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Stock Comparison

BYNO vs PSFE vs EVTC vs NXTT

Revenue, margins, valuation, and 5-year total return — side by side.

Live fundamentals10-year financials5-year price chart
BYNO
byNordic Acquisition Corporation

Shell Companies

Financial ServicesNASDAQ • SE
Market Cap$43M
5Y Perf.+26.9%
PSFE
Paysafe Limited

Information Technology Services

TechnologyNYSE • GB
Market Cap$367M
5Y Perf.-68.0%
EVTC
EVERTEC, Inc.

Software - Infrastructure

TechnologyNYSE • US
Market Cap$1.62B
5Y Perf.-37.2%
NXTT
Next Technology Holding Inc.

Software - Application

TechnologyNASDAQ • CN
Market Cap$16K
5Y Perf.-100.0%

BYNO vs PSFE vs EVTC vs NXTT — Key Financials

Market cap, revenue, margins, and valuation side-by-side.

Company Snapshot
BYNO logoBYNO
PSFE logoPSFE
EVTC logoEVTC
NXTT logoNXTT
IndustryShell CompaniesInformation Technology ServicesSoftware - InfrastructureSoftware - Application
Market Cap$43M$367M$1.62B$16K
Revenue (TTM)$1M$1.74B$951M$12M
Net Income (TTM)$-740K$-199M$133M$-156M
Gross Margin50.0%48.4%46.4%15.2%
Operating Margin24.0%5.5%19.1%-7.2%
Forward P/E79.1x3.3x6.7x0.0x
Total Debt$6M$2.66B$1.13B$2M
Cash & Equiv.$273K$1.35B$306M$6M

BYNO vs PSFE vs EVTC vs NXTTLong-Term Stock Performance

Price return indexed to 100 at period start. Dividends excluded.

BYNO
PSFE
EVTC
NXTT
StockJul 22Jun 26Return
byNordic Acquisitio… (BYNO)100126.9+26.9%
Paysafe Limited (PSFE)10032.0-68.0%
EVERTEC, Inc. (EVTC)10062.8-37.2%
Next Technology Hol… (NXTT)1000.0-100.0%

Price return only. Dividends and distributions are not included.

Quick Verdict: BYNO vs PSFE vs EVTC vs NXTT

Each card shows where this stock fits in a portfolio — not just who wins on paper.

Bottom line: EVTC leads in 3 of 7 categories, making it the strongest pick for profitability and margin quality and dividend income and shareholder returns. byNordic Acquisition Corporation is the stronger pick specifically for capital preservation and lower volatility and recent price momentum and sentiment. NXTT also leads in specific categories worth noting. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
🥇EVTC emerged as the overall leader. Track its performance:
BYNO
byNordic Acquisition Corporation
The Banking Pick

BYNO is the #2 pick in this set and the best alternative if income & stability is your priority.

  • beta 0.11
  • Beta 0.11 vs PSFE's 2.44
  • +5.0% vs NXTT's -99.3%
Best for: income & stability
PSFE
Paysafe Limited
The Value Angle

PSFE lags the leaders in this set but could rank higher in a more targeted comparison.

Best for: technology exposure
EVTC
EVERTEC, Inc.
The Long-Run Compounder

EVTC carries the broadest edge in this set and is the clearest fit for long-term compounding and defensive.

  • 81.2% 10Y total return vs BYNO's 27.8%
  • Beta 0.74, yield 0.8%, current ratio 2.07x
  • 13.9% margin vs NXTT's -12.9%
  • 0.8% yield; the other 3 pay no meaningful dividend
Best for: long-term compounding and defensive
NXTT
Next Technology Holding Inc.
The Growth Play

NXTT is the clearest fit if your priority is growth exposure and sleep-well-at-night.

