LSPD
Lightspeed Commerce Inc.
Software - Application
Market Cap$1.34B
5Y Perf.-89.9%
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Stock Comparison
LSPD vs FOUR vs PAR vs FLYW vs TOST
Revenue, margins, valuation, and 5-year total return — side by side.
FOUR
Shift4 Payments, Inc.
Software - Infrastructure
Market Cap$3.81B
5Y Perf.-39.6%
PAR
PAR Technology Corporation
Software - Application
Market Cap$617M
5Y Perf.-75.7%
FLYW
Flywire Corporation
Information Technology Services
Market Cap$2.12B
5Y Perf.-59.6%
TOST
Toast, Inc.
Software - Infrastructure
Market Cap$17.02B
5Y Perf.-41.2%
LSPD vs FOUR vs PAR vs FLYW vs TOST — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | LSPD | FOUR | PAR | FLYW | TOST |
|---|---|---|---|---|---|
| Industry | Software - Application | Software - Infrastructure | Software - Application | Information Technology Services | Software - Infrastructure |
| Market Cap | $1.34B | $3.81B | $617M | $2.12B | $17.02B |
| Revenue (TTM) | $1.19B | $3.33B | $476M | $188.60B | $6.45B |
| Net Income (TTM) | $-693M | $86M | $-76M | $12.54B | $412M |
| Gross Margin | 39.6% | 35.2% | 40.1% | 0.2% | 26.2% |
| Operating Margin | -58.5% | 11.3% | -13.5% | 5.7% | 5.6% |
| Forward P/E | 20.0x | 8.4x | 28.3x | 49.5x | 23.7x |
| Total Debt | $17M | $4.62B | $402M | $0.00 | $40M |
| Cash & Equiv. | $558M | $964M | $80M | $330M | $1.35B |
LSPD vs FOUR vs PAR vs FLYW vs TOST — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
LSPD
FOUR
PAR
FLYW
TOST
| Stock | Sep 21 | May 26 | Return |
|---|---|---|---|
| Lightspeed Commerce… (LSPD) | 100 | 10.1 | -89.9% |
| Shift4 Payments, In… (FOUR) | 100 | 60.4 | -39.6% |
| PAR Technology Corp… (PAR) | 100 | 24.3 | -75.7% |
| Flywire Corporation (FLYW) | 100 | 40.4 | -59.6% |
| Toast, Inc. (TOST) | 100 | 58.8 | -41.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: LSPD vs FOUR vs PAR vs FLYW vs TOST
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: FLYW leads in 3 of 7 categories (5-stock set), making it the strongest pick for profitability and margin quality and capital preservation and lower volatility. Shift4 Payments, Inc. is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. PAR and TOST also each lead in at least one category. As sector peers, any of these can serve as alternatives in the same allocation.
LSPD
Lightspeed Commerce Inc.
The Technology Pick
Among these 5 stocks, LSPD doesn't own a clear edge in any measured category.
Best for: technology exposure
FOUR
Shift4 Payments, Inc.
The Income Pick
FOUR is the #2 pick in this set and the best alternative if income & stability and long-term compounding is your priority.
- Dividend streak 1 yrs, beta 1.51, yield 0.7%
- 39.7% 10Y total return vs PAR's 167.3%
- Lower P/E (8.4x vs 23.7x)
- 0.7% yield; 1-year raise streak; the other 4 pay no meaningful dividend
Best for: income & stability and long-term compounding
PAR
PAR Technology Corporation
The Growth Leader
PAR ranks third and is worth considering specifically for growth.
- 30.2% revenue growth vs LSPD's 18.4%
Best for: growth
FLYW
Flywire Corporation
The Growth Play
FLYW carries the broadest edge in this set and is the clearest fit for growth exposure.
- Rev growth 26.6%, EPS growth 391.1%, 3Y rev CAGR 29.1%
- 6.6% margin vs LSPD's -58.0%
- Beta 1.32 vs LSPD's 1.58
- +62.7% vs PAR's -75.6%
Best for: growth exposure
TOST
Toast, Inc.
The Defensive Pick
TOST is the clearest fit if your priority is sleep-well-at-night and defensive.
