WallStSmart

Corpay Inc (CPAY)vsPalo Alto Networks Inc (PANW)

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Smart Verdict

WallStSmart Research — data-driven comparison

Palo Alto Networks Inc generates 129% more annual revenue ($11.48B vs $5.02B). CPAY leads profitability with a 22.7% profit margin vs 2.7%. CPAY appears more attractively valued with a PEG of 0.76. 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

PANW

Buy

51

out of 100

Grade: C-

Growth: 9.3Profit: 4.5Value: 4.7Quality: 4.8
Piotroski: 1/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CPAYUndervalued (+26.4%)

Margin of Safety

+26.4%

Fair Value

$470.77

Current Price

$397.22

$73.55 discount

UndervaluedFair: $470.77Overvalued
PANWUndervalued (+27.4%)

Margin of Safety

+27.4%

Fair Value

$500.75

Current Price

$371.76

$128.99 discount

UndervaluedFair: $500.75Overvalued

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

PANW5 strengths · Avg: 9.6/10
Market CapQuality
$270.47B10/10

Mega-cap, among the largest globally

Revenue GrowthGrowth
34.4%10/10

Revenue surging 34.4% year-over-year

EPS GrowthGrowth
60.5%10/10

Earnings expanding 60.5% YoY

Debt/EquityHealth
0.0910/10

Conservative balance sheet, low leverage

Free Cash FlowQuality
$1.27B8/10

Generating 1.3B in free cash flow

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

PANW4 concerns · Avg: 3.5/10
PEG RatioValuation
1.734/10

Expensive relative to growth rate

Price/BookValuation
11.0x4/10

Trading at 11.0x book value

Return on EquityProfitability
1.1%3/10

ROE of 1.1% — below average capital efficiency

Profit MarginProfitability
2.7%3/10

2.7% margin — thin

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 : PANW

The strongest argument for PANW centers on Market Cap, Revenue Growth, EPS Growth. Revenue growth of 34.4% 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 : PANW

The primary concerns for PANW are PEG Ratio, Price/Book, Return on Equity. A P/E of 295.2x leaves little room for execution misses. Thin 2.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

CPAY profiles as a growth stock while PANW is a hypergrowth play — different risk/reward profiles.

PANW carries more volatility with a beta of 0.91 — expect wider price swings.

PANW is growing revenue faster at 34.4% — 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 51/100), backed by strong 22.7% margins and 21.5% revenue growth. PANW offers better value entry with a 27.4% margin of safety. Both earn "Strong Buy" and "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.

Palo Alto Networks Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Palo Alto Networks, Inc. provides cybersecurity platform solutions globally. The company is headquartered in Santa Clara, California.

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