CPAY vs. SHOP: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at CPAY and SHOP, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | CPAY | SHOP |
|---|---|---|
| Company Name | Corpay, Inc. | Shopify Inc. |
| Country | United States | Canada |
| GICS Sector | Financials | Information Technology |
| GICS Industry | Financial Services | IT Services |
| Market Capitalization | 20.39 billion USD | 192.41 billion USD |
| Exchange | NYSE | NasdaqGS |
| Listing Date | December 15, 2010 | May 20, 2015 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of CPAY and SHOP 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 | SHOP |
|---|---|---|
| 5-Day Price Return | -0.63% | -1.01% |
| 13-Week Price Return | -12.71% | 5.77% |
| 26-Week Price Return | -20.49% | 32.50% |
| 52-Week Price Return | -24.69% | 38.22% |
| Month-to-Date Return | 6.51% | -16.85% |
| Year-to-Date Return | -18.06% | 35.95% |
| 10-Day Avg. Volume | 0.64M | 10.19M |
| 3-Month Avg. Volume | 0.53M | 8.44M |
| 3-Month Volatility | 31.52% | 44.95% |
| Beta | 0.82 | 2.88 |
Profitability
Return on Equity (TTM)
CPAY
28.84%
Financial Services Industry
- Max
- 34.42%
- Q3
- 16.76%
- Median
- 9.18%
- Q1
- 3.90%
- Min
- -10.16%
In the upper quartile for the Financial Services industry, CPAY’s Return on Equity of 28.84% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
SHOP
15.08%
IT Services Industry
- Max
- 37.08%
- Q3
- 19.28%
- Median
- 14.70%
- Q1
- 6.70%
- Min
- -8.16%
SHOP’s Return on Equity of 15.08% is on par with the norm for the IT Services industry, indicating its profitability relative to shareholder equity is typical for the sector.
Net Profit Margin (TTM)
CPAY
24.37%
Financial Services Industry
- Max
- 52.16%
- Q3
- 25.33%
- Median
- 13.11%
- Q1
- 7.04%
- Min
- -8.99%
CPAY’s Net Profit Margin of 24.37% 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.
SHOP
16.65%
IT Services Industry
- Max
- 17.01%
- Q3
- 11.02%
- Median
- 6.91%
- Q1
- 3.07%
- Min
- -5.13%
A Net Profit Margin of 16.65% places SHOP in the upper quartile for the IT Services industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin (TTM)
CPAY
44.42%
Financial Services Industry
- Max
- 81.07%
- Q3
- 40.32%
- Median
- 19.93%
- Q1
- 10.20%
- Min
- -34.40%
An Operating Profit Margin of 44.42% 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.
SHOP
12.17%
IT Services Industry
- Max
- 23.01%
- Q3
- 15.32%
- Median
- 9.57%
- Q1
- 4.91%
- Min
- -9.58%
SHOP’s Operating Profit Margin of 12.17% is around the midpoint for the IT Services industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | CPAY | SHOP |
|---|---|---|
| Return on Equity (TTM) | 28.84% | 15.08% |
| Return on Assets (TTM) | 5.48% | 12.51% |
| Net Profit Margin (TTM) | 24.37% | 16.65% |
| Operating Profit Margin (TTM) | 44.42% | 12.17% |
| Gross Profit Margin (TTM) | 78.26% | 48.75% |
Financial Strength
Current Ratio (MRQ)
CPAY
1.13
Financial Services Industry
- Max
- 4.36
- Q3
- 2.26
- Median
- 1.33
- Q1
- 0.86
- Min
- 0.01
For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
SHOP
3.93
IT Services Industry
- Max
- 3.02
- Q3
- 1.91
- Median
- 1.36
- Q1
- 1.02
- Min
- 0.49
SHOP’s Current Ratio of 3.93 is exceptionally high, placing it well outside the typical range for the IT Services industry. This indicates a very strong liquidity position, though such a high ratio may also suggest that the company is not using its assets efficiently to generate profits.
Debt-to-Equity Ratio (MRQ)
CPAY
1.99
Financial Services Industry
- Max
- 5.07
- Q3
- 2.14
- Median
- 0.55
- Q1
- 0.11
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.