  • Rev growth 5.5%, EPS growth 7.3%
  • Lower volatility, beta 1.74, Low D/E 0.4%, current ratio 133.17x
  • 5.5% revenue growth vs BYNO's -79.9%
  • Lower P/E (0.0x vs 6.7x)
Best for: growth exposure and sleep-well-at-night
See the full category breakdown
CategoryWinnerWhy
GrowthNXTT logoNXTT5.5% revenue growth vs BYNO's -79.9%
ValueNXTT logoNXTTLower P/E (0.0x vs 6.7x)
Quality / MarginsEVTC logoEVTC13.9% margin vs NXTT's -12.9%
Stability / SafetyBYNO logoBYNOBeta 0.11 vs PSFE's 2.44
DividendsEVTC logoEVTC0.8% yield; the other 3 pay no meaningful dividend
Momentum (1Y)BYNO logoBYNO+5.0% vs NXTT's -99.3%
Efficiency (ROA)EVTC logoEVTC6.1% ROA vs NXTT's -26.2%, ROIC 10.2% vs -22.5%

BYNO vs PSFE vs EVTC vs NXTT — Revenue Breakdown by Segment

How each company's revenue is distributed across its business units

BYNObyNordic Acquisition Corporation

Segment breakdown not available.

PSFEPaysafe Limited
FY 2025
Merchant Solutions
52.6%$905M
Digital Wallet Segments
47.4%$815M
EVTCEVERTEC, Inc.
FY 2023
Payment Processing
62.8%$53M
Software Sale And Developments
20.3%$17M
Transaction Processing And Monitoring Fees
17.0%$14M
NXTTNext Technology Holding Inc.
FY 2025
Software Development
100.0%$12M

BYNO vs PSFE vs EVTC vs NXTT — Financial Metrics

Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.

BEST OVERALLBYNOLAGGINGNXTT

Income & Cash Flow (Last 12 Months)

Evenly matched — BYNO and EVTC each lead in 2 of 6 comparable metrics.

PSFE is the larger business by revenue, generating $1.7B annually — 1288.0x BYNO's $1M. EVTC is the more profitable business, keeping 13.9% of every revenue dollar as net income compared to NXTT's -12.9%.

MetricBYNO logoBYNObyNordic Acquisit…PSFE logoPSFEPaysafe LimitedEVTC logoEVTCEVERTEC, Inc.NXTT logoNXTTNext Technology H…
RevenueTrailing 12 months$1M$1.7B$951M$12M
EBITDAEarnings before interest/tax-$1M$373M$316M-$86M
Net IncomeAfter-tax profit-$739,762-$199M$133M-$156M
Free Cash FlowCash after capex-$3M$174M$165M$145M
Gross MarginGross profit ÷ Revenue+50.0%+48.4%+46.4%+15.2%
Operating MarginEBIT ÷ Revenue+24.0%+5.5%+19.1%-7.2%
Net MarginNet income ÷ Revenue-54.7%-11.4%+13.9%-12.9%
FCF MarginFCF ÷ Revenue-2.1%+10.0%+17.4%+12.0%
Rev. Growth (YoY)Latest quarter vs prior year+10.4%+8.4%
EPS Growth (YoY)Latest quarter vs prior year-32.2%-115.2%-24.0%-3.1%
Evenly matched — BYNO and EVTC each lead in 2 of 6 comparable metrics.

Valuation Metrics

PSFE leads this category, winning 4 of 7 comparable metrics.

At 0.0x trailing earnings, NXTT trades at a 100% valuation discount to BYNO's 79.1x P/E. On an enterprise value basis, PSFE's 4.2x EV/EBITDA is more attractive than EVTC's 7.9x.

MetricBYNO logoBYNObyNordic Acquisit…PSFE logoPSFEPaysafe LimitedEVTC logoEVTCEVERTEC, Inc.NXTT logoNXTTNext Technology H…
Market CapShares × price$43M$367M$1.6B$16,069
Enterprise ValueMkt cap + debt − cash$49M$1.7B$2.4B-$4M
Trailing P/EPrice ÷ TTM EPS79.06x-2.26x11.95x0.00x
Forward P/EPrice ÷ next-FY EPS est.3.27x6.71x
PEG RatioP/E ÷ EPS growth rate1.33x0.00x
EV / EBITDAEnterprise value multiple4.24x7.92x
Price / SalesMarket cap ÷ Revenue0.22x1.74x0.00x
Price / BookPrice ÷ Book value/share0.63x2.37x0.00x
Price / FCFMarket cap ÷ FCF1.64x11.95x
PSFE leads this category, winning 4 of 7 comparable metrics.

Profitability & Efficiency

EVTC leads this category, winning 6 of 9 comparable metrics.

EVTC delivers a 18.7% return on equity — every $100 of shareholder capital generates $19 in annual profit, vs $-30 for NXTT. NXTT carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to PSFE's 4.06x. On the Piotroski fundamental quality scale (0–9), EVTC scores 7/9 vs BYNO's 2/9, reflecting strong financial health.