- Lower volatility, beta 1.44, Low D/E 1.9%, current ratio 2.75x
- Beta 1.44, current ratio 2.75x
- 13.8% ROA vs LSPD's -41.3%, ROIC 30.8% vs -36.8%
Best for: sleep-well-at-night and defensive
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | PAR | 30.2% revenue growth vs LSPD's 18.4% |
| Value | FOUR | Lower P/E (8.4x vs 23.7x) |
| Quality / Margins | FLYW | 6.6% margin vs LSPD's -58.0% |
| Stability / Safety | FLYW | Beta 1.32 vs LSPD's 1.58 |
| Dividends | FOUR | 0.7% yield; 1-year raise streak; the other 4 pay no meaningful dividend |
| Momentum (1Y) | FLYW | +62.7% vs PAR's -75.6% |
| Efficiency (ROA) | TOST | 13.8% ROA vs LSPD's -41.3%, ROIC 30.8% vs -36.8% |
LSPD vs FOUR vs PAR vs FLYW vs TOST — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
FY 2025
FY 2025
FY 2025
LSPD vs FOUR vs PAR vs FLYW vs TOST — Financial Metrics
Side-by-side numbers across 5 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLFLYWLAGGINGPAR
Who Leads Where
FLYW leads in 2 of 6 categories
FOUR leads 1 • TOST leads 1 • LSPD leads 0 • PAR leads 0 • 1 tied
Explore the data ↓PARPAR Technology Corpor…
0leads
LSPDLightspeed Commerce I…
0leads
TOSTToast, Inc.
1leads
FOURShift4 Payments, Inc.
1leads
FLYWFlywire Corporation
2leads
6 Total Categories
CATEGORYLEADERvs FOURvs TOSTMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
FLYW3/6
Valuation MetricsMultiples, price ratios, and targets
FOUR4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
TOST6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
FLYW2/2
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
FLYW leads this category, winning 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
FLYW is the larger business by revenue, generating $188.6B annually — 396.5x PAR's $476M. FLYW is the more profitable business, keeping 6.6% of every revenue dollar as net income compared to LSPD's -58.0%. On growth, FLYW holds the edge at +1408.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | LSPDLightspeed Commer… | FOURShift4 Payments, … | PARPAR Technology Co… | FLYWFlywire Corporati… | TOSTToast, Inc. |
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $1.2B | $3.3B | $476M | $188.6B | $6.4B |
| EBITDAEarnings before interest/tax | -$562M | $629M | -$27M | $10.8B | $409M |
| Net IncomeAfter-tax profit | -$693M | $86M | -$76M | $12.5B | $412M |
| Free Cash FlowCash after capex | $31M | $687M | -$29M | -$15.8B | $654M |
| Gross MarginGross profit ÷ Revenue | +39.6% | +35.2% | +40.1% | +0.2% | +26.2% |
| Operating MarginEBIT ÷ Revenue | -58.5% | +11.3% | -13.5% | +5.7% | +5.6% |
| Net MarginNet income ÷ Revenue | -58.0% | +2.6% | -16.0% | +6.6% | +6.4% |
| FCF MarginFCF ÷ Revenue | +2.6% | +20.6% | -6.0% | -8.4% | +10.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | +11.5% | -100.0% | +19.4% | +1408.6% | +21.9% |
| EPS Growth (YoY)Latest quarter vs prior year | -41.2% | -105.0% | +36.1% | +4.0% | +127.5% |
FLYW leads this category, winning 3 of 6 comparable metrics.
Valuation Metrics
FOUR leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 43.4x trailing earnings, FOUR trades at a 73% valuation discount to FLYW's 161.2x P/E. On an enterprise value basis, FOUR's 9.5x EV/EBITDA is more attractive than FLYW's 47.8x.
| Metric | LSPDLightspeed Commer… | FOURShift4 Payments, … | PARPAR Technology Co… | FLYWFlywire Corporati… | TOSTToast, Inc. |
|---|---|---|---|---|---|
| Market CapShares × price | $1.3B | $3.8B | $617M | $2.1B | $17.0B |
| Enterprise ValueMkt cap + debt − cash | $801M | $7.5B | $940M | $1.8B | $15.7B |
| Trailing P/EPrice ÷ TTM EPS | -2.25x | 43.39x | -7.16x | 161.18x | 52.43x |
| Forward P/EPrice ÷ next-FY EPS est. | 20.04x | 8.41x | 28.32x | 49.50x | 23.69x |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | — | — |
| EV / EBITDAEnterprise value multiple | — | 9.53x | — | 47.80x | 42.22x |
| Price / SalesMarket cap ÷ Revenue | 1.25x | 0.91x | 1.36x | 3.40x | 2.77x |
| Price / BookPrice ÷ Book value/share | 0.90x | 2.13x | 0.73x | 2.71x | 8.39x |
| Price / FCFMarket cap ÷ FCF | — | 7.63x | — | 21.41x | 27.99x |
FOUR leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
TOST leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
TOST delivers a 20.7% return on equity — every $100 of shareholder capital generates $21 in annual profit, vs $-46 for LSPD. LSPD carries lower financial leverage with a 0.01x debt-to-equity ratio, signaling a more conservative balance sheet compared to FOUR's 2.36x. On the Piotroski fundamental quality scale (0–9), FOUR scores 7/9 vs PAR's 2/9, reflecting strong financial health.
