WallStSmart

Corpay Inc (CPAY)vsGoPro Inc (GPRO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Corpay Inc generates 783% more annual revenue ($5.02B vs $568.59M). CPAY leads profitability with a 22.7% profit margin vs -28.5%. GPRO appears more attractively valued with a PEG of 0.73. CPAY earns a higher WallStSmart Score of 70/100 (B-).

CPAY

Strong Buy

70

out of 100

Grade: B-

Growth: 5.3Profit: 8.5Value: 7.3Quality: 3.0
Piotroski: 2/9Altman Z: 1.06

GPRO

Hold

37

out of 100

Grade: F

Growth: 2.0Profit: 2.0Value: 6.0Quality: 4.5
Piotroski: 3/9Altman Z: -1.59
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CPAYUndervalued (+26.4%)

Margin of Safety

+26.4%

Fair Value

$470.77

Current Price

$395.16

$75.61 discount

UndervaluedFair: $470.77Overvalued

Intrinsic value data unavailable for GPRO.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CPAY6 strengths · Avg: 8.8/10
Return on EquityProfitability
32.2%10/10

Every $100 of equity generates 32 in profit

Operating MarginProfitability
46.9%10/10

Strong operational efficiency at 46.9%

Profit MarginProfitability
22.7%9/10

Keeps 23 of every $100 in revenue as profit

PEG RatioValuation
0.768/10

Growing faster than its price suggests

Revenue GrowthGrowth
21.5%8/10

Revenue surging 21.5% year-over-year

Free Cash FlowQuality
$1.42B8/10

Generating 1.4B in free cash flow

GPRO2 strengths · Avg: 9.0/10
Debt/EquityHealth
-2.6310/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.738/10

Growing faster than its price suggests

Areas to Watch

CPAY4 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-7.0%2/10

Earnings declined 7.0%

Altman Z-ScoreHealth
1.062/10

Distress zone — elevated risk

Debt/EquityHealth
3.001/10

Elevated debt levels

GPRO4 concerns · Avg: 2.5/10
Market CapQuality
$278.58M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-236.1%2/10

ROE of -236.1% — below average capital efficiency

Revenue GrowthGrowth
-31.3%2/10

Revenue declined 31.3%

Comparative Analysis Report

WallStSmart Research

Bull 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 : GPRO

The strongest argument for GPRO centers on Debt/Equity, PEG Ratio. PEG of 0.73 suggests the stock is reasonably priced for its growth.

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 : GPRO

The primary concerns for GPRO are Market Cap, Piotroski F-Score, Return on Equity.

Key Dynamics to Monitor

CPAY profiles as a growth stock while GPRO is a turnaround play — different risk/reward profiles.

GPRO carries more volatility with a beta of 2.45 — expect wider price swings.

CPAY is growing revenue faster at 21.5% — sustainability is the question.

CPAY generates stronger free cash flow (1.4B), providing more financial flexibility.

Bottom Line

CPAY scores higher overall (70/100 vs 37/100), backed by strong 22.7% margins and 21.5% revenue growth. Both earn "Strong Buy" and "Hold" 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.

GoPro Inc

TECHNOLOGY · CONSUMER ELECTRONICS · USA

GoPro, Inc. develops and sells mountable and portable cameras, drones, and accessories in the United States and internationally. The company is headquartered in San Mateo, California.

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