Corpay Inc (CPAY)vsFortinet Inc (FTNT)
CPAY
Corpay Inc
$397.22
-0.14%
TECHNOLOGY · Cap: $26.12B
FTNT
Fortinet Inc
$174.26
-0.55%
TECHNOLOGY · Cap: $114.51B
Smart Verdict
WallStSmart Research — data-driven comparison
Fortinet Inc generates 50% more annual revenue ($7.53B vs $5.02B). FTNT leads profitability with a 28.2% profit margin vs 22.7%. CPAY appears more attractively valued with a PEG of 0.76. FTNT earns a higher WallStSmart Score of 73/100 (B).
CPAY
Strong Buy70
out of 100
Grade: B-
FTNT
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+26.4%
Fair Value
$470.77
Current Price
$397.22
$73.55 discount
Margin of Safety
+37.4%
Fair Value
$275.55
Current Price
$174.26
$101.29 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 32 in profit
Strong operational efficiency at 46.9%
Keeps 23 of every $100 in revenue as profit
Growing faster than its price suggests
Revenue surging 21.5% year-over-year
Generating 1.4B in free cash flow
Every $100 of equity generates 137 in profit
Strong operational efficiency at 33.6%
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Revenue surging 25.6% year-over-year
Earnings expanding 43.9% YoY
Areas to Watch
Weak financial health signals
Earnings declined 7.0%
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Premium valuation, high expectations priced in
Trading at 82.6x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : CPAY
The strongest argument for CPAY centers on Return on Equity, Operating Margin, Profit Margin. Profitability is solid with margins at 22.7% and operating margin at 46.9%. Revenue growth of 21.5% demonstrates continued momentum.
Bull Case : FTNT
The strongest argument for FTNT centers on Return on Equity, Operating Margin, Market Cap. Profitability is solid with margins at 28.2% and operating margin at 33.6%. Revenue growth of 25.6% demonstrates continued momentum.
Bear Case : CPAY
The primary concerns for CPAY are Piotroski F-Score, EPS Growth, Altman Z-Score. Debt-to-equity of 3.00 is elevated, increasing financial risk.
Bear Case : FTNT
The primary concerns for FTNT are PEG Ratio, Altman Z-Score, P/E Ratio. A P/E of 56.1x leaves little room for execution misses.
Key Dynamics to Monitor
FTNT carries more volatility with a beta of 1.06 — expect wider price swings.
FTNT is growing revenue faster at 25.6% — sustainability is the question.
CPAY generates stronger free cash flow (1.4B), providing more financial flexibility.
Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FTNT scores higher overall (73/100 vs 70/100), backed by strong 28.2% margins and 25.6% revenue growth. CPAY offers better value entry with a 26.4% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Corpay Inc
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Corpay Inc. is a prominent player in the integrated payment solutions space, specializing in transforming corporate payables and receivables for diverse industries. With a focus on advanced technology and data analytics, Corpay not only boosts cash flow and operational efficiency but also empowers clients to prioritize their core business activities. The firm’s extensive range of financial services, combined with a steadfast dedication to customer satisfaction and regulatory adherence, positions it as an essential partner for businesses operating globally. As the fintech landscape undergoes rapid evolution, Corpay stands out as a compelling investment opportunity for institutional investors aiming to tap into growth within this dynamic sector.
Fortinet Inc
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Fortinet (Nasdaq: FTNT) is an American multinational corporation headquartered in Sunnyvale, California. It develops and sells cybersecurity solutions, including but not limited to physical products such as firewalls, plus software and services such as anti-virus protection, intrusion prevention systems and endpoint security components.
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