UP vs FLYW vs EVTC vs PAYO vs FIS

For growth investors, Flywire Corporation (FLYW) is the stronger pick with 26.

6% revenue growth year-over-year, versus -7. 0% for Wheels Up Experience Inc. (UP). EVERTEC, Inc. (EVTC) offers the better valuation at 10. 9x trailing P/E (6. 1x forward), making it the more compelling value choice. Analysts rate Flywire Corporation (FLYW) 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, EVERTEC, Inc.

(EVTC) is the cheapest at 10. 9x versus Flywire Corporation at 156. 6x. On forward P/E, EVERTEC, Inc. is actually cheaper at 6. 1x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Fidelity National Information Services, Inc. wins at 0. 28x versus EVERTEC, Inc. 's 0. 68x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, EVERTEC, Inc.

(EVTC) delivered a total return of -41. 8%, compared to -99. 7% for Wheels Up Experience Inc. (UP). Over 10 years, the gap is even starker: EVTC returned +94. 4% versus UP's -99. 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), Fidelity National Information Services, Inc.

(FIS) is the lower-risk stock at 0. 65β versus Wheels Up Experience Inc. 's 2. 33β — meaning UP is approximately 259% more volatile than FIS relative to the S&P 500. On balance sheet safety, Payoneer Global Inc. (PAYO) carries a lower debt/equity ratio of 10% versus 158% for EVERTEC, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Flywire Corporation (FLYW) is pulling ahead at 26.

6% versus -7. 0% for Wheels Up Experience Inc. (UP). On earnings-per-share growth, the picture is similar: Flywire Corporation grew EPS 391. 1% year-over-year, compared to -47. 2% for Fidelity National Information Services, Inc.. Over a 3-year CAGR, FLYW leads at 29. 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.

EVERTEC, Inc.

(EVTC) is the more profitable company, earning 15. 2% net margin versus -39. 9% for Wheels Up Experience Inc. — meaning it keeps 15. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: EVTC leads at 20. 0% versus -34. 3% for UP. At the gross margin level — before operating expenses — PAYO leads at 78. 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, Fidelity National Information Services, Inc. (FIS) is the more undervalued stock at a PEG of 0. 28x versus EVERTEC, Inc. 's 0. 68x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, EVERTEC, Inc. (EVTC) trades at 6. 1x forward P/E versus 41. 5x for Flywire Corporation — 35. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for UP: 8219. 5% to $500. 00.

In this comparison, FIS (3.

8% yield), EVTC (0. 8% yield) pay a dividend. UP, FLYW, PAYO do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Fidelity National Information Services, Inc.

(FIS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 65), 3. 8% yield). Wheels Up Experience Inc. (UP) carries a higher beta of 2. 33 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (FIS: -18. 4%, UP: -99. 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.

These companies operate in different sectors (UP (Industrials) and FLYW (Technology) and EVTC (Technology) and PAYO (Technology) and FIS (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: UP is a small-cap quality compounder stock; FLYW is a small-cap high-growth stock; EVTC is a small-cap deep-value stock; PAYO is a small-cap quality compounder stock; FIS is a mid-cap income-oriented stock. EVTC, FIS pay a dividend while UP, FLYW, PAYO 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.