MetricBYNO logoBYNObyNordic Acquisit…PSFE logoPSFEPaysafe LimitedEVTC logoEVTCEVERTEC, Inc.NXTT logoNXTTNext Technology H…
ROE (TTM)Return on equity+3.0%-28.6%+18.7%-30.0%
ROA (TTM)Return on assets-6.9%-4.2%+6.1%-26.2%
ROICReturn on invested capital+3.6%+10.2%-22.5%
ROCEReturn on capital employed+3.6%+10.5%-26.3%
Piotroski ScoreFundamental quality 0–92476
Debt / EquityFinancial leverage4.06x1.58x0.00x
Net DebtTotal debt minus cash$6M$1.3B$824M-$4M
Cash & Equiv.Liquid assets$272,588$1.3B$306M$6M
Total DebtShort + long-term debt$6M$2.7B$1.1B$2M
Interest CoverageEBIT ÷ Interest expense0.75x3.10x
EVTC leads this category, winning 6 of 9 comparable metrics.

Total Returns (Dividends Reinvested)

BYNO leads this category, winning 5 of 6 comparable metrics.

A $10,000 investment in BYNO five years ago would be worth $12,778 today (with dividends reinvested), compared to $0 for NXTT. Over the past 12 months, BYNO leads with a +5.0% total return vs NXTT's -99.3%. The 3-year compound annual growth rate (CAGR) favors BYNO at 6.2% vs NXTT's -89.5% — a key indicator of consistent wealth creation.

MetricBYNO logoBYNObyNordic Acquisit…PSFE logoPSFEPaysafe LimitedEVTC logoEVTCEVERTEC, Inc.NXTT logoNXTTNext Technology H…
YTD ReturnYear-to-date+1.3%-11.0%-8.0%-73.5%
1-Year ReturnPast 12 months+5.0%-45.0%-28.7%-99.3%
3-Year ReturnCumulative with dividends+19.9%-33.0%-24.7%-99.9%
5-Year ReturnCumulative with dividends+27.8%-94.9%-38.1%-100.0%
10-Year ReturnCumulative with dividends+27.8%-94.1%+81.2%-100.0%
CAGR (3Y)Annualised 3-year return+6.2%-12.5%-9.0%-89.5%
BYNO leads this category, winning 5 of 6 comparable metrics.

Risk & Volatility

BYNO leads this category, winning 2 of 2 comparable metrics.

BYNO is the less volatile stock with a 0.11 beta — it tends to amplify market swings less than PSFE's 2.44 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. BYNO currently trades 99.2% from its 52-week high vs NXTT's 0.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.

MetricBYNO logoBYNObyNordic Acquisit…PSFE logoPSFEPaysafe LimitedEVTC logoEVTCEVERTEC, Inc.NXTT logoNXTTNext Technology H…
Beta (5Y)Sensitivity to S&P 5000.11x2.44x0.74x1.74x
52-Week HighHighest price in past year$12.75$15.02$37.78$738.00
52-Week LowLowest price in past year$12.01$5.95$21.82$0.45
% of 52W HighCurrent price vs 52-week peak+99.2%+47.3%+69.6%+0.2%
RSI (14)Momentum oscillator 0–10050.339.754.651.3
Avg Volume (50D)Average daily shares traded414324K518K145K
BYNO leads this category, winning 2 of 2 comparable metrics.

Analyst Outlook

Insufficient data to determine a leader in this category.

Analyst consensus: PSFE as "Buy", EVTC as "Buy". Consensus price targets imply 42.7% upside for PSFE (target: $10) vs 12.3% for EVTC (target: $30). EVTC is the only dividend payer here at 0.75% yield — a key consideration for income-focused portfolios.

MetricBYNO logoBYNObyNordic Acquisit…PSFE logoPSFEPaysafe LimitedEVTC logoEVTCEVERTEC, Inc.NXTT logoNXTTNext Technology H…
Analyst RatingConsensus buy/hold/sellBuyBuy
Price TargetConsensus 12-month target$10.13$29.50
# AnalystsCovering analysts1118
Dividend YieldAnnual dividend ÷ price+0.8%
Dividend StreakConsecutive years of raises0
Dividend / ShareAnnual DPS$0.20
Buyback YieldShare repurchases ÷ mkt cap+69.0%+27.6%+4.3%0.0%
Insufficient data to determine a leader in this category.
Key Takeaway

BYNO leads in 2 of 6 categories (Total Returns, Risk & Volatility). PSFE leads in 1 (Valuation Metrics). 1 tied.

