Sifting through countless of stocks in the Financial Services industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in DLocal Limited, Shift4 Payments or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how DLocal Limited, Shift4 Payments and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About DLocal Limited, Shift4 Payments and Inc.

DLocal Limited, together with its subsidiaries, operates a payment processing platform worldwide. The company offers a robust pay-in solution that allows businesses to get paid for their products and services through various payment methods, including international and local cards, online bank transfers, direct debit, cash, and hundreds of alternative payment methods (APMs). It also provides a pay-out solution used by merchants to scale their pay-out operations. In addition, the company offers dLocal for Platforms, an end-to-end payment solution that provides a range of services to help platforms manage global payments. It serves its products to the commerce, streaming, ride-hailing, financial services, remittances, advertising, SaaS, travel, e-learning, on-demand delivery, gaming, and crypto industries. The company was founded in 2016 and is headquartered in Montevideo, Uruguay.

Shift4 Payments, Inc. engages in the provision of software and payment processing solutions in the United States and internationally. The company offers payments platform, which provides omni channel card acceptance; and processing solutions across multiple payment types, including credit, debit, contactless card, Europay, MasterCard and Visa, QR Pay, and mobile wallets, as well as alternative payment methods, such as Apple Pay, Google Pay, Alipay, and WeChat Pay. It provides technology solutions, such as SkyTab POS, which provides purpose-built POS workstations; SkyTab Mobile, which provides pay-at-the-table, order-at-the-table, delivery, customer feedback, and email marketing solutions; SkyTab Venue, which provides mobile ordering, countertop POS, self-service kiosk, and digital wallet solutions; Lighthouse, a cloud-based suite of business intelligence tools that includes customer engagement, social media management, online reputation management, scheduling and product pricing, as well as extensive reporting and analytics; The Giving Block, a cryptocurrency donation marketplace; Shift4Shop, an ecommerce platform that creates a webstore and tools to manage product catalog, order fulfillment and inventory management, search engine optimization, and secure hosting; and Marketplace that enables integrations into third-party applications, as well as loyalty and inventory management. In addition, the company provides merchant operations and support services, including underwriting, onboarding, and activation; training; risk management; and support. It also provides software partner operations and support services, including software integrations and compliance management; partner support; and partner services. The company distributes its products through independent software vendors, internal sales and support network, enterprises, and value-added resellers. The company was founded in 1999 and is headquartered in Center Valley, Pennsylvania.

Latest Financial Services and DLocal Limited, Shift4 Payments, Inc. Stock News

As of December 12, 2025, DLocal Limited had a $4.2 billion market capitalization, compared to the Financial Services median of $2.1 million. DLocal Limited’s stock is up 25.5% in 2025, up 6.3% in the previous five trading days and up 19.54% in the past year.

Currently, DLocal Limited’s price-earnings ratio is 25.2. DLocal Limited’s trailing 12-month revenue is $960.2 million with a 17.8% net profit margin. Year-over-year quarterly sales growth most recently was 52.0%. Analysts expect adjusted earnings to reach $0.708 per share for the current fiscal year. DLocal Limited does not currently pay a dividend.

As of December 12, 2025, Shift4 Payments, Inc. had a $4.7 billion market cap, putting it in the 68th percentile of all stocks. Shift4 Payments, Inc.’s stock is down 33.8% in 2025, down 0.2% in the previous five trading days and down 30.22% in the past year.

Currently, Shift4 Payments, Inc.’s price-earnings ratio is 32.0. Shift4 Payments, Inc.’s trailing 12-month revenue is $3.9 billion with a 5.0% net profit margin. Year-over-year quarterly sales growth most recently was 29.4%. Analysts expect adjusted earnings to reach $5.229 per share for the current fiscal year. Shift4 Payments, Inc. does not currently pay a dividend.

How We Compare DLocal Limited, Shift4 Payments and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at DLocal Limited, Shift4 Payments and Inc.’s stock grades to see how they measure up against one another.

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DLocal Limited, Shift4 Payments and Inc. Stock Value Grades

Company	Ticker	Value
DLocal Limited	DLO	D
Shift4 Payments, Inc.	FOUR	D

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

DLocal Limited has a Value Score of 21, which is Expensive. Shift4 Payments, Inc. has a Value Score of 38, which is Expensive.

The Value Stock Winner: No Clear Winner

Neither DLocal Limited, Shift4 Payments or Inc. has a high enough value grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolio. It’s important to look at a wide range of financial metrics in order to determine if DLocal Limited, Shift4 Payments or Inc. is the better investment when it comes to value.

DLocal Limited, Shift4 Payments and Inc. Growth Grades

Company	Ticker	Growth
DLocal Limited	DLO	C
Shift4 Payments, Inc.	FOUR	B

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

DLocal Limited has a Growth Score of 41, which is Average. Shift4 Payments, Inc. has a Growth Score of 70, which is Strong.

The Growth Grade Winner: Shift4 Payments, Inc.

As you can clearly see from the Growth Grade breakdown above, Shift4 Payments, Inc. has a more attractive growth grade than DLocal Limited. For investors who focus solely on how a company is growing relative to other companies in the same industry, Shift4 Payments, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

DLocal Limited, Shift4 Payments and Inc.’s Quality Grades

Company	Ticker	Quality
DLocal Limited	DLO	B
Shift4 Payments, Inc.	FOUR	C

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

DLocal Limited has a Quality Score of 70, which is Strong. Shift4 Payments, Inc. has a Quality Score of 48, which is Average.

The Quality Grade Winner: DLocal Limited

As you can clearly see from the Quality Grade breakdown above, DLocal Limited has a better overall quality grade than Shift4 Payments, Inc.. For investors who are looking for companies with higher quality than others in the same industry, DLocal Limited could be a good stock to add to their portfolios. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other DLocal Limited, Shift4 Payments and Inc. Grades

In addition to Value, Growth and Quality, A+ Investor also provides grades for Momentum and Estimate Revisions.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

Earnings estimate revisions scores take into account the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, surprises beget further surprises‐or at least continued sales growth (the exact opposite is generally true, too).

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether DLocal Limited, Shift4 Payments and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, DLocal Limited, Shift4 Payments or Inc. Stock?

Overall, DLocal Limited stock has a Value Score of 21, Growth Score of 41 and Quality Score of 70.

Shift4 Payments, Inc. stock has a Value Score of 38, Growth Score of 70 and Quality Score of 48.

Comparing DLocal Limited, Shift4 Payments and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.