CPAY vs. GPN: Corpay vs. Global Payments Stock Comparison
How do Corpay (CPAY) and Global Payments (GPN) 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 Global Payments (GPN) are both classified in the Transaction & Payment Processing Services sub-industry within the broader Financial Services industry, placing them in the closest GICS peer bucket.
| Profile Item | CPAY | GPN |
|---|---|---|
| Name | Corpay Inc. | Global Payments Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Financial Services |
| GICS Sub-Industry | Transaction & Payment Processing Services | Transaction & Payment Processing Services |
| Market Capitalization | 29.12 billion USD | 25.78 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 15, 2010 | January 16, 2001 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CPAY | GPN |
|---|---|---|
| Total Return (1Y) | 65.09% | 31.53% |
| Total Return (3Y, Annualized) | 25.90% | -1.66% |
| Total Return (5Y, Annualized) | 13.34% | -4.82% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CPAY | GPN |
|---|---|---|
| Volatility (1Y, Annualized) | 36.03% | 42.00% |
| Beta (5Y) | 0.87 | 0.80 |
| Max Drawdown (5Y) | -37.33% | -57.06% |
| Avg. Volume (3M) | 489.47K | 2.69M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CPAY | GPN |
|---|---|---|
| Sharpe Ratio (1Y) | 1.69 | 0.65 |
| Sortino Ratio (1Y) | 2.83 | 1.10 |
Profitability
ROE (TTM)
Corpay (CPAY) at 32.21% sits in the top ROE quartile, while Global Payments (GPN) at 0.84% is in the bottom quartile, showing a clear gap in returns on equity.
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%
GPN
Financial Services industry group
0.84%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- GPN
- 0.84%
- Min
- -18.71%
Net Margin (TTM)
Global Payments (GPN) reports a negative net margin of -11.21%, usually indicating a net loss over the period. Meanwhile Corpay (CPAY) reports 23.73%, ranking against industry peers normally.
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%
GPN
Financial Services industry group
-11.21%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- GPN
- -11.21%
- Min
- -28.52%
Operating Margin (TTM)
Both Corpay (CPAY) at 49.15% and Global Payments (GPN) at 15.73% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
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%
GPN
Financial Services industry group
15.73%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- GPN
- 15.73%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | CPAY | GPN |
|---|---|---|
| ROE (TTM) | 32.21% | 0.84% |
| ROA (TTM) | 6.80% | 2.24% |
| Net Margin (TTM) | 23.73% | -11.21% |
| Operating Margin (TTM) | 49.15% | 15.73% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Corpay (CPAY) at 13.93% is around its peer norm for revenue growth, while Global Payments (GPN) at -0.39% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Both Corpay (CPAY) at 7.59% and Global Payments (GPN) at -6.17% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | CPAY | GPN |
|---|---|---|
| Revenue Growth (YoY) | 13.93% | -0.39% |
| Revenue Growth (3Y CAGR) | 9.73% | -4.96% |
| EPS Growth (YoY) | 7.59% | -6.17% |
| EPS Growth (3Y CAGR) | 6.56% | 143.57% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Corpay (CPAY) in Financial Services and Global Payments (GPN) 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 Global Payments (GPN) 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 | CPAY | GPN |
|---|---|---|
| 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 Global Payments (GPN) reports a yield of 1.05%, ranking against industry peers normally.
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%
GPN
Financial Services industry group
1.05%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- GPN
- 1.05%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Global Payments (GPN) reports payout ratio above 100% at 178.57%, meaning dividends exceeded current-period earnings; Corpay (CPAY) pays no dividend (payout 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%
GPN
Financial Services industry group
178.57%
- Max
- 241.07%
- GPN
- 178.57%
- Q3
- 97.36%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | CPAY | GPN |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 1.05% |
| Dividend Payout Ratio (TTM) | 0.00% | 178.57% |
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 Global Payments (GPN) at 173.93 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
GPN
Financial Services industry group
173.93
- GPN
- 173.93
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Global Payments (GPN) at 2.24 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.
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
GPN
Financial Services industry group
2.24
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- GPN
- 2.24
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Global Payments (GPN) at 1.11 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
GPN
Financial Services industry group
1.11
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- GPN
- 1.11
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | CPAY | GPN |
|---|---|---|
| P/E Ratio (TTM) | 25.02 | 173.93 |
| P/S Ratio (TTM) | 5.57 | 2.24 |
| P/B Ratio (MRQ) | 8.89 | 1.11 |
| Free Cash Flow Yield (TTM) | -- | -- |