LSPD vs XYZ vs PAR Stock Comparison

Lightspeed Commerce, Block and Par Technology Prices as of Oct 28, 2026 Peers: Industry group
LSPD Lightspeed Commerce Inc.
$10.89 +12.4% 1M -13.6% 1Y
Market cap
$1.51B
P/E
–
Revenue (TTM)
$1.24B
Div. yield
–
Restaurant and Retail Software Technology
2 wins
XYZ Block, Inc.
$75.21 +2.6% 1M -6.2% 1Y
Market cap
$46.06B
P/E
129.0x
Revenue (TTM)
$25.04B
Div. yield
–
Payment Processing Technology
6 wins
PAR Par Technology Corp
$17.18 +26.0% 1M -51.7% 1Y
Market cap
$720.35M
P/E
–
Revenue (TTM)
$496.67M
Div. yield
–
Restaurant and Retail Software Technology
2 wins

Head to Head

10 decided of 12

Block leads on 6 of the 12 questions below (Block 6, Lightspeed Commerce 2, Par Technology 2). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionLSPDXYZPARLeader
Larger companyMarket capitalisation $1.51B $46.06B $720.35M XYZ
Cheaper on earningsLower P/E, profitable companies only -15.5x 129.0x -10.0x –
Cheaper on forward earningsLower price / next fiscal year consensus EPS 18.2x 19.3x 23.5x LSPD
Faster revenue growthRevenue growth, trailing twelve months +11.6% +5.1% +18.8% PAR
More profitableNet margin, trailing twelve months -7.8% 1.4% -14.5% XYZ
Better return on capitalReturn on invested capital — 2.0% -5.0% XYZ
Less leveragedLower net debt / EBITDA — 0.3x -26.6x PAR
Higher dividend yieldTrailing dividend yield 0.00% 0.00% 0.00% –
Better 1-year returnPrice return, last 12 months -13.6% -6.2% -51.7% XYZ
Better 5-year returnAnnualised price return, 5 years -35.5%/yr -21.6%/yr -22.9%/yr XYZ
Less volatileAnnualised volatility, 1 year 44.5% 46.4% 71.3% LSPD
Higher overall scoreMean of the five percentile scores vs peers 72/100 73/100 50/100 XYZ

Percentile Scorecard

LSPDXYZPAR

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisLSPDXYZPAR
Valuation 60 #36 of 89 83 #18 of 99 46 #49 of 89
Growth 94 #6 of 81 82 #18 of 94 55 #37 of 81
Profitability 40 #46 of 76 65 #32 of 90 32 #52 of 76
Financial Health 83 #17 of 94 68 #34 of 105 46 #51 of 94
Shareholder Returns 82 #10 of 52 67 #20 of 59 73 #15 of 52
Overall 72 73 50
  • LSPD ranked among 98 companies in Vertical Software
  • XYZ ranked among 109 companies in Fintech
  • PAR ranked among 98 companies in Vertical Software

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodLSPDXYZPARSPY
1 month +12.4%+2.6%+26.0% +0.9%
3 months -1.2%-8.5%-1.2% +5.9%
6 months +20.2%+8.3%+28.5% +8.5%
Year to date -9.9%+15.5%-52.6% +13.3%
1 year -13.6%-6.2%-51.7% +12.4%
3 years -12.0%+87.9%-39.8% +88.1%
3 years, per year -4.2%+23.4%-15.6% +23.5%
5 years -88.9%-70.4%-72.7% +68.2%
5 years, per year -35.5%-21.6%-22.9% +11.0%
10 years —+575.1%+211.2% +263.4%
10 years, per year —+21.0%+12.0% +13.8%

