.42

Current Price

$13.02

$17.40 discount

UndervaluedFair: $30.42Overvalued
PANWSignificantly Overvalued (-81.9%)

Margin of Safety

-81.9%

Fair Value

$84.24

Current Price

$153.22

$68.98 premium

UndervaluedFair: $84.24Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DLO5 strengths · Avg: 10.0/10
Return on EquityProfitability
37.2%10/10

Every $100 of equity generates 37 in profit

Revenue GrowthGrowth
65.2%10/10

Revenue surging 65.2% year-over-year

EPS GrowthGrowth
92.5%10/10

Earnings expanding 92.5% YoY

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
3.0010/10

Safe zone — low bankruptcy risk

PANW3 strengths · Avg: 9.7/10
EPS GrowthGrowth
60.5%10/10

Earnings expanding 60.5% YoY

Debt/EquityHealth
0.0410/10

Conservative balance sheet, low leverage

Market CapQuality
$128.28B9/10

Large-cap with strong market position

Areas to Watch

DLO1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PANW4 concerns · Avg: 2.8/10
Price/BookValuation
11.5x4/10

Trading at 11.5x book value

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

PEG RatioValuation
2.962/10

Expensive relative to growth rate

P/E RatioValuation
87.3x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : DLO

The strongest argument for DLO centers on Return on Equity, Revenue Growth, EPS Growth. Profitability is solid with margins at 18.0% and operating margin at 18.6%. Revenue growth of 65.2% demonstrates continued momentum.

Bull Case : PANW

The strongest argument for PANW centers on EPS Growth, Debt/Equity, Market Cap. Revenue growth of 14.9% demonstrates continued momentum.

Bear Case : DLO

The primary concerns for DLO are Piotroski F-Score.

Bear Case : PANW

The primary concerns for PANW are Price/Book, Piotroski F-Score, PEG Ratio. A P/E of 87.3x leaves little room for execution misses.

Key Dynamics to Monitor

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

DLO carries more volatility with a beta of 1.11 — expect wider price swings.

DLO is growing revenue faster at 65.2% — sustainability is the question.

PANW generates stronger free cash flow (470M), providing more financial flexibility.

Bottom Line

DLO scores higher overall (65/100 vs 58/100), backed by strong 18.0% margins and 65.2% revenue growth. Both earn "Strong 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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