ALKT vs NCNO vs FIS vs FISV

For growth investors, Alkami Technology, Inc.

(ALKT) is the stronger pick with 32. 9% revenue growth year-over-year, versus 3. 6% for Fiserv, Inc. (FISV). Fiserv, Inc. (FISV) offers the better valuation at 9. 0x trailing P/E (7. 0x forward), making it the more compelling value choice. Analysts rate Alkami Technology, Inc. (ALKT) a "Buy" — based on 12 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.

On trailing P/E, Fiserv, Inc.

(FISV) is the cheapest at 9. 0x versus Fidelity National Information Services, Inc. at 63. 0x. On forward P/E, Fiserv, Inc. is actually cheaper at 7. 0x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Fiserv, Inc. wins at 0. 20x versus Fidelity National Information Services, Inc. 's 0. 31x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Fiserv, Inc.

(FISV) delivered a total return of -51. 7%, compared to -68. 6% for nCino, Inc. (NCNO). Over 10 years, the gap is even starker: FISV returned +9. 7% versus NCNO's -80. 6%. 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), Fidelity National Information Services, Inc.

(FIS) is the lower-risk stock at 0. 76β versus Alkami Technology, Inc. 's 1. 30β — meaning ALKT is approximately 72% more volatile than FIS relative to the S&P 500. On balance sheet safety, nCino, Inc. (NCNO) carries a lower debt/equity ratio of 22% versus 113% for Fiserv, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Alkami Technology, Inc.

(ALKT) is pulling ahead at 32. 9% versus 3. 6% for Fiserv, Inc. (FISV). On earnings-per-share growth, the picture is similar: Fiserv, Inc. grew EPS 17. 8% year-over-year, compared to -47. 2% for Fidelity National Information Services, Inc.. Over a 3-year CAGR, ALKT leads at 29. 5% 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.

Fiserv, Inc.

(FISV) is the more profitable company, earning 16. 4% net margin versus -10. 7% for Alkami Technology, Inc. — meaning it keeps 16. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FISV leads at 26. 9% versus -12. 1% for ALKT. At the gross margin level — before operating expenses — NCNO leads at 60. 1%, 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.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Fiserv, Inc. (FISV) is the more undervalued stock at a PEG of 0. 20x versus Fidelity National Information Services, Inc. 's 0. 31x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Fiserv, Inc. (FISV) trades at 7. 0x forward P/E versus 21. 7x for Alkami Technology, Inc. — 14. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for NCNO: 81. 8% to $32. 33.

In this comparison, FIS (3.

5% yield) pays a dividend. ALKT, NCNO, FISV do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Fidelity National Information Services, Inc.

(FIS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 76), 3. 5% yield). Both have compounded well over 10 years (FIS: -13. 2%, ALKT: -59. 5%), 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: ALKT is a small-cap high-growth stock; NCNO is a small-cap quality compounder stock; FIS is a mid-cap income-oriented stock; FISV is a mid-cap deep-value stock. FIS pays a dividend while ALKT, NCNO, FISV do 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.