CPAY vs. PAYC: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at CPAY and PAYC, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | CPAY | PAYC |
|---|---|---|
| Company Name | Corpay, Inc. | Paycom Software, Inc. |
| Country | United States | United States |
| GICS Sector | Financials | Industrials |
| GICS Industry | Financial Services | Professional Services |
| Market Capitalization | 22.36 billion USD | 12.46 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 15, 2010 | April 15, 2014 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of CPAY and PAYC by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | CPAY | PAYC |
|---|---|---|
| 5-Day Price Return | 3.97% | -5.09% |
| 13-Week Price Return | -9.46% | -14.28% |
| 26-Week Price Return | -18.73% | 8.04% |
| 52-Week Price Return | 13.78% | 44.10% |
| Month-to-Date Return | -2.00% | -4.34% |
| Year-to-Date Return | -6.45% | 8.06% |
| 10-Day Avg. Volume | 0.67M | 0.83M |
| 3-Month Avg. Volume | 0.52M | 0.61M |
| 3-Month Volatility | 34.16% | 28.70% |
| Beta | 1.01 | 0.84 |
Profitability
Return on Equity (TTM)
CPAY
30.89%
Financial Services Industry
- Max
- 40.58%
- Q3
- 20.06%
- Median
- 10.67%
- Q1
- 4.19%
- Min
- -10.31%
In the upper quartile for the Financial Services industry, CPAY’s Return on Equity of 30.89% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
PAYC
25.35%
Professional Services Industry
- Max
- 52.17%
- Q3
- 30.06%
- Median
- 22.21%
- Q1
- 11.67%
- Min
- -13.44%
PAYC’s Return on Equity of 25.35% is on par with the norm for the Professional Services industry, indicating its profitability relative to shareholder equity is typical for the sector.
Net Profit Margin (TTM)
CPAY
25.17%
Financial Services Industry
- Max
- 52.86%
- Q3
- 25.58%
- Median
- 12.23%
- Q1
- 6.64%
- Min
- -9.92%
CPAY’s Net Profit Margin of 25.17% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.
PAYC
21.21%
Professional Services Industry
- Max
- 26.06%
- Q3
- 13.34%
- Median
- 7.88%
- Q1
- 3.50%
- Min
- -2.93%
A Net Profit Margin of 21.21% places PAYC in the upper quartile for the Professional Services industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin (TTM)
CPAY
44.50%
Financial Services Industry
- Max
- 77.28%
- Q3
- 37.68%
- Median
- 18.17%
- Q1
- 9.27%
- Min
- -8.19%
An Operating Profit Margin of 44.50% places CPAY in the upper quartile for the Financial Services industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
PAYC
28.10%
Professional Services Industry
- Max
- 35.84%
- Q3
- 19.38%
- Median
- 12.54%
- Q1
- 7.36%
- Min
- -5.21%
An Operating Profit Margin of 28.10% places PAYC in the upper quartile for the Professional Services industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
Profitability at a Glance
| Symbol | CPAY | PAYC |
|---|---|---|
| Return on Equity (TTM) | 30.89% | 25.35% |
| Return on Assets (TTM) | 5.63% | 9.26% |
| Net Profit Margin (TTM) | 25.17% | 21.21% |
| Operating Profit Margin (TTM) | 44.50% | 28.10% |
| Gross Profit Margin (TTM) | 78.12% | 82.44% |
Financial Strength
Current Ratio (MRQ)
CPAY
1.12
Financial Services Industry
- Max
- 4.58
- Q3
- 2.59
- Median
- 1.33
- Q1
- 0.69
- Min
- 0.01
For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
PAYC
1.30
Professional Services Industry
- Max
- 2.45
- Q3
- 1.65
- Median
- 1.26
- Q1
- 1.10
- Min
- 0.47
PAYC’s Current Ratio of 1.30 aligns with the median group of the Professional Services industry, indicating that its short-term liquidity is in line with its sector peers.
Debt-to-Equity Ratio (MRQ)
CPAY
2.07
Financial Services Industry
- Max
- 4.96
- Q3
- 2.10
- Median
- 0.57
- Q1
- 0.12
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.
PAYC
0.00
Professional Services Industry
- Max
- 2.63
- Q3
- 1.44
- Median
- 0.91
- Q1
- 0.49
- Min
- 0.00
Falling into the lower quartile for the Professional Services industry, PAYC’s Debt-to-Equity Ratio of 0.00 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.