| Metric | LSPDLightspeed Commer… | FOURShift4 Payments, … | PARPAR Technology Co… | FLYWFlywire Corporati… | TOSTToast, Inc. |
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | -46.1% | +4.4% | -9.1% | +5.9% | +20.7% |
| ROA (TTM)Return on assets | -41.3% | +1.0% | -5.5% | +4.3% | +13.8% |
| ROICReturn on invested capital | -36.8% | +6.3% | -4.2% | +2.1% | +30.8% |
| ROCEReturn on capital employed | -33.9% | +6.3% | -5.1% | +1.3% | +15.9% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 7 | 2 | 6 | 7 |
| Debt / EquityFinancial leverage | 0.01x | 2.36x | 0.49x | — | 0.02x |
| Net DebtTotal debt minus cash | -$541M | $3.7B | $323M | -$330M | -$1.3B |
| Cash & Equiv.Liquid assets | $558M | $964M | $80M | $330M | $1.4B |
| Total DebtShort + long-term debt | $17M | $4.6B | $402M | $0 | $40M |
| Interest CoverageEBIT ÷ Interest expense | -510.59x | 3.40x | -21.71x | 1.84x | — |
TOST leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — FLYW and TOST each lead in 2 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FOUR five years ago would be worth $5,364 today (with dividends reinvested), compared to $1,561 for LSPD. Over the past 12 months, FLYW leads with a +62.7% total return vs PAR's -75.6%. The 3-year compound annual growth rate (CAGR) favors TOST at 14.9% vs PAR's -20.2% — a key indicator of consistent wealth creation.
| Metric | LSPDLightspeed Commer… | FOURShift4 Payments, … | PARPAR Technology Co… | FLYWFlywire Corporati… | TOSTToast, Inc. |
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | -16.7% | -25.2% | -58.1% | +27.6% | -13.7% |
| 1-Year ReturnPast 12 months | +0.3% | -43.7% | -75.6% | +62.7% | -17.4% |
| 3-Year ReturnCumulative with dividends | -33.0% | -24.0% | -49.2% | -40.1% | +51.7% |
| 5-Year ReturnCumulative with dividends | -84.4% | -46.4% | -80.9% | -49.5% | -53.0% |
| 10-Year ReturnCumulative with dividends | -70.3% | +39.7% | +167.3% | -49.5% | -53.0% |
| CAGR (3Y)Annualised 3-year return | -12.5% | -8.7% | -20.2% | -15.7% | +14.9% |
Evenly matched — FLYW and TOST each lead in 2 of 6 comparable metrics.
Risk & Volatility
FLYW leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
FLYW is the less volatile stock with a 1.32 beta — it tends to amplify market swings less than LSPD's 1.58 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. FLYW currently trades 98.2% from its 52-week high vs PAR's 20.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | LSPDLightspeed Commer… | FOURShift4 Payments, … | PARPAR Technology Co… | FLYWFlywire Corporati… | TOSTToast, Inc. |
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.58x | 1.51x | 1.54x | 1.32x | 1.44x |
| 52-Week HighHighest price in past year | $14.34 | $108.50 | $72.15 | $18.05 | $49.66 |
| 52-Week LowLowest price in past year | $8.37 | $39.91 | $11.59 | $9.79 | $24.35 |
| % of 52W HighCurrent price vs 52-week peak | +68.2% | +43.2% | +20.7% | +98.2% | +59.1% |
| RSI (14)Momentum oscillator 0–100 | 53.2 | 43.3 | 47.3 | 83.0 | 50.5 |
| Avg Volume (50D)Average daily shares traded | 831K | 2.2M | 1.9M | 1.9M | 9.9M |
FLYW leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Analyst consensus: LSPD as "Buy", FOUR as "Buy", PAR as "Buy", FLYW as "Buy", TOST as "Buy". Consensus price targets imply 67.0% upside for PAR (target: $25) vs -1.3% for FLYW (target: $18). FOUR is the only dividend payer here at 0.72% yield — a key consideration for income-focused portfolios.
| Metric | LSPDLightspeed Commer… | FOURShift4 Payments, … | PARPAR Technology Co… | FLYWFlywire Corporati… | TOSTToast, Inc. |
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy | Buy | Buy | Buy |
| Price TargetConsensus 12-month target | $12.30 | $73.36 | $25.00 | $17.50 | $39.76 |
| # AnalystsCovering analysts | 15 | 29 | 11 | 19 | 29 |
| Dividend YieldAnnual dividend ÷ price | — | +0.7% | — | — | — |
| Dividend StreakConsecutive years of raises | — | 1 | 1 | — | — |
| Dividend / ShareAnnual DPS | — | $0.34 | — | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | +9.9% | +12.8% | +1.1% | +3.7% | +0.6% |
Insufficient data to determine a leader in this category.
