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CPAY vs. FRHC: Corpay vs. Freedom Stock Comparison

How do Corpay (CPAY) and Freedom (FRHC) 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

Corpay (CPAY) and Freedom (FRHC) both fall under the Financial Services industry group, but CPAY is classified in Financial Services while FRHC is classified in Capital Markets.

Company profile comparison for Corpay (CPAY) and Freedom (FRHC)
Profile ItemCPAYFRHC
NameCorpay Inc.Freedom Holding Corp.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesCapital Markets
GICS Sub-IndustryTransaction & Payment Processing ServicesInvestment Banking & Brokerage
Market Capitalization29.12 billion USD11.41 billion USD
CurrencyUSDUSD
ExchangeNYSENasdaq
Listing DateDecember 15, 2010February 7, 2018
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

CPAY
FRHC
GSPC
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Corpay (CPAY) vs. Freedom (FRHC), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Corpay (CPAY) and Freedom (FRHC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Corpay (CPAY) and Freedom (FRHC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Corpay (CPAY) and Freedom (FRHC)
MetricCPAYFRHC
Total Return (1Y)65.09%18.04%
Total Return (3Y, Annualized)25.90%28.04%
Total Return (5Y, Annualized)13.34%18.95%

Risk Profile

Drawdown History

CPAY
FRHC
GSPC
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Corpay (CPAY) vs. Freedom (FRHC), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Corpay (CPAY) and Freedom (FRHC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Corpay (CPAY) and Freedom (FRHC)
MetricCPAYFRHC
Volatility (1Y, Annualized)36.03%47.01%
Beta (5Y)0.870.71
Max Drawdown (5Y)-37.33%-45.80%
Avg. Volume (3M)489.47K108.35K

Risk-Adjusted Performance

Risk-Return Positioning

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CPAY and FRHC are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Corpay (CPAY) and Freedom (FRHC)
MetricCPAYFRHC
Sharpe Ratio (1Y)1.690.29
Sortino Ratio (1Y)2.830.45

Profitability

ROE (TTM)

Corpay (CPAY) at 32.21% sits in the top ROE quartile, while Freedom (FRHC) at 10.68% is closer to the peer norm — stronger capital efficiency for CPAY.

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%

FRHC

Financial Services industry group

10.68%

Max
44.78%
Q3
21.85%
Median
12.91%
FRHC
10.68%
Q1
4.48%
Min
-18.71%
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Corpay (CPAY) vs. Freedom (FRHC): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Both Corpay (CPAY) at 23.73% and Freedom (FRHC) at 8.43% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

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%

FRHC

Financial Services industry group

8.43%

Max
62.84%
Q3
28.05%
Median
15.36%
FRHC
8.43%
Q1
4.82%
Min
-28.52%
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Corpay (CPAY) vs. Freedom (FRHC): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Corpay (CPAY) at 49.15% runs core operations around its industry’s norm, while Freedom (FRHC) at 5.01% operates in the bottom quartile.

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%

FRHC

Financial Services industry group

5.01%

Max
107.33%
Q3
55.90%
Median
30.09%
Q1
14.60%
FRHC
5.01%
Min
-44.34%
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Corpay (CPAY) vs. Freedom (FRHC): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Corpay (CPAY) and Freedom (FRHC)
MetricCPAYFRHC
ROE (TTM)32.21%10.68%
ROA (TTM)6.80%1.24%
Net Margin (TTM)23.73%8.43%
Operating Margin (TTM)49.15%5.01%
Gross Margin (TTM)----

Growth

Revenue Growth

Both Corpay (CPAY) at 13.93% and Freedom (FRHC) at 8.97% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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Corpay (CPAY) vs. Freedom (FRHC): A comparison of their Revenue Growth across different time periods.

EPS Growth

Freedom (FRHC) at 98.93% sits in the top EPS growth quartile, while Corpay (CPAY) at 7.59% is closer to the peer norm — faster per-share earnings growth for FRHC.

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Corpay (CPAY) vs. Freedom (FRHC): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Corpay (CPAY) and Freedom (FRHC)
MetricCPAYFRHC
Revenue Growth (YoY)13.93%8.97%
Revenue Growth (3Y CAGR)9.73%39.61%
EPS Growth (YoY)7.59%98.93%
EPS Growth (3Y CAGR)6.56%-10.08%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Corpay (CPAY) in Financial Services and Freedom (FRHC) 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: Corpay (CPAY) in Financial Services and Freedom (FRHC) 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

Financial strength metrics for Corpay (CPAY) and Freedom (FRHC)
MetricCPAYFRHC
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Neither Corpay (CPAY) nor Freedom (FRHC) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

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%

FRHC

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
FRHC
0.00%
Q1
0.00%
Min
0.00%
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Corpay (CPAY) vs. Freedom (FRHC): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Neither Corpay (CPAY) nor Freedom (FRHC) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

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%

FRHC

Financial Services industry group

0.00%

Max
241.07%
Q3
97.36%
Median
25.77%
FRHC
0.00%
Q1
0.00%
Min
0.00%
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Corpay (CPAY) vs. Freedom (FRHC): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Corpay (CPAY) and Freedom (FRHC)
MetricCPAYFRHC
Dividend Yield (TTM)0.00%0.00%
Dividend Payout Ratio (TTM)0.00%0.00%

Valuation

P/E Ratio (TTM)

Both look expensive on trailing earnings: Corpay (CPAY) at 25.02 sits in the richer P/E ratio quartile, and Freedom (FRHC) at 70.97 is richer still, above its industry range.

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

FRHC

Financial Services industry group

70.97

FRHC
70.97
Max
45.85
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
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Corpay (CPAY) vs. Freedom (FRHC): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Both Corpay (CPAY) at 5.57 and Freedom (FRHC) at 6.51 command a richer price per dollar of sales than most peers, sitting in the upper P/S ratio quartile of their industries.

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

FRHC

Financial Services industry group

6.51

Max
9.23
FRHC
6.51
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
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Corpay (CPAY) vs. Freedom (FRHC): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Both look rich against book: Freedom (FRHC) at 7.16 sits in the upper P/B ratio quartile, and Corpay (CPAY) at 8.89 prices even higher, above its industry range.

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

FRHC

Financial Services industry group

7.16

Max
7.79
FRHC
7.16
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
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Corpay (CPAY) vs. Freedom (FRHC): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Corpay (CPAY) and Freedom (FRHC)
MetricCPAYFRHC
P/E Ratio (TTM)25.0270.97
P/S Ratio (TTM)5.576.51
P/B Ratio (MRQ)8.897.16
Free Cash Flow Yield (TTM)----