PAGS vs TOST vs FOUR vs RELY vs PYPL

For growth investors, Remitly Global, Inc.

(RELY) is the stronger pick with 29. 4% revenue growth year-over-year, versus 4. 3% for PayPal Holdings, Inc. (PYPL). PagSeguro Digital Ltd. (PAGS) offers the better valuation at 7. 2x trailing P/E (1. 1x forward), making it the more compelling value choice. Analysts rate PagSeguro Digital Ltd. (PAGS) a "Buy" — based on 24 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, PagSeguro Digital Ltd.

(PAGS) is the cheapest at 7. 2x versus Remitly Global, Inc. at 73. 5x. On forward P/E, PagSeguro Digital Ltd. is actually cheaper at 1. 1x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: PagSeguro Digital Ltd. wins at 0. 09x versus PayPal Holdings, Inc. 's 0. 98x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Shift4 Payments, Inc.

(FOUR) delivered a total return of -46. 4%, compared to -81. 6% for PayPal Holdings, Inc. (PYPL). Over 10 years, the gap is even starker: FOUR returned +39. 7% versus PAGS's -62. 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), Remitly Global, Inc.

(RELY) is the lower-risk stock at 1. 19β versus PagSeguro Digital Ltd. 's 1. 70β — meaning PAGS is approximately 43% more volatile than RELY relative to the S&P 500. On balance sheet safety, Toast, Inc. (TOST) carries a lower debt/equity ratio of 2% versus 2% for PagSeguro Digital Ltd. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Remitly Global, Inc.

(RELY) is pulling ahead at 29. 4% versus 4. 3% for PayPal Holdings, Inc. (PYPL). On earnings-per-share growth, the picture is similar: Toast, Inc. grew EPS 1639% year-over-year, compared to -64. 4% for Shift4 Payments, Inc.. Over a 3-year CAGR, RELY leads at 35. 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.

PayPal Holdings, Inc.

(PYPL) is the more profitable company, earning 15. 8% net margin versus 2. 8% for Shift4 Payments, Inc. — meaning it keeps 15. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PAGS leads at 37. 5% versus 5. 0% for TOST. At the gross margin level — before operating expenses — RELY leads at 57. 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, PagSeguro Digital Ltd. (PAGS) is the more undervalued stock at a PEG of 0. 09x versus PayPal Holdings, Inc. 's 0. 98x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, PagSeguro Digital Ltd. (PAGS) trades at 1. 1x forward P/E versus 44. 1x for Remitly Global, Inc. — 42. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FOUR: 56. 6% to $73. 36.

In this comparison, PAGS (4.

1% yield), FOUR (0. 7% yield), PYPL (0. 3% yield) pay a dividend. TOST, RELY do not pay a meaningful dividend and should not be held primarily for income.

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). Both have compounded well over 10 years (FOUR: +39. 7%, TOST: -53. 0%), 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 (PAGS (Technology) and TOST (Technology) and FOUR (Technology) and RELY (Technology) and PYPL (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: PAGS is a small-cap deep-value stock; TOST is a mid-cap high-growth stock; FOUR is a small-cap high-growth stock; RELY is a small-cap high-growth stock; PYPL is a mid-cap deep-value stock. PAGS, FOUR pay a dividend while TOST, RELY, PYPL 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.