Corpay, Inc vs FAIR ISAAC CORP, two Internet Retail stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where CPAY and FICO diverge most: on implied growth (priced in), CPAY reads +1.1% and FICO reads +16.1%; on return on assets, CPAY reads 4.4% and FICO reads 40.0%. The rest of the comparable metrics sit closer together. On valuation, today's CPAY price has a different growth bar priced in than FICO (+1.1% implied for CPAY vs +16.1% for FICO); the higher figure is the steeper assumption to clear, not a better or worse stock. What CPAY's price implies is a bet that sits within the historical range (whole-company basis). What FICO's price implies is a bet that sits within the historical range (whole-company basis). The bull and bear cases for each are in their full reports below.
| Metric | CPAY | FICO |
|---|---|---|
| Price | $382.15 | $1122.97 |
| Market cap | $26.2B | $24.3B |
| Sector | Internet Retail | Internet Retail |
| Stage | Growth | Growth |
| Implied growth (priced in) | +1.1% | +16.1% |
| P/E | 22.9 | 32.5 |
| P/B | 7.36 | — |
| P/S | 5.47 | 10.13 |
| EV/EBITDA | 14.4 | 23.9 |
| Revenue growth | +18.2% | +23.6% |
| Operating margin | 50.5% | 53.8% |
| Net margin | 24.6% | 34.0% |
| Return on equity | 33.1% | — |
| Return on assets | 4.4% | 40.0% |
| Return on invested capital | 8.7% | 52.2% |
| FCF yield | 5.0% | 4.1% |
| Dividend yield | — | 0.0% |
| Debt / equity | 3.97 | — |
| Current ratio | 0.98 | 1.18 |
| Altman Z (solvency) | 6.80 | 7.80 |
| Piotroski F (quality) | 5 / 9 | 6 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.