Corpay, Inc. (CPAY) vs Block, Inc. (XYZ)

Corpay, Inc. and Block, Inc. are both Software Infrastructure companies. Block, Inc. is the larger, with a market value of $44.1B against $26.0B — 1.7× the size. Corpay, Inc. trades at the lower P/E: 23.8× against 126×. Corpay, Inc. grew revenue faster over the last twelve months: 20.4% against 5.07%. Corpay, Inc. has the higher net margin (22.6% vs 1.43%) and the lower return on invested capital (0.00% vs 3.43%). Across the 22 metrics below, Corpay, Inc. leads on 12 and Block, Inc. on 10.

Valuation

Metric CPAY XYZ Software Infrastructure median
P/E 23.83 126.43 27.96
P/S 5.17 1.75 3.21
P/B 7.24 1.99 3.29
Price to free cash flow 15.85 11.30 17.05
EV/EBITDA 8.23 125.58 14.85
EV/Sales 4.36 1.79 3.09
Earnings yield 4.20% 0.79% 0.11%
Free cash flow yield 6.31% 8.85% 1.15%

Profitability

Metric CPAY XYZ Software Infrastructure median
Gross margin 100.00% 46.36% 61.46%
Operating margin 43.74% 4.67% 0.00%
Net margin 22.58% 1.43% 0.00%
Free cash flow margin 32.63% 15.50% 1.67%
Return on equity 30.01% 1.62% 0.60%
Return on assets 4.66% 0.94% 0.00%
Return on invested capital 0.00% 3.43% 0.00%

Growth

Metric CPAY XYZ Software Infrastructure median
Revenue growth (TTM) 20.36% 5.07% 14.02%
EPS growth (last fiscal year) 7.59% (53.95%) 28.86%
Revenue growth, 5-year CAGR 13.65% 20.56% 15.81%
Net income growth, 5-year CAGR 8.69% 43.70% 0.00%

Health

Metric CPAY XYZ Software Infrastructure median
Debt to equity 1.70 0.26 0.06
Current ratio 0.97 2.21 1.55
Net debt to EBITDA (0.97) 0.22 0.08

Dividend

Metric CPAY XYZ Software Infrastructure median
Dividend yield — — 1.35%
Payout ratio 0.00 0.00 0.00

Size

Metric CPAY XYZ Software Infrastructure median
Market cap 26.02b 44.09b 816.46m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack