CTLP vs IIIV vs FIS vs FISV

For growth investors, Cantaloupe, Inc.

(CTLP) is the stronger pick with 12. 6% revenue growth year-over-year, versus -7. 3% for i3 Verticals, Inc. (IIIV). 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 Cantaloupe, Inc. (CTLP) a "Buy" — based on 5 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, Cantaloupe, Inc.

(CTLP) delivered a total return of +1. 1%, compared to -63. 2% for Fidelity National Information Services, Inc. (FIS). Over 10 years, the gap is even starker: CTLP returned +141. 9% versus FIS's -13. 2%. 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), Cantaloupe, Inc.

(CTLP) is the lower-risk stock at 0. 38β versus Fiserv, Inc. 's 0. 94β — meaning FISV is approximately 150% more volatile than CTLP relative to the S&P 500. On balance sheet safety, i3 Verticals, Inc. (IIIV) carries a lower debt/equity ratio of 1% versus 113% for Fiserv, Inc. — giving it more financial flexibility in a downturn.

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

(CTLP) is pulling ahead at 12. 6% versus -7. 3% for i3 Verticals, Inc. (IIIV). On earnings-per-share growth, the picture is similar: Cantaloupe, Inc. grew EPS 473. 3% year-over-year, compared to -87. 9% for i3 Verticals, Inc.. Over a 3-year CAGR, CTLP leads at 13. 8% 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.

Cantaloupe, Inc.

(CTLP) is the more profitable company, earning 21. 3% net margin versus 3. 6% for Fidelity National Information Services, Inc. — meaning it keeps 21. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FISV leads at 26. 9% versus 1. 9% for IIIV. At the gross margin level — before operating expenses — FISV leads at 59. 4%, 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 27. 3x for Cantaloupe, Inc. — 20. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FIS: 42. 6% to $67. 38.

In this comparison, FIS (3.

5% yield) pays a dividend. CTLP, IIIV, 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%, FISV: +9. 7%), 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: CTLP is a small-cap deep-value stock; IIIV 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 CTLP, IIIV, 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.