Interest Coverage Ratio (TTM)
CPAY
6.72
Financial Services Industry
- Max
- 136.23
- Q3
- 56.08
- Median
- 6.55
- Q1
- 2.01
- Min
- -33.27
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.
PAYC
191.88
Professional Services Industry
- Max
- 39.67
- Q3
- 20.05
- Median
- 11.07
- Q1
- 5.36
- Min
- -2.22
With an Interest Coverage Ratio of 191.88, PAYC demonstrates a superior capacity to service its debt, placing it well above the typical range for the Professional Services industry. This stems from either robust earnings or a conservative debt load.
Financial Strength at a Glance
| Symbol | CPAY | PAYC |
|---|---|---|
| Current Ratio (MRQ) | 1.12 | 1.30 |
| Quick Ratio (MRQ) | 1.01 | 1.27 |
| Debt-to-Equity Ratio (MRQ) | 2.07 | 0.00 |
| Interest Coverage Ratio (TTM) | 6.72 | 191.88 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
CPAY
0.00%
Financial Services Industry
- Max
- 8.18%
- Q3
- 3.60%
- Median
- 1.56%
- Q1
- 0.00%
- Min
- 0.00%
CPAY currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
PAYC
0.68%
Professional Services Industry
- Max
- 5.28%
- Q3
- 2.51%
- Median
- 1.63%
- Q1
- 0.62%
- Min
- 0.00%
PAYC’s Dividend Yield of 0.68% is consistent with its peers in the Professional Services industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio (TTM)
CPAY
0.00%
Financial Services Industry
- Max
- 155.56%
- Q3
- 63.71%
- Median
- 18.08%
- Q1
- 0.00%
- Min
- 0.00%
CPAY has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
PAYC
20.52%
Professional Services Industry
- Max
- 109.23%
- Q3
- 64.39%
- Median
- 47.00%
- Q1
- 20.35%
- Min
- 0.00%
PAYC’s Dividend Payout Ratio of 20.52% is within the typical range for the Professional Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | CPAY | PAYC |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.68% |
| Dividend Payout Ratio (TTM) | 0.00% | 20.52% |
Valuation
Price-to-Earnings Ratio (TTM)
CPAY
20.81
Financial Services Industry
- Max
- 63.23
- Q3
- 32.10
- Median
- 14.41
- Q1
- 10.81
- Min
- 0.37
CPAY’s P/E Ratio of 20.81 is within the middle range for the Financial Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
PAYC
29.96
Professional Services Industry
- Max
- 49.59
- Q3
- 36.59
- Median
- 28.13
- Q1
- 18.55
- Min
- 10.07
PAYC’s P/E Ratio of 29.96 is within the middle range for the Professional Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Price-to-Sales Ratio (TTM)
CPAY
5.24
Financial Services Industry
- Max
- 11.16
- Q3
- 5.45
- Median
- 2.61
- Q1
- 1.25
- Min
- 0.04
The P/S Ratio is often not a primary valuation tool in the Financial Services industry.
PAYC
6.36
Professional Services Industry
- Max
- 9.54
- Q3
- 5.11
- Median
- 2.10
- Q1
- 0.75
- Min
- 0.11
PAYC’s P/S Ratio of 6.36 is in the upper echelon for the Professional Services industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.
Price-to-Book Ratio (MRQ)
CPAY
5.95
Financial Services Industry
- Max
- 7.09
- Q3
- 3.79
- Median
- 1.46
- Q1
- 0.83
- Min
- 0.04
CPAY’s P/B Ratio of 5.95 is in the upper tier for the Financial Services industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
PAYC
7.19
Professional Services Industry
- Max
- 13.75
- Q3
- 8.87
- Median
- 4.35
- Q1
- 2.43
- Min
- 0.54
PAYC’s P/B Ratio of 7.19 is within the conventional range for the Professional Services industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
Valuation at a Glance
| Symbol | CPAY | PAYC |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 20.81 | 29.96 |
| Price-to-Sales Ratio (TTM) | 5.24 | 6.36 |
| Price-to-Book Ratio (MRQ) | 5.95 | 7.19 |
| Price-to-Free Cash Flow Ratio (TTM) | 10.67 | 35.11 |