COMP <GO>
BFH vs DLO // EV/EBITDA & P/E VALUATION
Bread Financial Holdings Inc. (NYSE) VS. DLocal Limited (Class A) (NASDAQ) • 15-METRIC TALLY: BFH 2
— DLO 1
■ METRIC PARITY
LAST: $105.66 (+0.89%) • MKT CAP: $4.01B
valuation
12.6x
LAST: $13.65 (-0.87%) • MKT CAP: $4.03B
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BFH VS. DLO)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BFH | DLO | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.40% | — | — | TIE | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 12.6x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | 56.30% | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 46.10% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 12.10% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.00% | 0.00% | +1.00 | BFH | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.48 | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | — | — | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.1 | 30.6 | +24.51 | BFH | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.12 | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.5x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.01B | $4.03B | -$14.8M | DLO | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BFH REV | DLO REV | BFH GROSS % | DLO GROSS % | BFH FCF | DLO FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | — | — | — | $2.09B | — |
| FY 2024 | $0 | — | — | — | $1.86B | — |
| FY 2023 | $0 | — | — | — | $1.99B | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BFH // BETA 1.12
DLO // BETA —