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Side-by-side financial comparison of dLocal Ltd (DLO) and PROSPERITY BANCSHARES INC (PB). Click either name above to swap in a different company.
PROSPERITY BANCSHARES INC is the larger business by last-quarter revenue ($367.6M vs $337.9M, roughly 1.1× dLocal Ltd). PROSPERITY BANCSHARES INC runs the higher net margin — 31.6% vs 16.5%, a 15.2% gap on every dollar of revenue.
dLocal Limited is a Uruguayan financial technology company. It provides cross-border payments connecting global merchants to emerging markets.
Prosperity Bancshares, Inc. is a bank holding company headquartered in Houston, Texas with operations in Texas and central Oklahoma. As of December 31, 2019, the company operated 285 branches: 65 in the Houston area, including The Woodlands, Texas; 30 in South Texas, including Corpus Christi, Texas and Victoria, Texas; 75 in the Dallas–Fort Worth metroplex; 22 in East Texas; 29 in Central Texas, including Austin, Texas and San Antonio; 34 in West Texas, including Lubbock, Texas, Midland–Odess...
DLO vs PB — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $337.9M | $367.6M |
| Net Profit | $55.6M | $116.3M |
| Gross Margin | 34.3% | — |
| Operating Margin | 18.6% | — |
| Net Margin | 16.5% | 31.6% |
| Revenue YoY | 65.2% | — |
| Net Profit YoY | 87.3% | -10.7% |
| EPS (diluted) | $0.18 | $1.16 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $367.6M | ||
| Q4 25 | $337.9M | $275.0M | ||
| Q3 25 | $282.5M | $273.4M | ||
| Q2 25 | — | $267.7M | ||
| Q1 25 | — | $265.4M | ||
| Q4 24 | $204.5M | $267.8M | ||
| Q3 24 | $185.8M | $261.7M | ||
| Q2 24 | — | $258.8M |
| Q1 26 | — | $116.3M | ||
| Q4 25 | $55.6M | $139.9M | ||
| Q3 25 | $141.3M | $137.6M | ||
| Q2 25 | — | $135.2M | ||
| Q1 25 | — | $130.2M | ||
| Q4 24 | $29.7M | $130.1M | ||
| Q3 24 | $90.8M | $127.3M | ||
| Q2 24 | — | $111.6M |
| Q1 26 | — | — | ||
| Q4 25 | 34.3% | — | ||
| Q3 25 | 36.5% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 40.9% | — | ||
| Q3 24 | 42.1% | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 18.6% | 65.1% | ||
| Q3 25 | 19.7% | 64.4% | ||
| Q2 25 | — | 64.3% | ||
| Q1 25 | — | 62.7% | ||
| Q4 24 | 20.7% | 62.0% | ||
| Q3 24 | 22.1% | 62.1% | ||
| Q2 24 | — | 55.2% |
| Q1 26 | — | 31.6% | ||
| Q4 25 | 16.5% | 50.9% | ||
| Q3 25 | 50.0% | 50.3% | ||
| Q2 25 | — | 50.5% | ||
| Q1 25 | — | 49.1% | ||
| Q4 24 | 14.5% | 48.6% | ||
| Q3 24 | 48.9% | 48.6% | ||
| Q2 24 | — | 43.1% |
| Q1 26 | — | $1.16 | ||
| Q4 25 | $0.18 | $1.48 | ||
| Q3 25 | $0.17 | $1.45 | ||
| Q2 25 | — | $1.42 | ||
| Q1 25 | — | $1.37 | ||
| Q4 24 | $0.09 | $1.36 | ||
| Q3 24 | $0.09 | $1.34 | ||
| Q2 24 | — | $1.17 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $719.9M | — |
| Total DebtLower is stronger | $86.7M | — |
| Stockholders' EquityBook value | $569.4M | $8.2B |
| Total Assets | $1.5B | $43.6B |
| Debt / EquityLower = less leverage | 0.15× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $719.9M | — | ||
| Q3 25 | $604.5M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $425.2M | — | ||
| Q3 24 | $560.5M | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | $86.7M | — | ||
| Q3 25 | $63.1M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $39.8M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $8.2B | ||
| Q4 25 | $569.4M | $7.6B | ||
| Q3 25 | $504.7M | $7.7B | ||
| Q2 25 | — | $7.6B | ||
| Q1 25 | — | $7.5B | ||
| Q4 24 | $489.0M | $7.4B | ||
| Q3 24 | $457.0M | $7.4B | ||
| Q2 24 | — | $7.3B |
| Q1 26 | — | $43.6B | ||
| Q4 25 | $1.5B | $38.5B | ||
| Q3 25 | $1.4B | $38.3B | ||
| Q2 25 | — | $38.4B | ||
| Q1 25 | — | $38.8B | ||
| Q4 24 | $1.2B | $39.6B | ||
| Q3 24 | — | $40.1B | ||
| Q2 24 | — | $39.8B |
| Q1 26 | — | — | ||
| Q4 25 | 0.15× | — | ||
| Q3 25 | 0.12× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.08× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $100.4M | — |
| Free Cash FlowOCF − Capex | $99.8M | — |
| FCF MarginFCF / Revenue | 29.5% | — |
| Capex IntensityCapex / Revenue | 0.2% | — |
| Cash ConversionOCF / Net Profit | 1.80× | — |
| TTM Free Cash FlowTrailing 4 quarters | $378.7M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $100.4M | $78.3M | ||
| Q3 25 | $315.0M | $194.8M | ||
| Q2 25 | — | $98.2M | ||
| Q1 25 | — | $178.2M | ||
| Q4 24 | $-141.1M | $-205.8M | ||
| Q3 24 | $108.3M | $274.6M | ||
| Q2 24 | — | $216.5M |
| Q1 26 | — | — | ||
| Q4 25 | $99.8M | $68.5M | ||
| Q3 25 | $313.4M | $185.7M | ||
| Q2 25 | — | $91.8M | ||
| Q1 25 | — | $171.1M | ||
| Q4 24 | $-141.6M | $-210.7M | ||
| Q3 24 | $107.1M | $270.2M | ||
| Q2 24 | — | $211.8M |
| Q1 26 | — | — | ||
| Q4 25 | 29.5% | 24.9% | ||
| Q3 25 | 110.9% | 67.9% | ||
| Q2 25 | — | 34.3% | ||
| Q1 25 | — | 64.5% | ||
| Q4 24 | -69.2% | -78.7% | ||
| Q3 24 | 57.6% | 103.3% | ||
| Q2 24 | — | 81.8% |
| Q1 26 | — | — | ||
| Q4 25 | 0.2% | 3.6% | ||
| Q3 25 | 0.6% | 3.3% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 2.7% | ||
| Q4 24 | 0.2% | 1.8% | ||
| Q3 24 | 0.7% | 1.7% | ||
| Q2 24 | — | 1.8% |
| Q1 26 | — | — | ||
| Q4 25 | 1.80× | 0.56× | ||
| Q3 25 | 2.23× | 1.42× | ||
| Q2 25 | — | 0.73× | ||
| Q1 25 | — | 1.37× | ||
| Q4 24 | -4.75× | -1.58× | ||
| Q3 24 | 1.19× | 2.16× | ||
| Q2 24 | — | 1.94× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DLO
Segment breakdown not available.
PB
| Net Interest Income | $321.1M | 87% |
| Noninterest Income | $46.5M | 13% |