Key Takeaway
FLYW leads in 2 of 6 categories (Income & Cash Flow, Risk & Volatility). FOUR leads in 1 (Valuation Metrics). 1 tied.
Best OverallFlywire Corporation (FLYW)Leads 2 of 6 categories
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LSPD vs FOUR vs PAR vs FLYW vs TOST: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is LSPD or FOUR or PAR or FLYW or TOST a better buy right now?
For growth investors, PAR Technology Corporation (PAR) is the stronger pick with 30.
2% revenue growth year-over-year, versus 18. 4% for Lightspeed Commerce Inc. (LSPD). Shift4 Payments, Inc. (FOUR) offers the better valuation at 43. 4x trailing P/E (8. 4x forward), making it the more compelling value choice. Analysts rate Lightspeed Commerce Inc. (LSPD) a "Buy" — based on 15 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.
02Which has the better valuation — LSPD or FOUR or PAR or FLYW or TOST?
On trailing P/E, Shift4 Payments, Inc.
(FOUR) is the cheapest at 43. 4x versus Flywire Corporation at 161. 2x. On forward P/E, Shift4 Payments, Inc. is actually cheaper at 8. 4x.
03Which is the better long-term investment — LSPD or FOUR or PAR or FLYW or TOST?
Over the past 5 years, Shift4 Payments, Inc.
(FOUR) delivered a total return of -46. 4%, compared to -84. 4% for Lightspeed Commerce Inc. (LSPD). Over 10 years, the gap is even starker: PAR returned +167. 3% versus LSPD's -70. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — LSPD or FOUR or PAR or FLYW or TOST?
By beta (market sensitivity over 5 years), Flywire Corporation (FLYW) is the lower-risk stock at 1.
32β versus Lightspeed Commerce Inc. 's 1. 58β — meaning LSPD is approximately 20% more volatile than FLYW relative to the S&P 500. On balance sheet safety, Lightspeed Commerce Inc. (LSPD) carries a lower debt/equity ratio of 1% versus 2% for Shift4 Payments, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — LSPD or FOUR or PAR or FLYW or TOST?
By revenue growth (latest reported year), PAR Technology Corporation (PAR) is pulling ahead at 30.
2% versus 18. 4% for Lightspeed Commerce Inc. (LSPD). On earnings-per-share growth, the picture is similar: Toast, Inc. grew EPS 1639% year-over-year, compared to -1392. 9% for PAR Technology Corporation. Over a 3-year CAGR, TOST leads at 31. 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.
06Which has better profit margins — LSPD or FOUR or PAR or FLYW or TOST?
Toast, Inc.
(TOST) is the more profitable company, earning 5. 6% net margin versus -62. 0% for Lightspeed Commerce Inc. — meaning it keeps 5. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FOUR leads at 8. 4% versus -64. 6% for LSPD. At the gross margin level — before operating expenses — FLYW leads at 61. 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.
07Is LSPD or FOUR or PAR or FLYW or TOST more undervalued right now?
On forward earnings alone, Shift4 Payments, Inc.
(FOUR) trades at 8. 4x forward P/E versus 49. 5x for Flywire Corporation — 41. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PAR: 67. 0% to $25. 00.
08Which pays a better dividend — LSPD or FOUR or PAR or FLYW or TOST?
In this comparison, FOUR (0.
7% yield) pays a dividend. LSPD, PAR, FLYW, TOST do not pay a meaningful dividend and should not be held primarily for income.
09Is LSPD or FOUR or PAR or FLYW or TOST better for a retirement portfolio?
For long-horizon retirement investors, Shift4 Payments, Inc.
(FOUR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (0. 7% yield). Lightspeed Commerce Inc. (LSPD) carries a higher beta of 1. 58 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (FOUR: +39. 7%, LSPD: -70. 3%), 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.
10What are the main differences between LSPD and FOUR and PAR and FLYW and TOST?
Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
FOUR pays a dividend while LSPD, PAR, FLYW, TOST 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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