STOCK COMPARISON
Dlocal vs Microsoft: Fair Value & Quality
Both stocks run through our valuation models. Here is how Dlocal (DLO) and Microsoft (MSFT) compare, as of Aug 10, 2026.
As of Aug 10, 2026, Fair Value Calculator sees Dlocal as the less overvalued of the two: Dlocal trades at $14.41 versus a fair value of $8.67 (-40%), while Microsoft trades at $500 versus $274 (-45%).
Dlocal
DLO · USD · Financials
-40%
upside to fair value
overvalued
Price$14.41
Fair Value$8.67
Quality75/100
Microsoft
MSFT · USD · Information Technology
-45%
upside to fair value
overvalued
Price$500
Fair Value$274
Quality68/100
Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
DlocalMicrosoft
Valuation
23.7×P/E (TTM)22.9×
3.69×P/S (TTM)8.99×
7.85×P/B8.33×
16.1×EV/EBITDA15.6×
—PEG1.19×
1.3%Dividend yield0.9%
$0.19Dividend per share$3.56
Profitability
16%Net margin39%
16%Operating margin46%
35%Return on equity34%
9%Return on assets15%
Growth
55%Revenue growth (YoY)18%
37.7%Avg. growth/yr (3Y)12.4%
60.0%Avg. growth/yr (5Y)14.5%
Balance & size
—Debt / equity0.12×
$4BMarket cap$2.9T
healthyGrowth qualityexpensive
Dlocal leads: 7 to 5 metric wins.
Dash = not meaningfully computable, for example with negative equity.
Quality in detail
The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.
Dlocalof which business quality 76 · market factors 60
Microsoftof which business quality 65 · market factors 51
ProfitabilityMargins and returns on capital today
70
75
Quality GrowthAre margins and returns improving?
68
53
CashflowEarnings quality: real cash, not paper profit
100
71
Fin. StrengthBalance sheet, leverage, solvency risk
68
79
InvestmentDisciplined investing over empire-building
46
1
Low VolatilityCalm price path (market factor)
40
57
MomentumPrice trend over the last 3–12 months (market factor)
65
48
52W MomentumDistance to the 52-week high (market factor)
75
51
Net IssuanceBuybacks instead of dilution
92
84
What the models say
The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.
Dlocal
DCF Models$27.09
Earnings-Based$27.50
Dividend Discount$8.30
Multiples$5.69
Asset-Based$1.29
Growth DCF$31.94
Economic Profit$4.66
6 of 13 models see the stock below the current price.
Microsoft
DCF Models$289
Earnings-Based$189
Dividend Discount$61.93
Multiples$206
Asset-Based$30.98
Growth DCF$201
Economic Profit$184
Growth Earnings$276
26 of 26 models see the stock below the current price.
Scenario ranges
From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.
Dlocal
Bear $6.51Fair Value $8.67Bull $17.93
$14.41 = current price (white tick)
Microsoft
Bear $159Fair Value $274Bull $358
$500 = current price (white tick)
Compare two other stocks
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Ranked within their sector
Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.
Dlocal · Financials
Quality score75 · Top 25%
Fair value upside-40% · below median
Microsoft · Information Technology
Quality score68 · Top 25%
Fair value upside-45% · below median
Bottom line
As of Aug 10, 2026, Fair Value Calculator sees Dlocal as the less overvalued of the two: Dlocal trades at $14.41 versus a fair value of $8.67 (-40%), while Microsoft trades at $500 versus $274 (-45%).
Dlocal has the higher quality score (75/100).
See the full analysis →
More comparisons
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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
