CPAY vs. VIRT: Corpay vs. Virtu Financial Stock Comparison
How do Corpay (CPAY) and Virtu Financial (VIRT) 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 Virtu Financial (VIRT) both fall under the Financial Services industry group, but CPAY is classified in Financial Services while VIRT is classified in Capital Markets.
| Profile Item | CPAY | VIRT |
|---|---|---|
| Name | Corpay Inc. | Virtu Financial Inc. Class A Common Stock |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Capital Markets |
| GICS Sub-Industry | Transaction & Payment Processing Services | Investment Banking & Brokerage |
| Market Capitalization | 29.12 billion USD | 11.67 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 15, 2010 | April 16, 2015 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CPAY | VIRT |
|---|---|---|
| Total Return (1Y) | 65.09% | 57.98% |
| Total Return (3Y, Annualized) | 25.90% | 51.24% |
| Total Return (5Y, Annualized) | 13.34% | 19.25% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CPAY | VIRT |
|---|---|---|
| Volatility (1Y, Annualized) | 36.03% | 37.43% |
| Beta (5Y) | 0.87 | 0.69 |
| Max Drawdown (5Y) | -37.33% | -54.52% |
| Avg. Volume (3M) | 489.47K | 1.26M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CPAY | VIRT |
|---|---|---|
| Sharpe Ratio (1Y) | 1.69 | 1.43 |
| Sortino Ratio (1Y) | 2.83 | 2.27 |
Profitability
ROE (TTM)
Both companies show strong equity returns, but Virtu Financial (VIRT) at 57.03% is the standout with ROE above its industry range; Corpay (CPAY) at 32.21% also sits in the top quartile.
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%
VIRT
Financial Services industry group
57.03%
- VIRT
- 57.03%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Corpay (CPAY) at 23.73% and Virtu Financial (VIRT) at 17.96% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
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%
VIRT
Financial Services industry group
17.96%
- Max
- 62.84%
- Q3
- 28.05%
- VIRT
- 17.96%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Corpay (CPAY) at 49.15% and Virtu Financial (VIRT) at 36.32% 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%
VIRT
Financial Services industry group
36.32%
- Max
- 107.33%
- Q3
- 55.90%
- VIRT
- 36.32%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | CPAY | VIRT |
|---|---|---|
| ROE (TTM) | 32.21% | 57.03% |
| ROA (TTM) | 6.80% | 5.01% |
| Net Margin (TTM) | 23.73% | 17.96% |
| Operating Margin (TTM) | 49.15% | 36.32% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Corpay (CPAY) at 13.93% and Virtu Financial (VIRT) at 26.25% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Virtu Financial (VIRT) at 72.73% 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 VIRT.
Growth Metrics
| Metric | CPAY | VIRT |
|---|---|---|
| Revenue Growth (YoY) | 13.93% | 26.25% |
| Revenue Growth (3Y CAGR) | 9.73% | 15.38% |
| EPS Growth (YoY) | 7.59% | 72.73% |
| EPS Growth (3Y CAGR) | 6.56% | 28.11% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Corpay (CPAY) in Financial Services and Virtu Financial (VIRT) 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 Virtu Financial (VIRT) 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
| Metric | CPAY | VIRT |
|---|---|---|
| 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 Virtu Financial (VIRT) reports a yield of 1.78%, 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%
VIRT
Financial Services industry group
1.78%
- Max
- 9.77%
- Q3
- 3.92%
- VIRT
- 1.78%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
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 Virtu Financial (VIRT) reports a payout of 15.95%, 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%
VIRT
Financial Services industry group
15.95%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- VIRT
- 15.95%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | CPAY | VIRT |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 1.78% |
| Dividend Payout Ratio (TTM) | 0.00% | 15.95% |
Valuation
P/E Ratio (TTM)
Virtu Financial (VIRT) at 7.92 sits in the cheaper P/E ratio quartile, while Corpay (CPAY) at 25.02 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.
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
VIRT
Financial Services industry group
7.92
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- VIRT
- 7.92
- Min
- 0.16
P/S Ratio (TTM)
Virtu Financial (VIRT) at 3.35 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.
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
VIRT
Financial Services industry group
3.35
- Max
- 9.23
- Q3
- 4.57
- VIRT
- 3.35
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Virtu Financial (VIRT) at 1.92 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
VIRT
Financial Services industry group
1.92
- Max
- 7.79
- Q3
- 3.63
- VIRT
- 1.92
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | CPAY | VIRT |
|---|---|---|
| P/E Ratio (TTM) | 25.02 | 7.92 |
| P/S Ratio (TTM) | 5.57 | 3.35 |
| P/B Ratio (MRQ) | 8.89 | 1.92 |
| Free Cash Flow Yield (TTM) | -- | -- |