DLocal Limited (DLO) vs Teradata Corporation (TDC)

DLocal Limited and Teradata Corporation are both Software Infrastructure companies. DLocal Limited is the larger, with a market value of $3.7B against $3.1B — 1.2× the size. Teradata Corporation trades at the lower P/E: 6.9× against 18.9×. DLocal Limited grew revenue faster over the last twelve months: 57.0% against 0.96%. Teradata Corporation has the higher net margin (27.1% vs 15.0%) and the higher return on invested capital (35.4% vs 0.00%). Across the 22 metrics below, Teradata Corporation leads on 13 and DLocal Limited on 9.

Valuation

Metric DLO TDC Software Infrastructure median
P/E 18.86 6.89 26.15
P/S 2.80 1.88 2.87
P/B 7.03 5.36 2.94
Price to free cash flow 9.79 4.33 17.26
EV/EBITDA 11.24 12.76 15.00
EV/Sales 2.21 1.67 2.95
Earnings yield 5.30% 14.52% 0.00%
Free cash flow yield 10.22% 23.11% 0.39%

Profitability

Metric DLO TDC Software Infrastructure median
Gross margin 34.28% 60.79% 59.21%
Operating margin 17.35% 7.51% 0.00%
Net margin 15.04% 27.08% 0.00%
Free cash flow margin 28.65% 43.41% 0.00%
Return on equity 41.26% 119.12% 0.00%
Return on assets 11.95% 26.98% 0.00%
Return on invested capital 0.00% 35.44% 0.00%

Growth

Metric DLO TDC Software Infrastructure median
Revenue growth (TTM) 57.03% 0.96% 13.57%
EPS growth (last fiscal year) 66.67% 16.38% 20.22%
Revenue growth, 5-year CAGR 60.05% (1.96%) 16.02%
Net income growth, 5-year CAGR 47.50% 0.15% 0.00%

Health

Metric DLO TDC Software Infrastructure median
Debt to equity 0.00 0.08 0.02
Current ratio 1.25 0.91 1.54
Net debt to EBITDA (3.32) 0.03 0.05

Dividend

Metric DLO TDC Software Infrastructure median
Dividend yield 1.49% — 1.09%
Payout ratio 0.29 — 0.30

Size

Metric DLO TDC Software Infrastructure median
Market cap 3.72b 3.13b 655.75m

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