NEWTI vs INTU vs PYPL vs FISV

For growth investors, Intuit Inc.

(INTU) is the stronger pick with 15. 6% revenue growth year-over-year, versus 1. 0% for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 (NEWTI). PayPal Holdings, Inc. (PYPL) offers the better valuation at 8. 5x trailing P/E (8. 7x forward), making it the more compelling value choice. Analysts rate Intuit Inc. (INTU) a "Buy" — based on 43 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, PayPal Holdings, Inc.

(PYPL) is the cheapest at 8. 5x versus Intuit Inc. at 29. 8x. On forward P/E, Fiserv, Inc. is actually cheaper at 7. 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: Fiserv, Inc. wins at 0. 20x versus NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028's 1. 33x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, NewtekOne, Inc.

8. 00% Fixed Rate Senior Notes due 2028 (NEWTI) delivered a total return of +23. 7%, compared to -81. 6% for PayPal Holdings, Inc. (PYPL). Over 10 years, the gap is even starker: INTU returned +326. 4% versus FISV's +9. 7%. 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), NewtekOne, Inc.

8. 00% Fixed Rate Senior Notes due 2028 (NEWTI) is the lower-risk stock at 0. 53β versus PayPal Holdings, Inc. 's 1. 39β — meaning PYPL is approximately 162% more volatile than NEWTI relative to the S&P 500. On balance sheet safety, Intuit Inc. (INTU) carries a lower debt/equity ratio of 34% versus 6% for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 — giving it more financial flexibility in a downturn.

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

(INTU) is pulling ahead at 15. 6% versus 1. 0% for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 (NEWTI). On earnings-per-share growth, the picture is similar: PayPal Holdings, Inc. grew EPS 35. 6% year-over-year, compared to 17. 8% for Fiserv, Inc.. Over a 3-year CAGR, INTU leads at 14. 0% 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.

Intuit Inc.

(INTU) is the more profitable company, earning 20. 5% net margin versus 15. 8% for PayPal Holdings, Inc. — meaning it keeps 20. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NEWTI leads at 42. 5% versus 18. 3% for PYPL. At the gross margin level — before operating expenses — INTU leads at 80. 8%, 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 NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028's 1. 33x. 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 17. 5x for Intuit Inc. — 10. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for INTU: 63. 9% to $666. 75.

In this comparison, NEWTI (4.

3% yield), INTU (1. 0% yield), PYPL (0. 3% yield) pay a dividend. FISV does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Intuit Inc.

(INTU) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 61), 1. 0% yield, +326. 4% 10Y return). Both have compounded well over 10 years (INTU: +326. 4%, PYPL: +17. 4%), 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 (NEWTI (Financial Services) and INTU (Technology) and PYPL (Financial Services) and FISV (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: NEWTI is a small-cap deep-value stock; INTU is a mid-cap high-growth stock; PYPL is a mid-cap deep-value stock; FISV is a mid-cap deep-value stock. NEWTI, INTU pay a dividend while PYPL, 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.