USIO vs FLYW vs EVTC vs RPAY

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

6% revenue growth year-over-year, versus -1. 2% for Repay Holdings Corporation (RPAY). 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, Repay Holdings Corporation is actually cheaper at 3. 8x — notably different from the trailing picture, reflecting expected earnings growth.

Over the past 5 years, EVERTEC, Inc.

(EVTC) delivered a total return of -41. 8%, compared to -83. 0% for Repay Holdings Corporation (RPAY). Over 10 years, the gap is even starker: EVTC returned +94. 4% 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), Usio, Inc.

(USIO) is the lower-risk stock at 0. 59β versus Flywire Corporation's 1. 48β — meaning FLYW is approximately 153% more volatile than USIO relative to the S&P 500. On balance sheet safety, Usio, Inc. (USIO) carries a lower debt/equity ratio of 14% 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 -1. 2% for Repay Holdings Corporation (RPAY). 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, 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 -83. 0% for Repay Holdings Corporation — 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 -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 RPAY: 58. 2% to $5. 60.

In this comparison, EVTC (0.

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

For long-horizon retirement investors, EVERTEC, Inc.

(EVTC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 77), 0. 8% yield). Both have compounded well over 10 years (EVTC: +94. 4%, FLYW: -50. 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: USIO is a small-cap quality compounder stock; FLYW is a small-cap high-growth stock; EVTC is a small-cap deep-value stock; RPAY is a small-cap quality compounder stock. EVTC pays a dividend while USIO, FLYW, RPAY 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.