Best OverallbyNordic Acquisition Corpor… (BYNO)Leads 2 of 6 categories
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BYNO vs PSFE vs EVTC vs NXTT: Key Questions Answered

10 questions · data-driven answers · updated daily

01

Is BYNO or PSFE or EVTC or NXTT a better buy right now?

For growth investors, Next Technology Holding Inc.

(NXTT) is the stronger pick with 545. 3% revenue growth year-over-year, versus -0. 2% for Paysafe Limited (PSFE). Next Technology Holding Inc. (NXTT) offers the better valuation at 0. 0x trailing P/E, making it the more compelling value choice. Analysts rate Paysafe Limited (PSFE) a "Buy" — based on 11 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.

02

Which has the better valuation — BYNO or PSFE or EVTC or NXTT?

On trailing P/E, Next Technology Holding Inc.

(NXTT) is the cheapest at 0. 0x versus byNordic Acquisition Corporation at 79. 1x. On forward P/E, Paysafe Limited is actually cheaper at 3. 3x — notably different from the trailing picture, reflecting expected earnings growth.

03

Which is the better long-term investment — BYNO or PSFE or EVTC or NXTT?

Over the past 5 years, byNordic Acquisition Corporation (BYNO) delivered a total return of +27.

8%, compared to -100. 0% for Next Technology Holding Inc. (NXTT). Over 10 years, the gap is even starker: EVTC returned +81. 2% versus NXTT's -100. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

04

Which is safer — BYNO or PSFE or EVTC or NXTT?

By beta (market sensitivity over 5 years), byNordic Acquisition Corporation (BYNO) is the lower-risk stock at 0.

11β versus Paysafe Limited's 2. 44β — meaning PSFE is approximately 2087% more volatile than BYNO relative to the S&P 500. On balance sheet safety, Next Technology Holding Inc. (NXTT) carries a lower debt/equity ratio of 0% versus 4% for Paysafe Limited — giving it more financial flexibility in a downturn.

05

Which is growing faster — BYNO or PSFE or EVTC or NXTT?

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

(NXTT) is pulling ahead at 545. 3% versus -0. 2% for Paysafe Limited (PSFE). On earnings-per-share growth, the picture is similar: Next Technology Holding Inc. grew EPS 728. 0% year-over-year, compared to -972. 2% for Paysafe Limited. 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.

06

Which has better profit margins — BYNO or PSFE or EVTC or NXTT?

Next Technology Holding Inc.

(NXTT) is the more profitable company, earning 1233% net margin versus -54. 7% for byNordic Acquisition Corporation — meaning it keeps 1233% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BYNO leads at 24. 0% versus -690. 5% for NXTT. At the gross margin level — before operating expenses — BYNO leads at 50. 0%, 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.

07

Is BYNO or PSFE or EVTC or NXTT more undervalued right now?

On forward earnings alone, Paysafe Limited (PSFE) trades at 3.

3x forward P/E versus 6. 7x for EVERTEC, Inc. — 3. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PSFE: 42. 7% to $10. 13.

08

Which pays a better dividend — BYNO or PSFE or EVTC or NXTT?

In this comparison, EVTC (0.

8% yield) pays a dividend. BYNO, PSFE, NXTT do not pay a meaningful dividend and should not be held primarily for income.

09

Is BYNO or PSFE or EVTC or NXTT better for a retirement portfolio?

For long-horizon retirement investors, byNordic Acquisition Corporation (BYNO) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

11)). Paysafe Limited (PSFE) carries a higher beta of 2. 44 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (BYNO: +27. 8%, PSFE: -94. 1%), 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.

10

What are the main differences between BYNO and PSFE and EVTC and NXTT?

These companies operate in different sectors (BYNO (Financial Services) and PSFE (Technology) and EVTC (Technology) and NXTT (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: BYNO is a small-cap quality compounder stock; PSFE is a small-cap quality compounder stock; EVTC is a small-cap deep-value stock; NXTT is a small-cap high-growth stock. EVTC pays a dividend while BYNO, PSFE, NXTT 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.

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