Risk

MeasureLSPDXYZPARSPY
Volatility, 1Y 44.5%46.4%71.3% 12.7%
Downside volatility, 1Y 46.5%46.2%79.5% 12.7%
Beta vs S&P 500, 1Y 1.061.831.19 1.00
Return / volatility, 1Y -0.31-0.13-0.73 0.98
Max drawdown, 5Y -92.2%-84.6%-85.4% -25.4%
From 52-week high -19.0%-11.4%-56.7% -0.9%
52-week high $13.44$84.84$39.72 $779.14
52-week low $8.37$49.09$11.82 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleLSPDXYZPAR
P/E now vs peer median -15.6xmedian 40.6x 125.9xmedian 19.6x -9.8xmedian 40.6x
P/S now vs peer median 1.2xmedian 2.4x 1.8xmedian 2.3x 1.4xmedian 2.4x
EV/EBITDA now vs peer median 191.5xmedian 18.3x 29.5xmedian 17.5x -81.6xmedian 18.3x
P/FCF now vs peer median 30.2xmedian 20.5x 11.6xmedian 15.9x -45.3xmedian 20.5x
P/B now vs peer median 1.1xmedian 1.8x 2.0xmedian 2.0x 0.9xmedian 1.8x
PEG now vs peer median -0.29median 1.74 1.87median 1.01 -0.81median 1.74

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsLSPDXYZPAR
Revenue $1.24B $25.04B $496.67M
Gross profit $536.41M $11.61B $209.78M
Operating income -$115.79M $1.17B -$62.50M
Net income -$97.27M $357.28M -$72.14M
Free cash flow $49.64M $3.88B -$15.69M
R&D $125.76M $3.07B $85.55M
EPS (diluted) $-0.70 $0.59 $-1.75
Cash & equivalents $372.14M $6.43B $77.37M
Total debt – $6.88B $422.35M
Shares (diluted) 139.17M 608.85M 41.28M
Enterprise value -$256.92M $17.36B $391.45M

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricLSPDXYZPAR
P/E -15.6x 125.9x -9.8x
P/FCF 30.2x 11.6x -45.3x
P/Operating cash flow 34.7x 11.1x -55.6x
P/S 1.2x 1.8x 1.4x
P/B 1.1x 2.0x 0.9x
P/Tangible book 1.1x 2.2x 1.2x
EV/EBITDA 191.5x 29.5x -81.6x
EV/EBIT -9.7x 39.0x -16.9x
EV/Revenue 0.9x 1.8x 2.1x
EV/FCF 22.7x 11.8x -67.3x
EV/Operating cash flow 26.1x 11.2x -82.5x
PEG (3Y EPS CAGR) -0.29 1.87 -0.81

Growth

14 metrics
MetricLSPDXYZPAR
Revenue growth (1Y) 11.6% 5.1% 18.8%
Revenue CAGR (3Y) 17.6% 8.3% 23.0%
Gross profit growth (1Y) 13.9% 23.7% 12.0%
Gross profit CAGR (3Y) 16.1% 19.5% 36.6%
Operating income growth (1Y) 83.3% 1.7% 3.4%
Operating income CAGR (3Y) 52.1% 77.9% 5.4%
Net income growth (1Y) 85.7% -87.9% 16.4%
Net income CAGR (3Y) 54.3% 64.5% -0.8%
EPS growth (1Y) 84.2% -87.7% 17.9%
EPS CAGR (3Y) 53.1% 67.4% 12.1%
Operating cash flow growth (1Y) 804.1% 236.4% -10.0%
Operating cash flow CAGR (3Y) 34.2% 105.3% 31.6%
Free cash flow growth (1Y) 3,659% 266.4% -17.2%
Free cash flow CAGR (3Y) 34.5% 129.4% 28.9%

Profitability

14 metrics
MetricLSPDXYZPAR
Gross margin 43.1% 46.4% 42.2%
EBITDA margin 0.5% 6.2% -2.6%
Operating margin -9.3% 4.7% -12.6%
Pretax margin -7.7% 2.8% -13.8%
Net margin -7.8% 1.4% -14.5%
FCF margin 4.0% 15.5% -3.2%
Operating cash flow margin 3.5% 16.2% -2.6%
Return on equity -6.8% 1.6% -8.8%
Return on assets -6.0% 0.9% -5.2%
Return on invested capital – 2.0% -5.0%
Return on capital employed -8.0% 4.0% -4.9%
Asset turnover 0.8x 0.6x 0.4x
Cash conversion (OCF / net income) -0.4x 11.4x 0.2x
Stock comp / revenue 4.5% 4.8% 5.9%

