CPAY vs. WSE: Corpay vs. Wise Stock Comparison
How do Corpay (CPAY) and Wise (WSE) 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 Wise (WSE) are both classified in the Transaction & Payment Processing Services sub-industry within the broader Financial Services industry, placing them in the closest GICS peer bucket.
Corpay (CPAY) has been public since December 15, 2010 with a meaningfully longer listed history, while Wise (WSE) only listed on May 11, 2026 — long-window metrics on the WSE side should be interpreted with caution.
| Profile Item | CPAY | WSE |
|---|---|---|
| Name | Corpay Inc. | Wise Group plc |
| Country/Region | United States | United Kingdom |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Financial Services |
| GICS Sub-Industry | Transaction & Payment Processing Services | Transaction & Payment Processing Services |
| Market Capitalization | 29.12 billion USD | 10.76 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | December 15, 2010 | May 11, 2026 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CPAY | WSE |
|---|---|---|
| Total Return (1Y) | 65.09% | -- |
| Total Return (3Y, Annualized) | 25.90% | -- |
| Total Return (5Y, Annualized) | 13.34% | -- |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CPAY | WSE |
|---|---|---|
| Volatility (1Y, Annualized) | 36.03% | 44.06% |
| Beta (5Y) | 0.87 | 1.56 |
| Max Drawdown (5Y) | -37.33% | -32.47% |
| Avg. Volume (3M) | 489.47K | 1.74M |
Risk-Adjusted Performance
Risk-Return Positioning
Both CPAY and WSE need 1-year volatility and 1-year return to plot risk-return positioning.
Risk-Adjusted Metrics
| Metric | CPAY | WSE |
|---|---|---|
| Sharpe Ratio (1Y) | 1.69 | -- |
| Sortino Ratio (1Y) | 2.83 | -- |
Profitability
ROE (TTM)
Both Corpay (CPAY) at 32.21% and Wise (WSE) at 27.23% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.
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%
WSE
Financial Services industry group
27.23%
- Max
- 44.78%
- WSE
- 27.23%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Corpay (CPAY) at 23.73% and Wise (WSE) at 19.93% 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%
WSE
Financial Services industry group
19.93%
- Max
- 62.84%
- Q3
- 28.05%
- WSE
- 19.93%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Wise (WSE) at 59.77% operates in the top operating margin quartile, ahead of Corpay (CPAY) at 49.15%, which runs around its industry’s norm.
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%
WSE
Financial Services industry group
59.77%
- Max
- 107.33%
- WSE
- 59.77%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | CPAY | WSE |
|---|---|---|
| ROE (TTM) | 32.21% | 27.23% |
| ROA (TTM) | 6.80% | 2.41% |
| Net Margin (TTM) | 23.73% | 19.93% |
| Operating Margin (TTM) | 49.15% | 59.77% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Corpay (CPAY) at 13.93% and Wise (WSE) at 17.14% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Corpay (CPAY) at 7.59% and Wise (WSE) at -5.78% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | CPAY | WSE |
|---|---|---|
| Revenue Growth (YoY) | 13.93% | 17.14% |
| Revenue Growth (3Y CAGR) | 9.73% | 30.26% |
| EPS Growth (YoY) | 7.59% | -5.78% |
| EPS Growth (3Y CAGR) | 6.56% | 52.89% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Corpay (CPAY) in Financial Services and Wise (WSE) 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 Wise (WSE) 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 | WSE |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Neither Corpay (CPAY) nor Wise (WSE) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
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%
WSE
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- WSE
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Neither Corpay (CPAY) nor Wise (WSE) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
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%
WSE
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- WSE
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | CPAY | WSE |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
P/E Ratio (TTM)
Wise (WSE) at 23.23 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
WSE
Financial Services industry group
23.23
- Max
- 45.85
- Q3
- 24.64
- WSE
- 23.23
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Wise (WSE) at 4.30 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
WSE
Financial Services industry group
4.30
- Max
- 9.23
- Q3
- 4.57
- WSE
- 4.30
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Both look rich against book: Wise (WSE) at 5.94 sits in the upper P/B ratio quartile, and Corpay (CPAY) at 8.89 prices even higher, above its industry range.
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
WSE
Financial Services industry group
5.94
- Max
- 7.79
- WSE
- 5.94
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | CPAY | WSE |
|---|---|---|
| P/E Ratio (TTM) | 25.02 | 23.23 |
| P/S Ratio (TTM) | 5.57 | 4.30 |
| P/B Ratio (MRQ) | 8.89 | 5.94 |
| Free Cash Flow Yield (TTM) | -- | -- |