DLO vs VOD vs WSE Stock Comparison

dLocal, Vodafone Group Public and Wise Prices as of Oct 26, 2026 Peers: Industry group
DLO dLocal Ltd
$14.44 +2.6% 1M -4.6% 1Y
Market cap
$4.09B
P/E
20.1x
Revenue (TTM)
$1.36B
Div. yield
–
Payment Processing Technology
1 win
WSE Wise Group plc
$10.99 -4.8% 1M
Market cap
$11.05B
P/E
–
Revenue (TTM)
—
Div. yield
–
Money Transfer Financial Services

Head to Head

6 decided of 12

Vodafone Group Public leads on 5 of the 12 questions below (Vodafone Group Public 5, dLocal 1). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionDLOVODWSELeader
Larger companyMarket capitalisation $4.09B $37.84B $11.05B VOD
Cheaper on earningsLower P/E, profitable companies only 20.1x -82.0x — –
Cheaper on forward earningsLower price / next fiscal year consensus EPS 17.2x 12.6x 20.4x VOD
Faster revenue growthRevenue growth, trailing twelve months +57.0% — — –
More profitableNet margin, trailing twelve months 15.0% — — –
Better return on capitalReturn on invested capital 33.4% — — –
Less leveragedLower net debt / EBITDA — — — –
Higher dividend yieldTrailing dividend yield 0.00% 0.00% 0.00% –
Better 1-year returnPrice return, last 12 months -4.6% +33.8% — VOD
Better 5-year returnAnnualised price return, 5 years -22.0%/yr +0.2%/yr — VOD
Less volatileAnnualised volatility, 1 year 44.3% 32.2% 43.8% VOD
Higher overall scoreMean of the five percentile scores vs peers 72/100 59/100 — DLO

Percentile Scorecard

DLOVODWSE

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisDLOVODWSE
Valuation 79 #22 of 99 79 #11 of 49 –
Growth 83 #17 of 94 – –
Profitability 91 #9 of 90 – –
Financial Health 67 #35 of 105 54 #23 of 49 –
Shareholder Returns 40 #37 of 61 44 #21 of 37 –
Overall 72 59 –
  • DLO ranked among 109 companies in Fintech
  • VOD ranked among 51 companies in Telecommunications
  • WSE ranked among 1,011 companies in Financial Services

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodDLOVODWSESPY
1 month +2.6%-5.5%-4.8% -0.8%
3 months -3.5%-0.6%-7.7% +3.5%
6 months +4.7%+1.2%— +7.0%
Year to date +2.1%+18.8%— +12.2%
1 year -4.6%+33.8%— +13.0%
3 years -15.2%+70.5%— +86.3%
3 years, per year -5.4%+19.5%— +23.1%
5 years -71.1%+0.8%— +68.6%
5 years, per year -22.0%+0.2%— +11.0%
10 years —-43.8%— +258.0%
10 years, per year —-5.6%— +13.6%

Risk

MeasureDLOVODWSESPY
Volatility, 1Y 44.3%32.2%43.8% 12.7%
Downside volatility, 1Y 44.7%32.6%48.2% 12.7%
Beta vs S&P 500, 1Y 1.720.490.60 1.00
Return / volatility, 1Y -0.101.05— 1.02
Max drawdown, 5Y -86.3%-57.5%-32.5% -25.4%
From 52-week high -8.5%-10.4%-28.6% -1.8%
52-week high $15.78$17.53$15.40 $779.14
52-week low $11.01$11.20$10.40 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleDLOVODWSE
P/E now vs peer median 20.6xmedian 20.6x -82.0xmedian 11.8x —median 13.1x
P/S now vs peer median 3.1xmedian 2.3x 0.8xmedian 1.1x —median 3.2x
EV/EBITDA now vs peer median —median 15.4x —median 6.8x —median 6.9x
P/FCF now vs peer median 10.0xmedian 16.4x 3.5xmedian 5.7x 1.8xmedian 10.9x
P/B now vs peer median 7.9xmedian 1.9x 0.7xmedian 1.3x —median 1.2x
PEG now vs peer median 1.21median 1.05 —median 0.24 —median 0.88

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsDLOVODWSE
Revenue $1.36B – –
Gross profit $464.83M – –
Operating income $235.24M – –
Net income $204.14M – –
Free cash flow $427.30M – –
R&D $41.98M – –
EPS (diluted) $0.68 – –
Cash & equivalents $794.94M $10.31B –
Total debt $466.81M $60.32B –
Shares (diluted) 301.74M 2.40B 1.03B
Enterprise value $787.70M $7.24B $11.05B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricDLOVODWSE
P/E 20.6x -82.0x –
P/FCF 10.0x 3.5x 1.8x
P/Operating cash flow 9.9x – –
P/S 3.1x 0.8x –
P/B 7.9x 0.7x –
P/Tangible book 9.6x 0.9x –
EV/EBITDA – – –
EV/EBIT 14.9x – –
EV/Revenue 2.6x – –
EV/FCF 8.2x – –
EV/Operating cash flow 8.2x – –
PEG (3Y EPS CAGR) 1.21 – –

