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CPAY vs. IX: Corpay vs. ORIX Stock Comparison

How do Corpay (CPAY) and ORIX (IX) 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 ORIX (IX) both belong to the Financial Services industry, though CPAY is classified under Transaction & Payment Processing Services while IX falls under Diversified Financial Services.

Corpay (CPAY) trades as ordinary local shares, while ORIX (IX) 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 ORIX (IX)
Profile ItemCPAYIX
NameCorpay Inc.ORIX Corporation Sponsored ADR
Country/RegionUnited StatesJapan
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesFinancial Services
GICS Sub-IndustryTransaction & Payment Processing ServicesDiversified Financial Services
Market Capitalization29.12 billion USD37.30 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateDecember 15, 2010September 16, 1998
Security TypeCommon StockADR

Price Performance

Cumulative Growth

CPAY
IX
GSPC
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Corpay (CPAY) vs. ORIX (IX), 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 ORIX (IX). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Corpay (CPAY) and ORIX (IX)
MetricCPAYIX
Total Return (1Y)65.09%37.72%
Total Return (3Y, Annualized)25.90%27.79%
Total Return (5Y, Annualized)13.34%12.59%

Risk Profile

Drawdown History

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

Risk Metrics

Risk profile metrics for Corpay (CPAY) and ORIX (IX)
MetricCPAYIX
Volatility (1Y, Annualized)36.03%29.12%
Beta (5Y)0.870.94
Max Drawdown (5Y)-37.33%-38.99%
Avg. Volume (3M)489.47K317.58K

Risk-Adjusted Performance

Risk-Return Positioning

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CPAY and IX 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 ORIX (IX)
MetricCPAYIX
Sharpe Ratio (1Y)1.691.15
Sortino Ratio (1Y)2.831.77

Profitability

ROE (TTM)

Corpay (CPAY) at 32.21% sits in the top ROE quartile, while ORIX (IX) at 14.04% 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%

IX

Financial Services industry group

14.04%

Max
44.78%
Q3
21.85%
IX
14.04%
Median
12.91%
Q1
4.48%
Min
-18.71%
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Corpay (CPAY) vs. ORIX (IX): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Both Corpay (CPAY) at 23.73% and ORIX (IX) at 17.94% 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%

IX

Financial Services industry group

17.94%

Max
62.84%
Q3
28.05%
IX
17.94%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Corpay (CPAY) vs. ORIX (IX): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both Corpay (CPAY) at 49.15% and ORIX (IX) at 21.52% 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%

IX

Financial Services industry group

21.52%

Max
107.33%
Q3
55.90%
Median
30.09%
IX
21.52%
Q1
14.60%
Min
-44.34%
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Corpay (CPAY) vs. ORIX (IX): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Corpay (CPAY) and ORIX (IX)
MetricCPAYIX
ROE (TTM)32.21%14.04%
ROA (TTM)6.80%2.65%
Net Margin (TTM)23.73%17.94%
Operating Margin (TTM)49.15%21.52%
Gross Margin (TTM)----

Growth

Revenue Growth

Both Corpay (CPAY) at 13.93% and ORIX (IX) at 18.57% 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. ORIX (IX): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Corpay (CPAY) at 7.59% and ORIX (IX) at 30.03% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

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

Growth Metrics

Growth metrics for Corpay (CPAY) and ORIX (IX)
MetricCPAYIX
Revenue Growth (YoY)13.93%18.57%
Revenue Growth (3Y CAGR)9.73%9.97%
EPS Growth (YoY)7.59%30.03%
EPS Growth (3Y CAGR)6.56%20.02%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Corpay (CPAY) in Financial Services and ORIX (IX) 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 ORIX (IX) 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 ORIX (IX)
MetricCPAYIX
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 ORIX (IX) reports a yield of 435.55%, 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%

IX

Financial Services industry group

435.55%

IX
435.55%
Max
9.77%
Q3
3.92%
Median
1.09%
Q1
0.00%
Min
0.00%
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Corpay (CPAY) vs. ORIX (IX): 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 ORIX (IX) reports a payout of 26.52%, 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%

IX

Financial Services industry group

26.52%

Max
241.07%
Q3
97.36%
IX
26.52%
Median
25.77%
Q1
0.00%
Min
0.00%
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Corpay (CPAY) vs. ORIX (IX): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Corpay (CPAY) and ORIX (IX)
MetricCPAYIX
Dividend Yield (TTM)0.00%435.55%
Dividend Payout Ratio (TTM)0.00%26.52%

Valuation

P/E Ratio (TTM)

ORIX (IX) at 9.68 sits in the cheaper P/E ratio quartile, while Corpay (CPAY) at 25.02 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

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

IX

Financial Services industry group

9.68

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

P/S Ratio (TTM)

ORIX (IX) at 0.01 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

IX

Financial Services industry group

0.01

Max
9.23
Q3
4.57
Median
2.72
Q1
1.28
IX
0.01
Min
-0.55
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Corpay (CPAY) vs. ORIX (IX): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

ORIX (IX) at 1.28 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

IX

Financial Services industry group

1.28

Max
7.79
Q3
3.63
Median
1.57
IX
1.28
Q1
0.81
Min
-0.39
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Corpay (CPAY) vs. ORIX (IX): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Corpay (CPAY) and ORIX (IX)
MetricCPAYIX
P/E Ratio (TTM)25.029.68
P/S Ratio (TTM)5.570.01
P/B Ratio (MRQ)8.891.28
Free Cash Flow Yield (TTM)----