Corpay Inc (CPAY)vsMicrosoft Corporation (MSFT)
CPAY
Corpay Inc
$392.94
-1.34%
TECHNOLOGY · Cap: $24.98B
MSFT
Microsoft Corporation
$499.99
+0.03%
TECHNOLOGY · Cap: $3.66T
Smart Verdict
WallStSmart Research — data-driven comparison
Microsoft Corporation generates 6837% more annual revenue ($331.84B vs $4.78B). MSFT leads profitability with a 40.3% profit margin vs 24.6%. CPAY appears more attractively valued with a PEG of 0.94. CPAY earns a higher WallStSmart Score of 80/100 (B+).
CPAY
Strong Buy80
out of 100
Grade: B+
MSFT
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+23.5%
Fair Value
$453.15
Current Price
$392.94
$60.21 discount
Intrinsic value data unavailable for MSFT.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 34 in profit
Strong operational efficiency at 41.4%
Keeps 25 of every $100 in revenue as profit
Growing faster than its price suggests
Revenue surging 25.4% year-over-year
Earnings expanding 49.1% YoY
Mega-cap, among the largest globally
Every $100 of equity generates 30 in profit
Keeps 40 of every $100 in revenue as profit
Strong operational efficiency at 45.1%
Generating 15.8B in free cash flow
17.7% revenue growth
Areas to Watch
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Moderate valuation
Trading at 8.4x 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 24.6% and operating margin at 41.4%. Revenue growth of 25.4% demonstrates continued momentum.
Bull Case : MSFT
The strongest argument for MSFT centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 40.3% and operating margin at 45.1%. Revenue growth of 17.7% demonstrates continued momentum.
Bear Case : CPAY
The primary concerns for CPAY are Piotroski F-Score, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.95 is elevated, increasing financial risk.
Bear Case : MSFT
The primary concerns for MSFT are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
MSFT carries more volatility with a beta of 1.10 — expect wider price swings.
CPAY is growing revenue faster at 25.4% — sustainability is the question.
MSFT generates stronger free cash flow (15.8B), providing more financial flexibility.
Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CPAY scores higher overall (80/100 vs 72/100), backed by strong 24.6% margins and 25.4% revenue growth. 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.
Microsoft Corporation
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Microsoft Corporation is an American multinational technology company which produces computer software, consumer electronics, personal computers, and related services. Its best known software products are the Microsoft Windows line of operating systems, the Microsoft Office suite, and the Internet Explorer and Edge web browsers. Its flagship hardware products are the Xbox video game consoles and the Microsoft Surface lineup of touchscreen personal computers. Microsoft ranked No. 21 in the 2020 Fortune 500 rankings of the largest United States corporations by total revenue; it was the world's largest software maker by revenue as of 2016. It is considered one of the Big Five companies in the U.S. information technology industry, along with Google, Apple, Amazon, and Facebook.
Visit Website →Compare with Other SOFTWARE - INFRASTRUCTURE Stocks
Want to dig deeper into these stocks?