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 return on assets, CPAY reads 4.0% and FICO reads 40.0%; on return on invested capital, CPAY reads 11.3% and FICO reads 62.7%. The rest of the comparable metrics sit closer together. On valuation, today's CPAY price has a different growth bar priced in than FICO (-0.9% implied for CPAY vs -2.0% 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 | $397.87 | $667.21 |
| Market cap | $26.4B | $14.4B |
| Sector | Internet Retail | Internet Retail |
| Stage | Growth | Growth |
| Implied growth (priced in) | -0.9% | -2.0% |
| P/E | 24.2 | 19.3 |
| P/B | 7.35 | — |
| P/S | 5.26 | 6.02 |
| EV/EBITDA | 12.8 | 15.8 |
| Revenue growth | +20.4% | +23.6% |
| Operating margin | 35.3% | 53.8% |
| Net margin | 22.7% | 34.0% |
| Return on equity | 31.8% | — |
| Return on assets | 4.0% | 40.0% |
| Return on invested capital | 11.3% | 62.7% |
| FCF yield | 6.2% | 6.7% |
| Dividend yield | — | 0.0% |
| Debt / equity | 2.96 | — |
| Current ratio | 0.97 | 1.18 |
| Altman Z (solvency) | 6.75 | 6.83 |
| Piotroski F (quality) | 8 / 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.