EVTC vs GPN vs FIS vs PAYO vs FLYW

For growth investors, Flywire Corporation (FLYW) is the stronger pick with 26.

6% revenue growth year-over-year, versus -23. 7% for Global Payments Inc. (GPN). 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.

On trailing P/E, EVERTEC, Inc.

(EVTC) is the cheapest at 10. 9x versus Flywire Corporation at 156. 6x. On forward P/E, Global Payments Inc. is actually cheaper at 5. 0x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Global Payments Inc. wins at 0. 20x versus EVERTEC, Inc. 's 0. 68x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, EVERTEC, Inc.

(EVTC) delivered a total return of -41. 8%, compared to -65. 1% for Fidelity National Information Services, Inc. (FIS). Over 10 years, the gap is even starker: EVTC returned +94. 4% versus FLYW's -50. 9%. 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. 65β versus Payoneer Global Inc. 's 1. 64β — meaning PAYO is approximately 152% more volatile than FIS relative to the S&P 500. On balance sheet safety, Payoneer Global Inc. (PAYO) carries a lower debt/equity ratio of 10% versus 158% for EVERTEC, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Flywire Corporation (FLYW) is pulling ahead at 26.

6% versus -23. 7% for Global Payments Inc. (GPN). On earnings-per-share growth, the picture is similar: Flywire Corporation grew EPS 391. 1% year-over-year, compared to -47. 2% for Fidelity National Information Services, Inc.. Over a 3-year CAGR, FLYW leads at 29. 1% 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.

Global Payments Inc.

(GPN) is the more profitable company, earning 18. 2% net margin versus 2. 2% for Flywire Corporation — meaning it keeps 18. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: EVTC leads at 20. 0% versus 1. 8% for FLYW. At the gross margin level — before operating expenses — PAYO leads at 78. 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, Global Payments Inc. (GPN) is the more undervalued stock at a PEG of 0. 20x versus EVERTEC, Inc. 's 0. 68x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Global Payments Inc. (GPN) trades at 5. 0x forward P/E versus 41. 5x for Flywire Corporation — 36. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PAYO: 55. 0% to $8. 00.

In this comparison, FIS (3.

8% yield), GPN (1. 4% yield), EVTC (0. 8% yield) pay a dividend. PAYO, FLYW 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. 65), 3. 8% yield). Payoneer Global Inc. (PAYO) carries a higher beta of 1. 64 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (FIS: -18. 4%, PAYO: -46. 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.

These companies operate in different sectors (EVTC (Technology) and GPN (Industrials) and FIS (Technology) and PAYO (Technology) and FLYW (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: EVTC is a small-cap deep-value stock; GPN is a mid-cap deep-value stock; FIS is a mid-cap income-oriented stock; PAYO is a small-cap quality compounder stock; FLYW is a small-cap high-growth stock. EVTC, GPN, FIS pay a dividend while PAYO, FLYW 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.