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 $50.8B against $29.4B — 1.7× the size. Corpay, Inc. trades at the lower P/E: 24.5× against 112×. Corpay, Inc. grew revenue faster over the last twelve months: 21.2% against 6.98%. Corpay, Inc. has the higher net margin (23.5% vs 1.80%) and the higher return on invested capital (60,347.6% vs 3.58%). Across the 22 metrics below, Corpay, Inc. leads on 13 and Block, Inc. on 9.

Valuation

Metric CPAY XYZ Software Infrastructure median
P/E 24.55 111.61 24.43
P/S 5.67 1.98 2.81
P/B 8.87 2.22 2.88
Price to free cash flow 22.24 14.73 17.94
EV/EBITDA 9.88 135.86 14.51
EV/Sales 5.03 1.96 2.91
Earnings yield 4.07% 0.90% 0.00%
Free cash flow yield 4.50% 6.79% 0.49%

Profitability

Metric CPAY XYZ Software Infrastructure median
Gross margin 100.00% 47.50% 57.45%
Operating margin 43.87% 4.64% 0.00%
Net margin 23.54% 1.80% 0.00%
Free cash flow margin 25.49% 13.47% 0.00%
Return on equity 32.99% 2.03% 0.00%
Return on assets 5.15% 1.15% 0.00%
Return on invested capital 60,347.59% 3.58% 0.00%

Growth

Metric CPAY XYZ Software Infrastructure median
Revenue growth (TTM) 21.22% 6.98% 14.28%
EPS growth (last fiscal year) 7.59% (53.95%) 18.26%
Revenue growth, 5-year CAGR 13.65% 20.56% 16.15%
Net income growth, 5-year CAGR 8.69% 43.70% 0.00%

Health

Metric CPAY XYZ Software Infrastructure median
Debt to equity 1.82 0.25 0.02
Current ratio 0.95 2.23 1.53
Net debt to EBITDA (0.97) 0.22 0.05

Dividend

Metric CPAY XYZ Software Infrastructure median
Dividend yield — — 1.06%
Payout ratio — — 0.29

Size

Metric CPAY XYZ Software Infrastructure median
Market cap 29.35b 50.80b 661.51m

Compare with another peer

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