CPAY vs. UI: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at CPAY and UI, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | CPAY | UI |
|---|---|---|
| Company Name | Corpay, Inc. | Ubiquiti Inc. |
| Country | United States | United States |
| GICS Sector | Financials | Information Technology |
| GICS Industry | Financial Services | Communications Equipment |
| Market Capitalization | 19.79 billion USD | 33.43 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 15, 2010 | October 14, 2011 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of CPAY and UI 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 | UI |
|---|---|---|
| 5-Day Price Return | -0.72% | -5.24% |
| 13-Week Price Return | -12.15% | 38.67% |
| 26-Week Price Return | -21.35% | 22.31% |
| 52-Week Price Return | -24.73% | 65.52% |
| Month-to-Date Return | 7.19% | -29.04% |
| Year-to-Date Return | -17.54% | 68.28% |
| 10-Day Avg. Volume | 0.78M | 0.19M |
| 3-Month Avg. Volume | 0.53M | 0.18M |
| 3-Month Volatility | 31.44% | 82.15% |
| Beta | 0.85 | 1.41 |
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.
UI
142.46%
Communications Equipment Industry
- Max
- 31.28%
- Q3
- 24.67%
- Median
- 13.12%
- Q1
- 4.60%
- Min
- -12.73%
UI’s Return on Equity of 142.46% is exceptionally high, placing it well beyond the typical range for the Communications Equipment industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.
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.
UI
28.72%
Communications Equipment Industry
- Max
- 28.72%
- Q3
- 14.02%
- Median
- 5.41%
- Q1
- 2.50%
- Min
- -13.11%
A Net Profit Margin of 28.72% places UI in the upper quartile for the Communications Equipment 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.
UI
33.69%
Communications Equipment Industry
- Max
- 33.69%
- Q3
- 15.81%
- Median
- 6.02%
- Q1
- 3.00%
- Min
- -4.94%
An Operating Profit Margin of 33.69% places UI in the upper quartile for the Communications Equipment 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 | UI |
|---|---|---|
| Return on Equity (TTM) | 28.84% | 142.46% |
| Return on Assets (TTM) | 5.48% | 58.24% |
| Net Profit Margin (TTM) | 24.37% | 28.72% |
| Operating Profit Margin (TTM) | 44.42% | 33.69% |
| Gross Profit Margin (TTM) | 78.26% | 44.37% |
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.
UI
2.09
Communications Equipment Industry
- Max
- 3.28
- Q3
- 2.10
- Median
- 1.52
- Q1
- 1.17
- Min
- 0.91
UI’s Current Ratio of 2.09 aligns with the median group of the Communications Equipment industry, indicating that its short-term liquidity is in line with its sector peers.
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.
UI
0.16
Communications Equipment Industry
- Max
- 1.44
- Q3
- 0.96
- Median
- 0.43
- Q1
- 0.21
- Min
- 0.00
Falling into the lower quartile for the Communications Equipment industry, UI’s Debt-to-Equity Ratio of 0.16 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.
UI
27.30
Communications Equipment Industry
- Max
- 55.49
- Q3
- 34.19
- Median
- 8.92
- Q1
- 3.73
- Min
- -9.94
UI’s Interest Coverage Ratio of 27.30 is positioned comfortably within the norm for the Communications Equipment industry, indicating a standard and healthy capacity to cover its interest payments.
Financial Strength at a Glance
| Symbol | CPAY | UI |
|---|---|---|
| Current Ratio (MRQ) | 1.13 | 2.09 |
| Quick Ratio (MRQ) | 1.05 | 0.81 |
| Debt-to-Equity Ratio (MRQ) | 1.99 | 0.16 |
| Interest Coverage Ratio (TTM) | 6.72 | 27.30 |
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.
UI
0.48%
Communications Equipment Industry
- Max
- 2.99%
- Q3
- 2.30%
- Median
- 0.91%
- Q1
- 0.00%
- Min
- 0.00%
UI’s Dividend Yield of 0.48% is consistent with its peers in the Communications Equipment industry, providing a dividend return that is standard for its sector.
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.
UI
19.86%
Communications Equipment Industry
- Max
- 111.16%
- Q3
- 61.16%
- Median
- 30.78%
- Q1
- 0.00%
- Min
- 0.00%
UI’s Dividend Payout Ratio of 19.86% is within the typical range for the Communications Equipment industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | CPAY | UI |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.48% |
| Dividend Payout Ratio (TTM) | 0.00% | 19.86% |
Valuation
Price-to-Earnings Ratio (TTM)
CPAY
18.57
Financial Services Industry
- Max
- 46.13
- Q3
- 28.79
- Median
- 13.18
- Q1
- 9.14
- Min
- 0.47
CPAY’s P/E Ratio of 18.57 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.
UI
41.23
Communications Equipment Industry
- Max
- 74.67
- Q3
- 56.42
- Median
- 31.00
- Q1
- 15.93
- Min
- 3.89
UI’s P/E Ratio of 41.23 is within the middle range for the Communications Equipment 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
4.52
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.
UI
11.84
Communications Equipment Industry
- Max
- 11.84
- Q3
- 5.68
- Median
- 2.55
- Q1
- 1.24
- Min
- 0.40
UI’s P/S Ratio of 11.84 is in the upper echelon for the Communications Equipment 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
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.
UI
48.24
Communications Equipment Industry
- Max
- 6.02
- Q3
- 6.01
- Median
- 3.83
- Q1
- 2.41
- Min
- 0.42
At 48.24, UI’s P/B Ratio is at an extreme premium to the Communications Equipment 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 | UI |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 18.57 | 41.23 |
| Price-to-Sales Ratio (TTM) | 4.52 | 11.84 |
| Price-to-Book Ratio (MRQ) | 4.99 | 48.24 |
| Price-to-Free Cash Flow Ratio (TTM) | 9.54 | 55.37 |