NTWK vs EXLS vs EPAM vs CTSH vs GLOB

For growth investors, EPAM Systems, Inc.

(EPAM) is the stronger pick with 15. 4% revenue growth year-over-year, versus 7. 0% for Cognizant Technology Solutions Corporation (CTSH). Globant S. A. (GLOB) offers the better valuation at 10. 5x trailing P/E (6. 3x forward), making it the more compelling value choice. Analysts rate ExlService Holdings, Inc. (EXLS) a "Buy" — based on 19 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, Globant S.

A. (GLOB) is the cheapest at 10. 5x versus ExlService Holdings, Inc. at 20. 2x. On forward P/E, Globant S. A. is actually cheaper at 6. 3x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Globant S. A. wins at 0. 30x versus EPAM Systems, Inc. 's 2. 07x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, ExlService Holdings, Inc.

(EXLS) delivered a total return of +58. 5%, compared to -81. 6% for Globant S. A. (GLOB). Over 10 years, the gap is even starker: EXLS returned +218. 8% versus NTWK's -38. 1%. 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), ExlService Holdings, Inc.

(EXLS) is the lower-risk stock at 0. 64β versus Globant S. A. 's 1. 56β — meaning GLOB is approximately 142% more volatile than EXLS relative to the S&P 500. On balance sheet safety, EPAM Systems, Inc. (EPAM) carries a lower debt/equity ratio of 4% versus 44% for ExlService Holdings, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), EPAM Systems, Inc.

(EPAM) is pulling ahead at 15. 4% versus 7. 0% for Cognizant Technology Solutions Corporation (CTSH). On earnings-per-share growth, the picture is similar: NetSol Technologies, Inc. grew EPS 316. 7% year-over-year, compared to -14. 3% for EPAM Systems, Inc.. Over a 3-year CAGR, GLOB leads at 23. 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.

ExlService Holdings, Inc.

(EXLS) is the more profitable company, earning 12. 0% net margin versus 4. 4% for NetSol Technologies, Inc. — meaning it keeps 12. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CTSH leads at 16. 7% versus 5. 3% for NTWK. At the gross margin level — before operating expenses — NTWK leads at 49. 3%, 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, Globant S. A. (GLOB) is the more undervalued stock at a PEG of 0. 30x versus EPAM Systems, Inc. 's 2. 07x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Globant S. A. (GLOB) trades at 6. 3x forward P/E versus 13. 9x for ExlService Holdings, Inc. — 7. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for EPAM: 59. 2% to $158. 00.

In this comparison, CTSH (2.

4% yield) pays a dividend. NTWK, EXLS, EPAM, GLOB do not pay a meaningful dividend and should not be held primarily for income.

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

71), 2. 4% yield). Globant S. A. (GLOB) carries a higher beta of 1. 56 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (CTSH: -0. 4%, GLOB: +8. 8%), 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: NTWK is a small-cap deep-value stock; EXLS is a small-cap quality compounder stock; EPAM is a small-cap high-growth stock; CTSH is a mid-cap deep-value stock; GLOB is a small-cap high-growth stock. CTSH pays a dividend while NTWK, EXLS, EPAM, GLOB 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.