SHOP
0.07
IT Services Industry
- Max
- 2.55
- Q3
- 1.30
- Median
- 0.55
- Q1
- 0.14
- Min
- 0.00
Falling into the lower quartile for the IT Services industry, SHOP’s Debt-to-Equity Ratio of 0.07 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
- 140.54
- Q3
- 57.67
- Median
- 6.72
- Q1
- 1.93
- Min
- -33.27
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.
SHOP
-0.29
IT Services Industry
- Max
- 129.00
- Q3
- 56.00
- Median
- 11.69
- Q1
- 1.68
- Min
- -28.15
SHOP has a negative Interest Coverage Ratio of -0.29. This indicates that its earnings were insufficient to cover even its operational costs, let alone its interest payments, signaling significant financial distress.
Financial Strength at a Glance
| Symbol | CPAY | SHOP |
|---|---|---|
| Current Ratio (MRQ) | 1.13 | 3.93 |
| Quick Ratio (MRQ) | 1.05 | 3.93 |
| Debt-to-Equity Ratio (MRQ) | 1.99 | 0.07 |
| Interest Coverage Ratio (TTM) | 6.72 | -0.29 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
CPAY
0.00%
Financial Services Industry
- Max
- 7.52%
- Q3
- 3.60%
- Median
- 1.75%
- 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.
SHOP
0.00%
IT Services Industry
- Max
- 4.66%
- Q3
- 2.02%
- Median
- 0.66%
- Q1
- 0.00%
- Min
- 0.00%
SHOP 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.
Dividend Payout Ratio (TTM)
CPAY
0.00%
Financial Services Industry
- Max
- 132.10%
- Q3
- 64.32%
- Median
- 17.51%
- 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.
SHOP
0.00%
IT Services Industry
- Max
- 93.78%
- Q3
- 63.22%
- Median
- 24.64%
- Q1
- 0.00%
- Min
- 0.00%
SHOP 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.
Dividend at a Glance
| Symbol | CPAY | SHOP |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
CPAY
18.45
Financial Services Industry
- Max
- 46.13
- Q3
- 28.79
- Median
- 13.18
- Q1
- 9.14
- Min
- 0.47
CPAY’s P/E Ratio of 18.45 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.
SHOP
108.24
IT Services Industry
- Max
- 45.03
- Q3
- 30.25
- Median
- 21.01
- Q1
- 16.50
- Min
- 0.00
At 108.24, SHOP’s P/E Ratio is exceptionally high, exceeding the typical maximum for the IT Services industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
Price-to-Sales Ratio (TTM)
CPAY
4.50
Financial Services Industry
- Max
- 9.71
- Q3
- 4.81
- Median
- 2.49
- Q1
- 1.25
- Min
- 0.04
The P/S Ratio is often not a primary valuation tool in the Financial Services industry.
SHOP
18.02
IT Services Industry
- Max
- 5.24
- Q3
- 4.01
- Median
- 2.18
- Q1
- 1.08
- Min
- 0.00
With a P/S Ratio of 18.02, SHOP trades at a valuation that eclipses even the highest in the IT Services industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.
Price-to-Book Ratio (MRQ)
CPAY
4.99
Financial Services Industry
- Max
- 7.21
- Q3
- 3.51
- Median
- 1.52
- Q1
- 0.88
- Min
- 0.08
CPAY’s P/B Ratio of 4.99 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.
SHOP
15.44
IT Services Industry
- Max
- 9.42
- Q3
- 5.79
- Median
- 3.70
- Q1
- 2.30
- Min
- 0.79
At 15.44, SHOP’s P/B Ratio is at an extreme premium to the IT Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
Valuation at a Glance
| Symbol | CPAY | SHOP |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 18.45 | 108.24 |
| Price-to-Sales Ratio (TTM) | 4.50 | 18.02 |
| Price-to-Book Ratio (MRQ) | 4.99 | 15.44 |
| Price-to-Free Cash Flow Ratio (TTM) | 9.48 | 101.30 |