PAY vs RPAY vs PRTH vs FLYW vs IIIV

For growth investors, Paymentus Holdings, Inc.

(PAY) is the stronger pick with 37. 3% revenue growth year-over-year, versus -7. 3% for i3 Verticals, Inc. (IIIV). Priority Technology Holdings, Inc. (PRTH) offers the better valuation at 8. 3x trailing P/E (5. 9x forward), making it the more compelling value choice. Analysts rate Repay Holdings Corporation (RPAY) a "Buy" — based on 17 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, Priority Technology Holdings, Inc.

(PRTH) is the cheapest at 8. 3x versus Flywire Corporation at 156. 6x. On forward P/E, Repay Holdings Corporation is actually cheaper at 3. 8x — notably different from the trailing picture, reflecting expected earnings growth.

Over the past 5 years, Paymentus Holdings, Inc.

(PAY) delivered a total return of -6. 9%, compared to -83. 0% for Repay Holdings Corporation (RPAY). Over 10 years, the gap is even starker: IIIV returned +15. 2% versus RPAY's -63. 3%. 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), i3 Verticals, Inc.

(IIIV) is the lower-risk stock at 0. 85β versus Priority Technology Holdings, Inc. 's 2. 00β — meaning PRTH is approximately 136% more volatile than IIIV relative to the S&P 500. On balance sheet safety, i3 Verticals, Inc. (IIIV) carries a lower debt/equity ratio of 1% versus 91% for Repay Holdings Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Paymentus Holdings, Inc.

(PAY) is pulling ahead at 37. 3% versus -7. 3% for i3 Verticals, Inc. (IIIV). On earnings-per-share growth, the picture is similar: Flywire Corporation grew EPS 391. 1% year-over-year, compared to -26. 3% for Repay Holdings Corporation. Over a 3-year CAGR, PAY leads at 34. 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.

i3 Verticals, Inc.

(IIIV) is the more profitable company, earning 8. 4% net margin versus -83. 0% for Repay Holdings Corporation — meaning it keeps 8. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PRTH leads at 14. 8% versus -3. 9% for RPAY. At the gross margin level — before operating expenses — RPAY leads at 75. 0%, 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.

On forward earnings alone, Repay Holdings Corporation (RPAY) trades at 3.

8x forward P/E versus 41. 5x for Flywire Corporation — 37. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PRTH: 113. 5% to $12. 00.

None of the stocks in this comparison currently pay a material dividend.

All are effectively zero-yield and should be held for capital appreciation rather than income.

For long-horizon retirement investors, i3 Verticals, Inc.

(IIIV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 85)). Priority Technology Holdings, Inc. (PRTH) carries a higher beta of 2. 00 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (IIIV: +15. 2%, PRTH: -42. 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.

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: PAY is a small-cap high-growth stock; RPAY is a small-cap quality compounder stock; PRTH is a small-cap deep-value stock; FLYW is a small-cap high-growth stock; IIIV is a small-cap quality compounder stock. 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.