Growth

14 metrics
MetricDLOVODWSE
Revenue growth (1Y) 57.0% – –
Revenue CAGR (3Y) 36.9% – –
Gross profit growth (1Y) 34.5% – –
Gross profit CAGR (3Y) 24.4% – –
Operating income growth (1Y) 27.1% – –
Operating income CAGR (3Y) 16.0% – –
Net income growth (1Y) 39.8% – –
Net income CAGR (3Y) 15.7% – –
EPS growth (1Y) 41.4% – –
EPS CAGR (3Y) 17.1% – –
Operating cash flow growth (1Y) 234.3% – –
Operating cash flow CAGR (3Y) 16.8% – –
Free cash flow growth (1Y) 230.2% – –
Free cash flow CAGR (3Y) 16.5% – –

Profitability

14 metrics
MetricDLOVODWSE
Gross margin 34.3% – –
EBITDA margin – – –
Operating margin 17.3% – –
Pretax margin 18.2% – –
Net margin 15.0% – –
FCF margin 31.5% – –
Operating cash flow margin 31.6% – –
Return on equity 37.3% – –
Return on assets 10.2% – –
Return on invested capital 33.4% – –
Return on capital employed 64.3% – –
Asset turnover 0.7x – –
Cash conversion (OCF / net income) 2.1x – –
Stock comp / revenue 1.9% – –

Financial Health

11 metrics
MetricDLOVODWSE
Debt / assets 5.9% 40.5% –
Debt / equity 0.2x 1.0x –
Net debt / EBITDA – – –
Debt / FCF 0.3x – –
Liabilities / assets 75.3% 61.0% –
Equity / assets 24.7% 39.0% –
Interest coverage 48.4x – –
Current ratio 1.2x 0.4x –
Quick ratio 1.2x 0.8x –
Cash ratio 0.5x 0.4x –
Altman Z-score 3.06 – –

Shareholder Returns

7 metrics
MetricDLOVODWSE
Dividend yield 1.4% 3.4% –
Net buyback yield – – –
Shareholder yield 1.4% 3.4% –
Payout ratio (earnings) – – –
Payout ratio (FCF) – – –
Dividend growth (1Y) – – –
Dividend CAGR (3Y) – – –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusDLOVODWSE
Forward P/E 17.2xFY2026 12.6xFY2026 20.4xFY2026
EPS, next fiscal year $0.84FY2026 $1.25FY2026 $0.54FY2026
EPS growth, next FY +9.1%FY2026 -0.8%FY2026 +12.5%FY2026
EPS growth, the year after +21.4% +13.6% +20.4%
Revenue, next fiscal year $1.64BFY2026 $53.46BFY2026 $2.84BFY2026
Revenue growth, next FY +50.1%FY2026 +12.6%FY2026 +13.8%FY2026
Revenue growth, the year after +20.6% -3.1% +21.9%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersDLOVODWSE
Held by institutions 40.4% 7.9% 26.2%
Institutions holding 166 575 214
Change in shares held, QoQ +7.6% -0.8% –
Institutions buying 88 255 214
Institutions selling 49 162 0
Buyers to sellers 1.80 1.57 –

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

DLOVODWSE
DLO 1.00 0.18 0.33
VOD 0.18 1.00 0.18
WSE 0.33 0.18 1.00

Add a Peer

Largest companies in the same industry

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Frequently Asked Questions

Which is bigger, DLO, VOD and WSE?

Vodafone Group Public (VOD) is the largest by market capitalisation: dLocal (DLO) $4.09B, Vodafone Group Public (VOD) $37.84B, Wise (WSE) $11.05B.

Which stock has performed better?

Over the past year Vodafone Group Public (VOD) returned the most: dLocal (DLO) -4.6%, Vodafone Group Public (VOD) +33.8%. Over five years, Vodafone Group Public (VOD) compounded fastest (dLocal (DLO) -22.0%/yr, Vodafone Group Public (VOD) +0.2%/yr). Returns are price only, before dividends.

Which stock is riskier?

By one-year price volatility, Vodafone Group Public (VOD) has been the steadiest (dLocal (DLO) 44.3%, Vodafone Group Public (VOD) 32.2%, Wise (WSE) 43.8%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, DLO, VOD and WSE?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Vodafone Group Public (VOD) leads on 5. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.