AUR vs. CPAY: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AUR and CPAY, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
CPAY’s market capitalization of 23.90 billion USD is significantly greater than AUR’s 9.37 billion USD, highlighting its more substantial market valuation.
AUR’s beta of 2.60 points to significantly higher volatility compared to CPAY (beta: 0.96), suggesting AUR has greater potential for both gains and losses relative to market movements.
| Symbol | AUR | CPAY |
|---|---|---|
| Company Name | Aurora Innovation, Inc. | Corpay, Inc. |
| Country | US | US |
| Sector | Technology | Technology |
| Industry | Information Technology Services | Software - Infrastructure |
| CEO | Christopher Urmson | Ronald F. Clarke |
| Price | 5.3 USD | 339.1 USD |
| Market Cap | 9.37 billion USD | 23.90 billion USD |
| Beta | 2.60 | 0.96 |
| Exchange | NASDAQ | NYSE |
| IPO Date | May 10, 2021 | December 15, 2010 |
| ADR | No | No |
Historical Performance
This chart compares the performance of AUR and CPAY by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period.
Data is adjusted for dividends and splits.
Profitability
Return on Equity
AUR
-42.79%
Information Technology Services Industry
- Max
- 47.24%
- Q3
- 23.27%
- Median
- 12.85%
- Q1
- 2.22%
- Min
- -26.63%
AUR has a negative Return on Equity of -42.79%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.
CPAY
32.78%
Software - Infrastructure Industry
- Max
- 80.61%
- Q3
- 29.97%
- Median
- 2.84%
- Q1
- -8.35%
- Min
- -56.26%
In the upper quartile for the Software - Infrastructure industry, CPAY’s Return on Equity of 32.78% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
Return on Invested Capital
AUR
-40.98%
Information Technology Services Industry
- Max
- 28.29%
- Q3
- 13.19%
- Median
- 7.24%
- Q1
- 0.23%
- Min
- -18.82%
AUR has a negative Return on Invested Capital of -40.98%. This indicates that its operations are failing to generate a profit on the total capital invested, signaling significant inefficiency or value destruction.
CPAY
10.46%
Software - Infrastructure Industry
- Max
- 39.31%
- Q3
- 11.97%
- Median
- 1.67%
- Q1
- -7.10%
- Min
- -34.29%
CPAY’s Return on Invested Capital of 10.46% is in line with the norm for the Software - Infrastructure industry, reflecting a standard level of efficiency in generating profits from its capital base.
Net Profit Margin
AUR
--
Information Technology Services Industry
- Max
- 20.47%
- Q3
- 11.62%
- Median
- 5.97%
- Q1
- 1.89%
- Min
- -4.62%
Net Profit Margin data for AUR is currently unavailable.
CPAY
25.15%
Software - Infrastructure Industry
- Max
- 46.46%
- Q3
- 14.65%
- Median
- 2.66%
- Q1
- -7.70%
- Min
- -35.45%
A Net Profit Margin of 25.15% places CPAY in the upper quartile for the Software - Infrastructure industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin
AUR
--
Information Technology Services Industry
- Max
- 29.42%
- Q3
- 14.75%
- Median
- 8.92%
- Q1
- 2.62%
- Min
- -11.92%
Operating Profit Margin data for AUR is currently unavailable.
CPAY
44.92%
Software - Infrastructure Industry
- Max
- 48.51%
- Q3
- 16.56%
- Median
- 4.48%
- Q1
- -6.43%
- Min
- -40.18%
An Operating Profit Margin of 44.92% places CPAY in the upper quartile for the Software - Infrastructure industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
Profitability at a Glance
| Symbol | AUR | CPAY |
|---|---|---|
| Return on Equity (TTM) | -42.79% | 32.78% |
| Return on Assets (TTM) | -38.19% | 5.48% |
| Return on Invested Capital (TTM) | -40.98% | 10.46% |
| Net Profit Margin (TTM) | -- | 25.15% |
| Operating Profit Margin (TTM) | -- | 44.92% |
| Gross Profit Margin (TTM) | -- | 76.64% |
Financial Strength
Current Ratio
AUR
9.54
Information Technology Services Industry
- Max
- 3.41
- Q3
- 2.37
- Median
- 1.58
- Q1
- 1.20
- Min
- 0.00
AUR’s Current Ratio of 9.54 is exceptionally high, placing it well outside the typical range for the Information Technology Services industry. This indicates a very strong liquidity position, though such a high ratio may also suggest that the company is not using its assets efficiently to generate profits.
CPAY
1.10
Software - Infrastructure Industry
- Max
- 3.80
- Q3
- 2.25
- Median
- 1.51
- Q1
- 1.10
- Min
- 0.23
CPAY’s Current Ratio of 1.10 aligns with the median group of the Software - Infrastructure industry, indicating that its short-term liquidity is in line with its sector peers.
Debt-to-Equity Ratio
AUR
0.06
Information Technology Services Industry
- Max
- 2.63
- Q3
- 1.16
- Median
- 0.48
- Q1
- 0.09
- Min
- 0.01
Falling into the lower quartile for the Information Technology Services industry, AUR’s Debt-to-Equity Ratio of 0.06 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.
