CPAY vs. LPLA: Corpay vs. LPL Financial Stock Comparison
How do Corpay (CPAY) and LPL Financial (LPLA) 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 LPL Financial (LPLA) both fall under the Financial Services industry group, but CPAY is classified in Financial Services while LPLA is classified in Capital Markets.
| Profile Item | CPAY | LPLA |
|---|---|---|
| Name | Corpay Inc. | LPL Financial Holdings Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Capital Markets |
| GICS Sub-Industry | Transaction & Payment Processing Services | Investment Banking & Brokerage |
| Market Capitalization | 29.12 billion USD | 23.01 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | December 15, 2010 | November 18, 2010 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CPAY | LPLA |
|---|---|---|
| Total Return (1Y) | 65.09% | -17.27% |
| Total Return (3Y, Annualized) | 25.90% | 11.10% |
| Total Return (5Y, Annualized) | 13.34% | 13.92% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CPAY | LPLA |
|---|---|---|
| Volatility (1Y, Annualized) | 36.03% | 39.22% |
| Beta (5Y) | 0.87 | 0.52 |
| Max Drawdown (5Y) | -37.33% | -33.18% |
| Avg. Volume (3M) | 489.47K | 855.76K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CPAY | LPLA |
|---|---|---|
| Sharpe Ratio (1Y) | 1.69 | -0.55 |
| Sortino Ratio (1Y) | 2.83 | -0.70 |
Profitability
ROE (TTM)
Both Corpay (CPAY) at 32.21% and LPL Financial (LPLA) at 25.66% 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%
LPLA
Financial Services industry group
25.66%
- Max
- 44.78%
- LPLA
- 25.66%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Corpay (CPAY) at 23.73% and LPL Financial (LPLA) at 6.97% 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%
LPLA
Financial Services industry group
6.97%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- LPLA
- 6.97%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Corpay (CPAY) at 49.15% runs core operations around its industry’s norm, while LPL Financial (LPLA) at 10.85% 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%
LPLA
Financial Services industry group
10.85%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- LPLA
- 10.85%
- Min
- -44.34%
Profitability Metrics
| Metric | CPAY | LPLA |
|---|---|---|
| ROE (TTM) | 32.21% | 25.66% |
| ROA (TTM) | 6.80% | 7.35% |
| Net Margin (TTM) | 23.73% | 6.97% |
| Operating Margin (TTM) | 49.15% | 10.85% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
LPL Financial (LPLA) at 37.18% sits in the top revenue growth quartile, while Corpay (CPAY) at 13.93% is closer to the peer norm — faster top-line expansion for LPLA.
EPS Growth
Both Corpay (CPAY) at 7.59% and LPL Financial (LPLA) at -22.17% 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 | LPLA |
|---|---|---|
| Revenue Growth (YoY) | 13.93% | 37.18% |
| Revenue Growth (3Y CAGR) | 9.73% | 25.47% |
| EPS Growth (YoY) | 7.59% | -22.17% |
| EPS Growth (3Y CAGR) | 6.56% | 1.64% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Corpay (CPAY) in Financial Services and LPL Financial (LPLA) 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 LPL Financial (LPLA) 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 | LPLA |
|---|---|---|
| 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 LPL Financial (LPLA) reports a yield of 0.40%, 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%
LPLA
Financial Services industry group
0.40%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- LPLA
- 0.40%
- 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 LPL Financial (LPLA) reports a payout of 6.88%, 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%
LPLA
Financial Services industry group
6.88%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- LPLA
- 6.88%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | CPAY | LPLA |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.40% |
| Dividend Payout Ratio (TTM) | 0.00% | 6.88% |
Valuation
P/E Ratio (TTM)
LPL Financial (LPLA) at 16.93 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
LPLA
Financial Services industry group
16.93
- Max
- 45.85
- Q3
- 24.64
- LPLA
- 16.93
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
LPL Financial (LPLA) at 1.15 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
LPLA
Financial Services industry group
1.15
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- LPLA
- 1.15
- Min
- -0.55
P/B Ratio (MRQ)
Both look rich against book: LPL Financial (LPLA) at 3.98 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
LPLA
Financial Services industry group
3.98
- Max
- 7.79
- LPLA
- 3.98
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | CPAY | LPLA |
|---|---|---|
| P/E Ratio (TTM) | 25.02 | 16.93 |
| P/S Ratio (TTM) | 5.57 | 1.15 |
| P/B Ratio (MRQ) | 8.89 | 3.98 |
| Free Cash Flow Yield (TTM) | -- | -- |