CPAY vs. SOFI: Corpay vs. SoFi Stock Comparison

Company Profile

Corpay (CPAY) and SoFi (SOFI) both fall under the Financial Services industry group, but CPAY is classified in Financial Services while SOFI is classified in Consumer Finance.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

SoFi (SOFI) carries a highly aggressive beta of 2.22, indicating much higher sensitivity to broad-market moves, whereas Corpay (CPAY) is closer to market-like at 0.87 — a noticeable difference in market-sensitivity profile.

SoFi (SOFI) is heavily traded at around 48.09M shares per day, whereas Corpay (CPAY) sees a more moderate 489.47K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Corpay (CPAY) at 32.21% sits in the top ROE quartile, while SoFi (SOFI) at 7.35% is closer to the peer norm — stronger capital efficiency for CPAY.

Both Corpay (CPAY) at 23.73% and SoFi (SOFI) at 15.75% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Both Corpay (CPAY) at 49.15% and SoFi (SOFI) at 23.19% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

SoFi (SOFI) at 38.32% sits in the top revenue growth quartile, while Corpay (CPAY) at 13.93% is closer to the peer norm — faster top-line expansion for SOFI.

Both Corpay (CPAY) at 7.59% and SoFi (SOFI) at 0.00% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Corpay (CPAY) in Financial Services and SoFi (SOFI) 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-to-equity ratio is set aside for both: Corpay (CPAY) in Financial Services and SoFi (SOFI) 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

Dividends

Neither Corpay (CPAY) nor SoFi (SOFI) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Neither Corpay (CPAY) nor SoFi (SOFI) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Dividend Metrics

Valuation

Both Corpay (CPAY) at 25.02 and SoFi (SOFI) at 29.47 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

SoFi (SOFI) at 4.49 is priced about in line with its industry on P/S ratio, while Corpay (CPAY) at 5.57 sits in the pricier quartile — CPAY costs more per dollar of sales.

SoFi (SOFI) at 1.86 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.

Valuation Metrics