BNY vs. CPAY: Bank of New York Mellon vs. Corpay Stock Comparison
How do Bank of New York Mellon (BNY) and Corpay (CPAY) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Bank of New York Mellon (BNY) and Corpay (CPAY) both fall under the Financial Services industry group, but BNY is classified in Capital Markets while CPAY is classified in Financial Services.
| Profile Item | BNY | CPAY |
|---|---|---|
| Name | Bank of New York Mellon Corp. | Corpay Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Capital Markets | Financial Services |
| GICS Sub-Industry | Asset Management & Custody Banks | Transaction & Payment Processing Services |
| Market Capitalization | 99.40 billion USD | 29.12 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | May 3, 1973 | December 15, 2010 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BNY | CPAY |
|---|---|---|
| Total Return (1Y) | 41.28% | 65.09% |
| Total Return (3Y, Annualized) | 53.51% | 25.90% |
| Total Return (5Y, Annualized) | 24.36% | 13.34% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BNY | CPAY |
|---|---|---|
| Volatility (1Y, Annualized) | 22.30% | 36.03% |
| Beta (5Y) | 1.00 | 0.87 |
| Max Drawdown (5Y) | -40.45% | -37.33% |
| Avg. Volume (3M) | 3.38M | 489.47K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BNY | CPAY |
|---|---|---|
| Sharpe Ratio (1Y) | 1.66 | 1.69 |
| Sortino Ratio (1Y) | 2.48 | 2.83 |
Profitability
ROE (TTM)
Corpay (CPAY) at 32.21% sits in the top ROE quartile, while Bank of New York Mellon (BNY) at 14.87% is closer to the peer norm — stronger capital efficiency for CPAY.
BNY
Financial Services industry group
14.87%
- Max
- 44.78%
- Q3
- 21.85%
- BNY
- 14.87%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
CPAY
Financial Services industry group
32.21%
- Max
- 44.78%
- CPAY
- 32.21%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Bank of New York Mellon (BNY) at 29.74% retains a top-quartile share of revenue as profit, ahead of Corpay (CPAY) at 23.73%, which keeps about the industry-typical share.
BNY
Financial Services industry group
29.74%
- Max
- 62.84%
- BNY
- 29.74%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
CPAY
Financial Services industry group
23.73%
- Max
- 62.84%
- Q3
- 28.05%
- CPAY
- 23.73%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Bank of New York Mellon (BNY) at 39.07% and Corpay (CPAY) at 49.15% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
BNY
Financial Services industry group
39.07%
- Max
- 107.33%
- Q3
- 55.90%
- BNY
- 39.07%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
CPAY
Financial Services industry group
49.15%
- Max
- 107.33%
- Q3
- 55.90%
- CPAY
- 49.15%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | BNY | CPAY |
|---|---|---|
| ROE (TTM) | 14.87% | 32.21% |
| ROA (TTM) | 1.39% | 6.80% |
| Net Margin (TTM) | 29.74% | 23.73% |
| Operating Margin (TTM) | 39.07% | 49.15% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Bank of New York Mellon (BNY) at 8.22% and Corpay (CPAY) at 13.93% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Bank of New York Mellon (BNY) at 27.59% and Corpay (CPAY) at 7.59% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | BNY | CPAY |
|---|---|---|
| Revenue Growth (YoY) | 8.22% | 13.93% |
| Revenue Growth (3Y CAGR) | 6.87% | 9.73% |
| EPS Growth (YoY) | 27.59% | 7.59% |
| EPS Growth (3Y CAGR) | 36.65% | 6.56% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Bank of New York Mellon (BNY) in Financial Services and Corpay (CPAY) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Bank of New York Mellon (BNY) in Financial Services and Corpay (CPAY) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | BNY | CPAY |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Corpay (CPAY) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Bank of New York Mellon (BNY) reports a yield of 1.51%, ranking against industry peers normally.
BNY
Financial Services industry group
1.51%
- Max
- 9.77%
- Q3
- 3.92%
- BNY
- 1.51%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
CPAY
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- CPAY
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Corpay (CPAY) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Bank of New York Mellon (BNY) reports a payout of 24.58%, ranking against industry peers normally.
BNY
Financial Services industry group
24.58%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- BNY
- 24.58%
- Q1
- 0.00%
- Min
- 0.00%
CPAY
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- CPAY
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | BNY | CPAY |
|---|---|---|
| Dividend Yield (TTM) | 1.51% | 0.00% |
| Dividend Payout Ratio (TTM) | 24.58% | 0.00% |
Valuation
P/E Ratio (TTM)
Bank of New York Mellon (BNY) at 16.36 is near its industry’s usual P/E ratio, while Corpay (CPAY) at 25.02 sits in the richer quartile — CPAY needs stronger growth or earnings quality to justify the premium.
BNY
Financial Services industry group
16.36
- Max
- 45.85
- Q3
- 24.64
- BNY
- 16.36
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
CPAY
Financial Services industry group
25.02
- Max
- 45.85
- CPAY
- 25.02
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Bank of New York Mellon (BNY) at 4.52 is priced about in line with its industry on P/S ratio, while Corpay (CPAY) at 5.57 sits in the pricier quartile — CPAY costs more per dollar of sales.
BNY
Financial Services industry group
4.52
- Max
- 9.23
- Q3
- 4.57
- BNY
- 4.52
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
CPAY
Financial Services industry group
5.57
- Max
- 9.23
- CPAY
- 5.57
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Bank of New York Mellon (BNY) at 2.53 sits near its industry’s typical P/B ratio, while Corpay (CPAY) at 8.89 prices above its benchmark range — CPAY looks rich relative to book.
BNY
Financial Services industry group
2.53
- Max
- 7.79
- Q3
- 3.63
- BNY
- 2.53
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
CPAY
Financial Services industry group
8.89
- CPAY
- 8.89
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | BNY | CPAY |
|---|---|---|
| P/E Ratio (TTM) | 16.36 | 25.02 |
| P/S Ratio (TTM) | 4.52 | 5.57 |
| P/B Ratio (MRQ) | 2.53 | 8.89 |
| Free Cash Flow Yield (TTM) | -- | -- |