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Side-by-side financial comparison of dLocal Ltd (DLO) and TOMPKINS FINANCIAL CORP (TMP). Click either name above to swap in a different company.
dLocal Ltd is the larger business by last-quarter revenue ($337.9M vs $194.8M, roughly 1.7× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 16.5%, a 32.9% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 65.2%). dLocal Ltd produced more free cash flow last quarter ($99.8M vs $31.9M).
dLocal Limited is a Uruguayan financial technology company. It provides cross-border payments connecting global merchants to emerging markets.
Tompkins Financial Corporation is a small, diversified financial services company based in Ithaca, New York. It is the parent of the Tompkins Trust Company, as well as several other banks, an insurance agency, and a wealth management division.
DLO vs TMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $337.9M | $194.8M |
| Net Profit | $55.6M | $96.2M |
| Gross Margin | 34.3% | — |
| Operating Margin | 18.6% | 71.7% |
| Net Margin | 16.5% | 49.4% |
| Revenue YoY | 65.2% | 152.7% |
| Net Profit YoY | 87.3% | 388.9% |
| EPS (diluted) | $0.18 | $6.72 |
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 | $194.8M | ||
| Q3 25 | $282.5M | $87.4M | ||
| Q2 25 | — | $82.6M | ||
| Q1 25 | — | $81.7M | ||
| Q4 24 | $204.5M | $77.1M | ||
| Q3 24 | $185.8M | $76.6M | ||
| Q2 24 | — | $72.7M | ||
| Q1 24 | — | $72.8M |
| Q4 25 | $55.6M | $96.2M | ||
| Q3 25 | $141.3M | $23.7M | ||
| Q2 25 | — | $21.5M | ||
| Q1 25 | — | $19.7M | ||
| Q4 24 | $29.7M | $19.7M | ||
| Q3 24 | $90.8M | $18.6M | ||
| Q2 24 | — | $15.7M | ||
| Q1 24 | — | $16.9M |
| 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% | 71.7% | ||
| Q3 25 | 19.7% | 35.6% | ||
| Q2 25 | — | 34.2% | ||
| Q1 25 | — | 31.6% | ||
| Q4 24 | 20.7% | 33.4% | ||
| Q3 24 | 22.1% | 32.0% | ||
| Q2 24 | — | 28.3% | ||
| Q1 24 | — | 30.4% |
| Q4 25 | 16.5% | 49.4% | ||
| Q3 25 | 50.0% | 27.1% | ||
| Q2 25 | — | 26.0% | ||
| Q1 25 | — | 24.1% | ||
| Q4 24 | 14.5% | 25.5% | ||
| Q3 24 | 48.9% | 24.3% | ||
| Q2 24 | — | 21.6% | ||
| Q1 24 | — | 23.2% |
| Q4 25 | $0.18 | $6.72 | ||
| Q3 25 | $0.17 | $1.65 | ||
| Q2 25 | — | $1.50 | ||
| Q1 25 | — | $1.37 | ||
| Q4 24 | $0.09 | $1.39 | ||
| Q3 24 | $0.09 | $1.30 | ||
| Q2 24 | — | $1.10 | ||
| Q1 24 | — | $1.18 |
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 | $132.8M |
| Total DebtLower is stronger | $86.7M | — |
| Stockholders' EquityBook value | $569.4M | $938.4M |
| Total Assets | $1.5B | $8.7B |
| Debt / EquityLower = less leverage | 0.15× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $719.9M | $132.8M | ||
| Q3 25 | $604.5M | $193.5M | ||
| Q2 25 | — | $212.6M | ||
| Q1 25 | — | $193.1M | ||
| Q4 24 | $425.2M | $134.4M | ||
| Q3 24 | $560.5M | $132.3M | ||
| Q2 24 | — | $70.9M | ||
| Q1 24 | — | $57.1M |
| Q4 25 | $86.7M | — | ||
| Q3 25 | $63.1M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $39.8M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $569.4M | $938.4M | ||
| Q3 25 | $504.7M | $788.8M | ||
| Q2 25 | — | $761.8M | ||
| Q1 25 | — | $741.4M | ||
| Q4 24 | $489.0M | $713.4M | ||
| Q3 24 | $457.0M | $719.9M | ||
| Q2 24 | — | $674.6M | ||
| Q1 24 | — | $667.9M |
| Q4 25 | $1.5B | $8.7B | ||
| Q3 25 | $1.4B | $8.5B | ||
| Q2 25 | — | $8.4B | ||
| Q1 25 | — | $8.2B | ||
| Q4 24 | $1.2B | $8.1B | ||
| Q3 24 | — | $8.0B | ||
| Q2 24 | — | $7.9B | ||
| Q1 24 | — | $7.8B |
| Q4 25 | 0.15× | — | ||
| Q3 25 | 0.12× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.08× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $38.9M |
| Free Cash FlowOCF − Capex | $99.8M | $31.9M |
| FCF MarginFCF / Revenue | 29.5% | 16.4% |
| Capex IntensityCapex / Revenue | 0.2% | 3.6% |
| Cash ConversionOCF / Net Profit | 1.80× | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $378.7M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $100.4M | $38.9M | ||
| Q3 25 | $315.0M | $34.9M | ||
| Q2 25 | — | $18.9M | ||
| Q1 25 | — | $22.2M | ||
| Q4 24 | $-141.1M | $95.0M | ||
| Q3 24 | $108.3M | $21.2M | ||
| Q2 24 | — | $27.3M | ||
| Q1 24 | — | $23.2M |
| Q4 25 | $99.8M | $31.9M | ||
| Q3 25 | $313.4M | $33.9M | ||
| Q2 25 | — | $18.3M | ||
| Q1 25 | — | $20.9M | ||
| Q4 24 | $-141.6M | $88.8M | ||
| Q3 24 | $107.1M | $18.9M | ||
| Q2 24 | — | $26.3M | ||
| Q1 24 | — | $21.9M |
| Q4 25 | 29.5% | 16.4% | ||
| Q3 25 | 110.9% | 38.8% | ||
| Q2 25 | — | 22.1% | ||
| Q1 25 | — | 25.5% | ||
| Q4 24 | -69.2% | 115.1% | ||
| Q3 24 | 57.6% | 24.7% | ||
| Q2 24 | — | 36.2% | ||
| Q1 24 | — | 30.0% |
| Q4 25 | 0.2% | 3.6% | ||
| Q3 25 | 0.6% | 1.1% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | 0.2% | 8.1% | ||
| Q3 24 | 0.7% | 2.9% | ||
| Q2 24 | — | 1.3% | ||
| Q1 24 | — | 1.9% |
| Q4 25 | 1.80× | 0.40× | ||
| Q3 25 | 2.23× | 1.47× | ||
| Q2 25 | — | 0.88× | ||
| Q1 25 | — | 1.13× | ||
| Q4 24 | -4.75× | 4.82× | ||
| Q3 24 | 1.19× | 1.14× | ||
| Q2 24 | — | 1.74× | ||
| Q1 24 | — | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
