USIO vs EVTC

For growth investors, EVERTEC, Inc.

(EVTC) is the stronger pick with 10. 2% revenue growth year-over-year, versus 3. 0% for Usio, Inc. (USIO). EVERTEC, Inc. (EVTC) offers the better valuation at 10. 9x trailing P/E (6. 1x forward), making it the more compelling value choice. Analysts rate EVERTEC, Inc. (EVTC) a "Buy" — based on 18 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

Over the past 5 years, EVERTEC, Inc.

(EVTC) delivered a total return of -41. 8%, compared to -76. 2% for Usio, Inc. (USIO). Over 10 years, the gap is even starker: EVTC returned +94. 4% versus USIO's -34. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Usio, Inc.

(USIO) is the lower-risk stock at 0. 59β versus EVERTEC, Inc. 's 0. 77β — meaning EVTC is approximately 32% more volatile than USIO relative to the S&P 500. On balance sheet safety, Usio, Inc. (USIO) carries a lower debt/equity ratio of 14% versus 158% for EVERTEC, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), EVERTEC, Inc.

(EVTC) is pulling ahead at 10. 2% versus 3. 0% for Usio, Inc. (USIO). On earnings-per-share growth, the picture is similar: EVERTEC, Inc. grew EPS 27. 2% year-over-year, compared to -177. 8% for Usio, Inc.. Over a 3-year CAGR, EVTC leads at 14. 6% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

EVERTEC, Inc.

(EVTC) is the more profitable company, earning 15. 2% net margin versus -2. 9% for Usio, Inc. — meaning it keeps 15. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: EVTC leads at 20. 0% versus -2. 6% for USIO. At the gross margin level — before operating expenses — EVTC leads at 49. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

In this comparison, EVTC (0.

8% yield) pays a dividend. USIO does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, EVERTEC, Inc.

(EVTC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 77), 0. 8% yield). Both have compounded well over 10 years (EVTC: +94. 4%, USIO: -34. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: USIO is a small-cap quality compounder stock; EVTC is a small-cap deep-value stock. EVTC pays a dividend while USIO does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.