SOPA vs KPLT vs FOUR vs RELY vs FLYW

For growth investors, Remitly Global, Inc.

(RELY) is the stronger pick with 29. 4% revenue growth year-over-year, versus -13. 0% for Society Pass Incorporated (SOPA). Shift4 Payments, Inc. (FOUR) offers the better valuation at 39. 5x trailing P/E (7. 7x forward), making it the more compelling value choice. Analysts rate Shift4 Payments, Inc. (FOUR) a "Buy" — based on 29 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, Shift4 Payments, Inc.

(FOUR) is the cheapest at 39. 5x versus Flywire Corporation at 156. 6x. On forward P/E, Shift4 Payments, Inc. is actually cheaper at 7. 7x.

Over the past 5 years, Shift4 Payments, Inc.

(FOUR) delivered a total return of -48. 9%, compared to -99. 9% for Society Pass Incorporated (SOPA). Over 10 years, the gap is even starker: FOUR returned +27. 3% versus SOPA's -99. 9%. 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), Katapult Holdings, Inc.

(KPLT) is the lower-risk stock at 0. 04β versus Society Pass Incorporated's 2. 13β — meaning SOPA is approximately 5685% more volatile than KPLT relative to the S&P 500. On balance sheet safety, Remitly Global, Inc. (RELY) carries a lower debt/equity ratio of 25% versus 2% for Shift4 Payments, Inc. — 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 -13. 0% for Society Pass Incorporated (SOPA). On earnings-per-share growth, the picture is similar: Flywire Corporation grew EPS 391. 1% year-over-year, compared to -64. 4% for Shift4 Payments, Inc.. Over a 3-year CAGR, SOPA leads at 139. 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.

Remitly Global, Inc.

(RELY) is the more profitable company, earning 4. 2% net margin versus -143. 9% for Society Pass Incorporated — meaning it keeps 4. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: KPLT leads at 9. 9% versus -131. 2% for SOPA. 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.

On forward earnings alone, Shift4 Payments, Inc.

(FOUR) trades at 7. 7x forward P/E versus 41. 5x for Flywire Corporation — 33. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FOUR: 70. 5% to $72. 79.

In this comparison, FOUR (0.

8% yield) pays a dividend. SOPA, KPLT, RELY, FLYW do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Katapult Holdings, Inc.

(KPLT) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 04)). Society Pass Incorporated (SOPA) carries a higher beta of 2. 13 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (KPLT: -97. 2%, SOPA: -99. 9%), 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: SOPA is a small-cap quality compounder stock; KPLT is a small-cap high-growth stock; FOUR is a small-cap high-growth stock; RELY is a small-cap high-growth stock; FLYW is a small-cap high-growth stock. FOUR pays a dividend while SOPA, KPLT, RELY, FLYW 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.