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 PagSeguro Digital Ltd. or DLocal Limited 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 PagSeguro Digital Ltd. and DLocal Limited compare based on key financial metrics to determine which better meets your investment needs.

About PagSeguro Digital Ltd. and DLocal Limited

PagSeguro Digital Ltd., together with its subsidiaries, provides financial and payment solutions for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. The company provides digital banking solutions, including bill payments, deposits, top-ups, debt management, direct deposits, pix, tax collections, tax collections, wire transfer, and ATM withdrawal; cards, such as debit, credit, cash, and prepaid cards; and credit products comprising FGTS withdrawals, payroll loans, working capital loans, and overdraft accounts. It offers insurance services, including account, card, home, business, health assistance, life, and credit life insurance; investment services, such as recommendation from our distribution team, financial education, stocks and REITs, investment, PagBank CD, Third-party fixed income, treasury, automatic savings and money boxes; and operates cashback and Shopping PagBank, a marketplace for various brands. In addition, it provides software solutions comprising PagVendas, a POS software app; ClubPag, a marketing tool that allows merchants to advertise across client base, available for POS devices; PlugPag, a wireless solution that connects the machine to the commercial automation system, via Bluetooth technology; and Envio Fácil, a logistics solution for online sales. The company was founded in 2006 and is headquartered in São Paulo, Brazil.

DLocal Limited, together with its subsidiaries, provides payment processing services worldwide. The company offers a robust pay-in solution to help global merchants expand their online presence and receive payments, including international and local cards, online bank transfers, direct debit, cash, and hundreds of alternative payment methods (APMs). It also provides pay-in solutions for cross-border and local-to-local transactions, as well as pay-out solutions. In addition, the company offers dLocal for Platforms to manage global platform payments. It serves its products to 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.

Latest Financial Services and PagSeguro Digital Ltd., DLocal Limited Stock News

As of September 11, 2026, PagSeguro Digital Ltd. had a $2.8 billion market capitalization, compared to the Financial Services median of $2.4 million. PagSeguro Digital Ltd.’s stock is up 2.9% in 2026, up 1.9% in the previous five trading days and up 9.52% in the past year.

Currently, PagSeguro Digital Ltd.’s price-earnings ratio is 7.0. PagSeguro Digital Ltd.’s trailing 12-month revenue is $3.8 billion with a 10.9% net profit margin. Year-over-year quarterly sales growth most recently was 4.9%. Analysts expect adjusted earnings to reach $1.688 per share for the current fiscal year. PagSeguro Digital Ltd. currently has a 2.6% dividend yield.

As of September 11, 2026, DLocal Limited had a $4.4 billion market cap, putting it in the 65th percentile of all stocks. DLocal Limited’s stock is up 4.5% in 2026, down 4.8% in the previous five trading days and up 8.55% in the past year.

Currently, DLocal Limited’s price-earnings ratio is 23.2. DLocal Limited’s trailing 12-month revenue is $1.2 billion with a 15.0% net profit margin. Year-over-year quarterly sales growth most recently was 54.9%. Analysts expect adjusted earnings to reach $0.852 per share for the current fiscal year. DLocal Limited currently has a 1.3% dividend yield.

How We Compare PagSeguro Digital Ltd. and DLocal Limited 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 PagSeguro Digital Ltd. and DLocal Limited’s stock grades to see how they measure up against one another.

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PagSeguro Digital Ltd. and DLocal Limited Growth Grades

Company	Ticker	Growth
PagSeguro Digital Ltd.	PAGS	D
DLocal Limited	DLO	D

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.

PagSeguro Digital Ltd. has a Growth Score of 31, which is Weak. DLocal Limited has a Growth Score of 40, which is Weak.

The Growth Stock Winner: No Clear Winner

Neither PagSeguro Digital Ltd. or DLocal Limited has a high enough Growth 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 portfolios. It’s important to look at a wide range of financial metrics in order to determine if PagSeguro Digital Ltd. or DLocal Limited is the better investment when it comes to sustainable growth.

PagSeguro Digital Ltd. and DLocal Limited’s Quality Grades

Company	Ticker	Quality
PagSeguro Digital Ltd.	PAGS	B
DLocal Limited	DLO	B

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.

PagSeguro Digital Ltd. has a Quality Score of 74, which is Strong. DLocal Limited has a Quality Score of 78, which is Strong.

The Quality Grade Winner: It’s a Tie!

Looking at the Quality Grade breakdown above, both PagSeguro Digital Ltd. and DLocal Limited have a grade of B. For investors who focus solely on a company’s overall quality, you will need to conduct further research into both companies to see if they are a good fit for your portfolio. As a good rule of thumb, you should always analyze multiple factors based on a wide range of metrics before choosing a company to invest in.

PagSeguro Digital Ltd. and DLocal Limited’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
PagSeguro Digital Ltd.	PAGS	D
DLocal Limited	DLO	D

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

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

PagSeguro Digital Ltd. has a Earnings Estimate Score of 27, which is Negative. DLocal Limited has a Earnings Estimate Score of 27, which is Negative.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither PagSeguro Digital Ltd. or DLocal Limited has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if PagSeguro Digital Ltd. or DLocal Limited is the better investment when it comes to estimate revisions.

Other PagSeguro Digital Ltd. and DLocal Limited Grades

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

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.

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.

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 PagSeguro Digital Ltd. and DLocal Limited pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, PagSeguro Digital Ltd. or DLocal Limited Stock?

Overall, PagSeguro Digital Ltd. stock has a Growth Score of 31, Estimate Revisions Score of 27 and Quality Score of 74.

DLocal Limited stock has a Growth Score of 40, Estimate Revisions Score of 27 and Quality Score of 78.

Comparing PagSeguro Digital Ltd. and DLocal Limited’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.