WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Palo Alto Networks Inc generates 775% more annual revenue ($10.61B vs $1.21B). DLO leads profitability with a 15.9% profit margin vs 8.0%. DLO trades at a lower P/E of 22.6x. DLO earns a higher WallStSmart Score of 55/100 (C).

DLO

Buy

55

out of 100

Grade: C

Growth: 7.3Profit: 8.5Value: 7.0Quality: 7.0
Piotroski: 4/9Altman Z: 2.39

PANW

Hold

47

out of 100

Grade: D+

Growth: 9.3Profit: 3.5Value: 4.7Quality: 4.5
Piotroski: 1/9Altman Z: 1.02
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DLOUndervalued (+79.7%)

Margin of Safety

+79.7%

Fair Value

$63.29

Current Price

$14.59

$48.70 discount

UndervaluedFair: $63.29Overvalued
PANWUndervalued (+32.8%)

Margin of Safety

+32.8%

Fair Value

$467.52

Current Price

$314.15

$153.37 discount

UndervaluedFair: $467.52Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DLO3 strengths · Avg: 10.0/10
Return on EquityProfitability
34.7%10/10

Every $100 of equity generates 35 in profit

Revenue GrowthGrowth
54.9%10/10

Revenue surging 54.9% year-over-year

Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

PANW4 strengths · Avg: 10.0/10
Market CapQuality
$273.25B10/10

Mega-cap, among the largest globally

Revenue GrowthGrowth
31.1%10/10

Revenue surging 31.1% year-over-year

EPS GrowthGrowth
60.5%10/10

Earnings expanding 60.5% YoY

Debt/EquityHealth
0.0710/10

Conservative balance sheet, low leverage

Areas to Watch

DLO1 concerns · Avg: 2.0/10
EPS GrowthGrowth
-6.7%2/10

Earnings declined 6.7%

PANW4 concerns · Avg: 3.3/10
Price/BookValuation
9.2x4/10

Trading at 9.2x book value

Return on EquityProfitability
3.0%3/10

ROE of 3.0% — below average capital efficiency

Profit MarginProfitability
8.0%3/10

8.0% margin — thin

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : DLO

The strongest argument for DLO centers on Return on Equity, Revenue Growth, Debt/Equity. Profitability is solid with margins at 15.9% and operating margin at 15.7%. Revenue growth of 54.9% demonstrates continued momentum.

Bull Case : PANW

The strongest argument for PANW centers on Market Cap, Revenue Growth, EPS Growth. Revenue growth of 31.1% demonstrates continued momentum.

Bear Case : DLO

The primary concerns for DLO are EPS Growth.

Bear Case : PANW

The primary concerns for PANW are Price/Book, Return on Equity, Profit Margin. A P/E of 294.1x leaves little room for execution misses.

Key Dynamics to Monitor

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

DLO carries more volatility with a beta of 0.94 — expect wider price swings.

DLO is growing revenue faster at 54.9% — sustainability is the question.

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

Bottom Line

DLO scores higher overall (55/100 vs 47/100), backed by strong 15.9% margins and 54.9% revenue growth. PANW offers better value entry with a 32.8% margin of safety. Both earn "Buy" and "Hold" 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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