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CPAY vs. FUTU: Corpay vs. Futu Stock Comparison

How do Corpay (CPAY) and Futu (FUTU) 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 Futu (FUTU) both fall under the Financial Services industry group, but CPAY is classified in Financial Services while FUTU is classified in Capital Markets.

Corpay (CPAY) trades as ordinary local shares, while Futu (FUTU) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile comparison for Corpay (CPAY) and Futu (FUTU)
Profile ItemCPAYFUTU
NameCorpay Inc.Futu Holdings Ltd. ADR
Country/RegionUnited StatesHong Kong
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesCapital Markets
GICS Sub-IndustryTransaction & Payment Processing ServicesInvestment Banking & Brokerage
Market Capitalization29.12 billion USD13.75 billion USD
CurrencyUSDUSD
ExchangeNYSENasdaq
Listing DateDecember 15, 2010March 8, 2019
Security TypeCommon StockADR

Price Performance

Cumulative Growth

CPAY
FUTU
GSPC
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Corpay (CPAY) vs. Futu (FUTU), 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 Futu (FUTU). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Corpay (CPAY) and Futu (FUTU)
MetricCPAYFUTU
Total Return (1Y)65.09%-45.15%
Total Return (3Y, Annualized)25.90%22.02%
Total Return (5Y, Annualized)13.34%13.70%

Risk Profile

Drawdown History

CPAY
FUTU
GSPC
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Corpay (CPAY) vs. Futu (FUTU), 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 Futu (FUTU). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Corpay (CPAY) and Futu (FUTU)
MetricCPAYFUTU
Volatility (1Y, Annualized)36.03%59.94%
Beta (5Y)0.870.68
Max Drawdown (5Y)-37.33%-60.17%
Avg. Volume (3M)489.47K1.18M

Risk-Adjusted Performance

Risk-Return Positioning

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CPAY and FUTU 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 Futu (FUTU)
MetricCPAYFUTU
Sharpe Ratio (1Y)1.69-0.82
Sortino Ratio (1Y)2.83-1.10

Profitability

ROE (TTM)

Both Corpay (CPAY) at 32.21% and Futu (FUTU) at 30.52% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.

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%

FUTU

Financial Services industry group

30.52%

Max
44.78%
FUTU
30.52%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
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Corpay (CPAY) vs. Futu (FUTU): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Futu (FUTU) at 46.20% retains a top-quartile share of revenue as profit, ahead of Corpay (CPAY) at 23.73%, which keeps about the industry-typical share.

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%

FUTU

Financial Services industry group

46.20%

Max
62.84%
FUTU
46.20%
Q3
28.05%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Corpay (CPAY) vs. Futu (FUTU): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Futu (FUTU) at 66.75% operates in the top operating margin quartile, ahead of Corpay (CPAY) at 49.15%, which runs around its industry’s norm.

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%

FUTU

Financial Services industry group

66.75%

Max
107.33%
FUTU
66.75%
Q3
55.90%
Median
30.09%
Q1
14.60%
Min
-44.34%
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Corpay (CPAY) vs. Futu (FUTU): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Corpay (CPAY) and Futu (FUTU)
MetricCPAYFUTU
ROE (TTM)32.21%30.52%
ROA (TTM)6.80%4.51%
Net Margin (TTM)23.73%46.20%
Operating Margin (TTM)49.15%66.75%
Gross Margin (TTM)----

Growth

Revenue Growth

Futu (FUTU) at 68.11% clears its industry range for revenue growth, far stronger top-line momentum than Corpay (CPAY) at 13.93%, which is closer to a typical peer reading.

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

EPS Growth

Futu (FUTU) at 106.38% 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 FUTU.

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

Growth Metrics

Growth metrics for Corpay (CPAY) and Futu (FUTU)
MetricCPAYFUTU
Revenue Growth (YoY)13.93%68.11%
Revenue Growth (3Y CAGR)9.73%44.24%
EPS Growth (YoY)7.59%106.38%
EPS Growth (3Y CAGR)6.56%58.06%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Corpay (CPAY) in Financial Services and Futu (FUTU) 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 Futu (FUTU) 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 Futu (FUTU)
MetricCPAYFUTU
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Neither Corpay (CPAY) nor Futu (FUTU) 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%

FUTU

Financial Services industry group

0.00%

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

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 Futu (FUTU) reports a payout of 25.80%, ranking against industry peers normally.

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%

FUTU

Financial Services industry group

25.80%

Max
241.07%
Q3
97.36%
FUTU
25.80%
Median
25.77%
Q1
0.00%
Min
0.00%
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Corpay (CPAY) vs. Futu (FUTU): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Corpay (CPAY) and Futu (FUTU)
MetricCPAYFUTU
Dividend Yield (TTM)0.00%0.00%
Dividend Payout Ratio (TTM)0.00%25.80%

Valuation

P/E Ratio (TTM)

Futu (FUTU) at 9.73 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.

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

FUTU

Financial Services industry group

9.73

Max
45.85
Q3
24.64
Median
15.37
FUTU
9.73
Q1
9.68
Min
0.16
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Corpay (CPAY) vs. Futu (FUTU): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Futu (FUTU) at 0.57 looks cheap on sales in the lower P/S ratio quartile, while Corpay (CPAY) at 5.57 looks rich in the upper quartile — a clear gap in price per dollar of revenue.

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

FUTU

Financial Services industry group

0.57

Max
9.23
Q3
4.57
Median
2.72
Q1
1.28
FUTU
0.57
Min
-0.55
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Corpay (CPAY) vs. Futu (FUTU): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Futu (FUTU) at 2.75 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.

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

FUTU

Financial Services industry group

2.75

Max
7.79
Q3
3.63
FUTU
2.75
Median
1.57
Q1
0.81
Min
-0.39
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Corpay (CPAY) vs. Futu (FUTU): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Corpay (CPAY) and Futu (FUTU)
MetricCPAYFUTU
P/E Ratio (TTM)25.029.73
P/S Ratio (TTM)5.570.57
P/B Ratio (MRQ)8.892.75
Free Cash Flow Yield (TTM)----