COMP <GO>
CPAY vs MA // RETURN ON INVESTED CAPITAL (ROIC)
Corpay Inc. (NYSE) VS. Mastercard Incorporated (NYSE) • 15-METRIC TALLY: CPAY 4
— MA 10
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: MA
LAST: $400.94 (+0.75%) • MKT CAP: $26.13B
roic
23.20%
LAST: $638.01 (+0.36%) • MKT CAP: $556.88B
roic
33.50%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CPAY VS. MA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CPAY | MA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 23.20% | 33.50% | -10.30 | MA | /roic <GO> |
| EV/EBITDA & P/E Valuation | 13.4x | 29.2x | -15.80 | CPAY | /valuation <GO> |
| Free Cash Flow Yield | 4.97% | 3.08% | +1.89 | CPAY | /fcf-yield <GO> |
| Operating Margin | 44.00% | 57.60% | -13.60 | MA | /operating-margins <GO> |
| Net Profit Margin | 23.60% | 45.60% | -22.00 | MA | /net-margins <GO> |
| Revenue Growth (YoY) | 13.90% | 16.40% | -2.50 | MA | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.49% | -0.49 | MA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 2.19 | 11.17 | -8.98 | MA | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 8/9 | -1.00 | MA | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.30% | 6.60% | +0.70 | MA | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 49.8 | 70.6 | -20.88 | MA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.11 | 0.90 | +0.21 | CPAY | /macro-sensitivity <GO> |
| Forward P/E Multiple | 20.5x | 31.2x | -10.70 | CPAY | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $26.13B | $556.88B | -$530.75B | MA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CPAY REV | MA REV | CPAY GROSS % | MA GROSS % | CPAY FCF | MA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $4.53B | $32.79B | 44.0% | 44.0% | $1.30B | $17.16B |
| FY 2024 | $3.97B | $28.17B | 44.0% | 44.0% | $1.77B | $14.31B |
| FY 2023 | $3.76B | $25.10B | 44.0% | 44.0% | $1.93B | $10.85B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CPAY // BETA 1.11
MA // BETA 0.90