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CPAY vs. SCHW: Corpay vs. Charles Schwab Stock Comparison

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

Company profile comparison for Corpay (CPAY) and Charles Schwab (SCHW)
Profile ItemCPAYSCHW
NameCorpay Inc.The Charles Schwab Corporation
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesCapital Markets
GICS Sub-IndustryTransaction & Payment Processing ServicesInvestment Banking & Brokerage
Market Capitalization29.12 billion USD158.22 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateDecember 15, 2010September 22, 1987
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

CPAY
SCHW
GSPC
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Corpay (CPAY) vs. Charles Schwab (SCHW), 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 Charles Schwab (SCHW). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Corpay (CPAY) and Charles Schwab (SCHW)
MetricCPAYSCHW
Total Return (1Y)65.09%-0.80%
Total Return (3Y, Annualized)25.90%21.35%
Total Return (5Y, Annualized)13.34%4.31%

Risk Profile

Drawdown History

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

Risk Metrics

Risk profile metrics for Corpay (CPAY) and Charles Schwab (SCHW)
MetricCPAYSCHW
Volatility (1Y, Annualized)36.03%26.01%
Beta (5Y)0.870.74
Max Drawdown (5Y)-37.33%-49.70%
Avg. Volume (3M)489.47K8.22M

Risk-Adjusted Performance

Risk-Return Positioning

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CPAY and SCHW 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 Charles Schwab (SCHW)
MetricCPAYSCHW
Sharpe Ratio (1Y)1.69-0.20
Sortino Ratio (1Y)2.83-0.26

Profitability

ROE (TTM)

Corpay (CPAY) at 32.21% sits in the top ROE quartile, while Charles Schwab (SCHW) at 21.12% 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%

SCHW

Financial Services industry group

21.12%

Max
44.78%
Q3
21.85%
SCHW
21.12%
Median
12.91%
Q1
4.48%
Min
-18.71%
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Corpay (CPAY) vs. Charles Schwab (SCHW): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Charles Schwab (SCHW) at 39.33% 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%

SCHW

Financial Services industry group

39.33%

Max
62.84%
SCHW
39.33%
Q3
28.05%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Corpay (CPAY) vs. Charles Schwab (SCHW): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both Corpay (CPAY) at 49.15% and Charles Schwab (SCHW) at 52.67% 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%

SCHW

Financial Services industry group

52.67%

Max
107.33%
Q3
55.90%
SCHW
52.67%
Median
30.09%
Q1
14.60%
Min
-44.34%
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Corpay (CPAY) vs. Charles Schwab (SCHW): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Corpay (CPAY) and Charles Schwab (SCHW)
MetricCPAYSCHW
ROE (TTM)32.21%21.12%
ROA (TTM)6.80%2.16%
Net Margin (TTM)23.73%39.33%
Operating Margin (TTM)49.15%52.67%
Gross Margin (TTM)----

Growth

Revenue Growth

Both Corpay (CPAY) at 13.93% and Charles Schwab (SCHW) at 22.01% 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. Charles Schwab (SCHW): A comparison of their Revenue Growth across different time periods.

EPS Growth

Charles Schwab (SCHW) at 55.52% 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 SCHW.

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Corpay (CPAY) vs. Charles Schwab (SCHW): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Corpay (CPAY) and Charles Schwab (SCHW)
MetricCPAYSCHW
Revenue Growth (YoY)13.93%22.01%
Revenue Growth (3Y CAGR)9.73%4.83%
EPS Growth (YoY)7.59%55.52%
EPS Growth (3Y CAGR)6.56%9.93%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Corpay (CPAY) in Financial Services and Charles Schwab (SCHW) 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 Charles Schwab (SCHW) 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 Charles Schwab (SCHW)
MetricCPAYSCHW
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 Charles Schwab (SCHW) reports a yield of 1.33%, 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%

SCHW

Financial Services industry group

1.33%

Max
9.77%
Q3
3.92%
SCHW
1.33%
Median
1.09%
Q1
0.00%
Min
0.00%
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Corpay (CPAY) vs. Charles Schwab (SCHW): 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 Charles Schwab (SCHW) reports a payout of 21.03%, 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%

SCHW

Financial Services industry group

21.03%

Max
241.07%
Q3
97.36%
Median
25.77%
SCHW
21.03%
Q1
0.00%
Min
0.00%
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Corpay (CPAY) vs. Charles Schwab (SCHW): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Corpay (CPAY) and Charles Schwab (SCHW)
MetricCPAYSCHW
Dividend Yield (TTM)0.00%1.33%
Dividend Payout Ratio (TTM)0.00%21.03%

Valuation

P/E Ratio (TTM)

Charles Schwab (SCHW) at 15.64 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

SCHW

Financial Services industry group

15.64

Max
45.85
Q3
24.64
SCHW
15.64
Median
15.37
Q1
9.68
Min
0.16
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Corpay (CPAY) vs. Charles Schwab (SCHW): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Both Corpay (CPAY) at 5.57 and Charles Schwab (SCHW) at 5.85 command a richer price per dollar of sales than most peers, sitting in the upper P/S ratio quartile of their industries.

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

SCHW

Financial Services industry group

5.85

Max
9.23
SCHW
5.85
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
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Corpay (CPAY) vs. Charles Schwab (SCHW): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Charles Schwab (SCHW) at 3.08 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

SCHW

Financial Services industry group

3.08

Max
7.79
Q3
3.63
SCHW
3.08
Median
1.57
Q1
0.81
Min
-0.39
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Corpay (CPAY) vs. Charles Schwab (SCHW): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Corpay (CPAY) and Charles Schwab (SCHW)
MetricCPAYSCHW
P/E Ratio (TTM)25.0215.64
P/S Ratio (TTM)5.575.85
P/B Ratio (MRQ)8.893.08
Free Cash Flow Yield (TTM)----