CPAY
2.37
Software - Infrastructure Industry
- Max
- 2.56
- Q3
- 1.12
- Median
- 0.33
- Q1
- 0.05
- Min
- 0.00
CPAY’s leverage is in the upper quartile of the Software - Infrastructure industry, with a Debt-to-Equity Ratio of 2.37. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.
Interest Coverage Ratio
AUR
--
Information Technology Services Industry
- Max
- 17.52
- Q3
- 10.04
- Median
- 4.66
- Q1
- 0.80
- Min
- -10.50
Interest Coverage Ratio data for AUR is currently unavailable.
CPAY
4.68
Software - Infrastructure Industry
- Max
- 32.21
- Q3
- 5.24
- Median
- 0.95
- Q1
- -17.99
- Min
- -50.82
CPAY’s Interest Coverage Ratio of 4.68 is positioned comfortably within the norm for the Software - Infrastructure industry, indicating a standard and healthy capacity to cover its interest payments.
Financial Strength at a Glance
| Symbol | AUR | CPAY |
|---|---|---|
| Current Ratio (TTM) | 9.54 | 1.10 |
| Quick Ratio (TTM) | 9.54 | 1.10 |
| Debt-to-Equity Ratio (TTM) | 0.06 | 2.37 |
| Debt-to-Asset Ratio (TTM) | 0.06 | 0.44 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.07 | 3.07 |
| Interest Coverage Ratio (TTM) | -- | 4.68 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AUR and CPAY. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
AUR
0.00%
Information Technology Services Industry
- Max
- 16.57%
- Q3
- 1.39%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
AUR currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
CPAY
0.00%
Software - Infrastructure Industry
- Max
- 4.07%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
CPAY currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
Dividend Payout Ratio
AUR
0.00%
Information Technology Services Industry
- Max
- 112.81%
- Q3
- 20.98%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
AUR has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
CPAY
0.00%
Software - Infrastructure Industry
- Max
- 48.68%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
CPAY has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
Dividend at a Glance
| Symbol | AUR | CPAY |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
Price-to-Earnings Ratio
AUR
-11.69
Information Technology Services Industry
- Max
- 49.12
- Q3
- 36.91
- Median
- 24.84
- Q1
- 15.88
- Min
- 1.55
AUR has a negative P/E Ratio of -11.69. This occurs when a company has negative earnings (a net loss), making the ratio unsuitable for valuation analysis.
CPAY
23.44
Software - Infrastructure Industry
- Max
- 107.77
- Q3
- 54.40
- Median
- 28.10
- Q1
- 18.03
- Min
- 5.32
CPAY’s P/E Ratio of 23.44 is within the middle range for the Software - Infrastructure industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Forward P/E to Growth Ratio
AUR
0.45
Information Technology Services Industry
- Max
- 5.35
- Q3
- 3.79
- Median
- 2.23
- Q1
- 1.19
- Min
- 0.03
In the lower quartile for the Information Technology Services industry, AUR’s Forward PEG Ratio of 0.45 is a positive indicator. It suggests that the stock may be attractively valued relative to its expected earnings growth.
CPAY
1.48
Software - Infrastructure Industry
- Max
- 8.12
- Q3
- 3.94
- Median
- 2.13
- Q1
- 0.94
- Min
- 0.01
CPAY’s Forward PEG Ratio of 1.48 is within the middle range of its peers in the Software - Infrastructure industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
Price-to-Sales Ratio
AUR
--
Information Technology Services Industry
- Max
- 8.15
- Q3
- 4.17
- Median
- 2.14
- Q1
- 1.00
- Min
- 0.10
P/S Ratio data for AUR is currently unavailable.
CPAY
5.91
Software - Infrastructure Industry
- Max
- 18.25
- Q3
- 9.05
- Median
- 4.77
- Q1
- 2.30
- Min
- 0.11
CPAY’s P/S Ratio of 5.91 aligns with the market consensus for the Software - Infrastructure industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
Price-to-Book Ratio
AUR
5.18
Information Technology Services Industry
- Max
- 11.78
- Q3
- 6.14
- Median
- 3.23
- Q1
- 1.97
- Min
- 0.42
The P/B Ratio is often not a primary valuation metric for the Information Technology Services industry.
CPAY
6.90
Software - Infrastructure Industry
- Max
- 19.94
- Q3
- 10.91
- Median
- 6.33
- Q1
- 2.95
- Min
- 0.51
The P/B Ratio is often not a primary valuation metric for the Software - Infrastructure industry.
Valuation at a Glance
| Symbol | AUR | CPAY |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | -11.69 | 23.44 |
| Forward PEG Ratio (TTM) | 0.45 | 1.48 |
| Price-to-Sales Ratio (P/S, TTM) | -- | 5.91 |
| Price-to-Book Ratio (P/B, TTM) | 5.18 | 6.90 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | -14.70 | 17.87 |
| EV-to-EBITDA (TTM) | -11.82 | 14.17 |
| EV-to-Sales (TTM) | -- | 7.55 |