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Side-by-side financial comparison of dLocal Ltd (DLO) and Root, Inc. (ROOT). Click either name above to swap in a different company.
Root, Inc. is the larger business by last-quarter revenue ($397.0M vs $337.9M, roughly 1.2× dLocal Ltd). On growth, dLocal Ltd posted the faster year-over-year revenue change (65.2% vs 21.5%).
dLocal Limited is a Uruguayan financial technology company. It provides cross-border payments connecting global merchants to emerging markets.
Root Insurance Company is an online car insurance company operating in the United States.
DLO vs ROOT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $337.9M | $397.0M |
| Net Profit | $55.6M | — |
| Gross Margin | 34.3% | — |
| Operating Margin | 18.6% | 2.6% |
| Net Margin | 16.5% | — |
| Revenue YoY | 65.2% | 21.5% |
| Net Profit YoY | 87.3% | — |
| EPS (diluted) | $0.18 | $0.35 |
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.
| Q4 25 | $337.9M | $397.0M | ||
| Q3 25 | $282.5M | $387.8M | ||
| Q2 25 | — | $382.9M | ||
| Q1 25 | — | $349.4M | ||
| Q4 24 | $204.5M | $326.7M | ||
| Q3 24 | $185.8M | $305.7M | ||
| Q2 24 | — | $289.2M | ||
| Q1 24 | — | $254.9M |
| Q4 25 | $55.6M | — | ||
| Q3 25 | $141.3M | $-5.4M | ||
| Q2 25 | — | $22.0M | ||
| Q1 25 | — | $18.4M | ||
| Q4 24 | $29.7M | — | ||
| Q3 24 | $90.8M | $22.8M | ||
| Q2 24 | — | $-7.8M | ||
| Q1 24 | — | $-6.2M |
| Q4 25 | 34.3% | — | ||
| Q3 25 | 36.5% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 40.9% | — | ||
| Q3 24 | 42.1% | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 18.6% | 2.6% | ||
| Q3 25 | 19.7% | 0.1% | ||
| Q2 25 | — | 7.1% | ||
| Q1 25 | — | 6.8% | ||
| Q4 24 | 20.7% | 10.7% | ||
| Q3 24 | 22.1% | 11.3% | ||
| Q2 24 | — | 1.3% | ||
| Q1 24 | — | 2.1% |
| Q4 25 | 16.5% | — | ||
| Q3 25 | 50.0% | -1.4% | ||
| Q2 25 | — | 5.7% | ||
| Q1 25 | — | 5.3% | ||
| Q4 24 | 14.5% | — | ||
| Q3 24 | 48.9% | 7.5% | ||
| Q2 24 | — | -2.7% | ||
| Q1 24 | — | -2.4% |
| Q4 25 | $0.18 | $0.35 | ||
| Q3 25 | $0.17 | $-0.35 | ||
| Q2 25 | — | $1.29 | ||
| Q1 25 | — | $1.07 | ||
| Q4 24 | $0.09 | $1.42 | ||
| Q3 24 | $0.09 | $1.35 | ||
| Q2 24 | — | $-0.52 | ||
| Q1 24 | — | $-0.42 |
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 | $669.3M |
| Total DebtLower is stronger | $86.7M | $200.3M |
| Stockholders' EquityBook value | $569.4M | $284.3M |
| Total Assets | $1.5B | $1.7B |
| Debt / EquityLower = less leverage | 0.15× | 0.70× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $719.9M | $669.3M | ||
| Q3 25 | $604.5M | $653.3M | ||
| Q2 25 | — | $641.4M | ||
| Q1 25 | — | $609.4M | ||
| Q4 24 | $425.2M | $599.3M | ||
| Q3 24 | $560.5M | $674.8M | ||
| Q2 24 | — | $667.2M | ||
| Q1 24 | — | $640.5M |
| Q4 25 | $86.7M | $200.3M | ||
| Q3 25 | $63.1M | $200.4M | ||
| Q2 25 | — | $200.1M | ||
| Q1 25 | — | $200.0M | ||
| Q4 24 | $39.8M | $200.1M | ||
| Q3 24 | — | $300.9M | ||
| Q2 24 | — | $300.1M | ||
| Q1 24 | — | $299.3M |
| Q4 25 | $569.4M | $284.3M | ||
| Q3 25 | $504.7M | $265.0M | ||
| Q2 25 | — | $244.5M | ||
| Q1 25 | — | $228.7M | ||
| Q4 24 | $489.0M | $203.7M | ||
| Q3 24 | $457.0M | $181.9M | ||
| Q2 24 | — | $151.3M | ||
| Q1 24 | — | $165.7M |
| Q4 25 | $1.5B | $1.7B | ||
| Q3 25 | $1.4B | $1.6B | ||
| Q2 25 | — | $1.6B | ||
| Q1 25 | — | $1.6B | ||
| Q4 24 | $1.2B | $1.5B | ||
| Q3 24 | — | $1.6B | ||
| Q2 24 | — | $1.5B | ||
| Q1 24 | — | $1.4B |
| Q4 25 | 0.15× | 0.70× | ||
| Q3 25 | 0.12× | 0.76× | ||
| Q2 25 | — | 0.82× | ||
| Q1 25 | — | 0.87× | ||
| Q4 24 | 0.08× | 0.98× | ||
| Q3 24 | — | 1.65× | ||
| Q2 24 | — | 1.98× | ||
| Q1 24 | — | 1.81× |
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 | $206.5M |
| Free Cash FlowOCF − Capex | $99.8M | — |
| FCF MarginFCF / Revenue | 29.5% | — |
| Capex IntensityCapex / Revenue | 0.2% | 0.0% |
| Cash ConversionOCF / Net Profit | 1.80× | — |
| TTM Free Cash FlowTrailing 4 quarters | $378.7M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $100.4M | $206.5M | ||
| Q3 25 | $315.0M | $57.6M | ||
| Q2 25 | — | $52.0M | ||
| Q1 25 | — | $26.8M | ||
| Q4 24 | $-141.1M | $195.7M | ||
| Q3 24 | $108.3M | $49.4M | ||
| Q2 24 | — | $62.6M | ||
| Q1 24 | — | $14.5M |
| Q4 25 | $99.8M | — | ||
| Q3 25 | $313.4M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $-141.6M | $195.3M | ||
| Q3 24 | $107.1M | — | ||
| Q2 24 | — | $62.4M | ||
| Q1 24 | — | $14.3M |
| Q4 25 | 29.5% | — | ||
| Q3 25 | 110.9% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | -69.2% | 59.8% | ||
| Q3 24 | 57.6% | — | ||
| Q2 24 | — | 21.6% | ||
| Q1 24 | — | 5.6% |
| Q4 25 | 0.2% | 0.0% | ||
| Q3 25 | 0.6% | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | 0.2% | 0.1% | ||
| Q3 24 | 0.7% | 0.0% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.1% |
| Q4 25 | 1.80× | — | ||
| Q3 25 | 2.23× | — | ||
| Q2 25 | — | 2.36× | ||
| Q1 25 | — | 1.46× | ||
| Q4 24 | -4.75× | — | ||
| Q3 24 | 1.19× | 2.17× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
