USIO vs FLYW vs EVTC vs RPAY vs FIS

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. 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 -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.

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, 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, FIS (3.

8% yield), EVTC (0. 8% yield) pay a dividend. USIO, FLYW, RPAY 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). Both have compounded well over 10 years (FIS: -18. 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; FIS is a mid-cap income-oriented stock. EVTC, FIS pay 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.