Financial Health

11 metrics
MetricLSPDXYZPAR
Debt / assets – 17.6% 30.8%
Debt / equity – 0.3x 0.5x
Net debt / EBITDA – 0.3x -26.6x
Debt / FCF – 1.8x -26.9x
Liabilities / assets 12.5% 43.7% 40.6%
Equity / assets 87.5% 56.3% 59.4%
Interest coverage – – –
Current ratio 3.5x 2.2x 2.2x
Quick ratio 2.4x 0.8x 1.5x
Cash ratio 2.0x 0.6x 0.7x
Altman Z-score 3.22 2.83 0.68

Shareholder Returns

7 metrics
MetricLSPDXYZPAR
Dividend yield – – –
Net buyback yield 7.1% 4.0% 4.4%
Shareholder yield 7.1% 4.0% 4.4%
Payout ratio (earnings) – – –
Payout ratio (FCF) – – –
Dividend growth (1Y) – – –
Dividend CAGR (3Y) – – –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusLSPDXYZPAR
Forward P/E 18.2xFY2026 19.3xFY2026 23.5xFY2026
EPS, next fiscal year $0.60FY2026 $3.89FY2026 $0.73FY2026
EPS growth, next FY +36.4%FY2026 +64.1%FY2026 +386.7%FY2026
EPS growth, the year after +46.7% +38.3% +91.8%
Revenue, next fiscal year $1.22BFY2026 $24.57BFY2026 $536.83MFY2026
Revenue growth, next FY -0.6%FY2026 +1.6%FY2026 +17.8%FY2026
Revenue growth, the year after +23.4% +21.4% +11.3%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersLSPDXYZPAR
Held by institutions 54.9% 73.6% 100.0%
Institutions holding 108 1,081 207
Change in shares held, QoQ -4.3% +3.0% -1.7%
Institutions buying 54 581 125
Institutions selling 37 330 54
Buyers to sellers 1.46 1.76 2.31

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

LSPDXYZPAR
LSPD 1.00 0.47 0.48
XYZ 0.47 1.00 0.18
PAR 0.48 0.18 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, LSPD, XYZ and PAR?

Block (XYZ) is the largest by market capitalisation: Lightspeed Commerce (LSPD) $1.51B, Block (XYZ) $46.06B, Par Technology (PAR) $720.35M.

Which company is growing faster?

Par Technology (PAR) grew revenue fastest over the trailing twelve months: Lightspeed Commerce (LSPD) +11.6%, Block (XYZ) +5.1%, Par Technology (PAR) +18.8%.

Which company is more profitable?

Block (XYZ) has the highest net margin (Lightspeed Commerce (LSPD) -7.8%, Block (XYZ) 1.4%, Par Technology (PAR) -14.5%). On return on invested capital, Block (XYZ) leads (Block (XYZ) 2.0%, Par Technology (PAR) -5.0%).

Which stock has performed better?

Over the past year Block (XYZ) returned the most: Lightspeed Commerce (LSPD) -13.6%, Block (XYZ) -6.2%, Par Technology (PAR) -51.7%. Over five years, Block (XYZ) compounded fastest (Lightspeed Commerce (LSPD) -35.5%/yr, Block (XYZ) -21.6%/yr, Par Technology (PAR) -22.9%/yr). Returns are price only, before dividends.

Which stock is riskier?

By one-year price volatility, Lightspeed Commerce (LSPD) has been the steadiest (Lightspeed Commerce (LSPD) 44.5%, Block (XYZ) 46.4%, Par Technology (PAR) 71.3%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, LSPD, XYZ and PAR?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Block (XYZ) leads on 6. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.