Corpay Inc (CPAY)vsSonos Inc (SONO)
CPAY
Corpay Inc
$347.17
-2.72%
TECHNOLOGY · Cap: $23.28B
SONO
Sonos Inc
$14.32
-7.20%
TECHNOLOGY · Cap: $1.83B
Smart Verdict
WallStSmart Research — data-driven comparison
Corpay Inc generates 228% more annual revenue ($4.78B vs $1.46B). CPAY leads profitability with a 24.6% profit margin vs 1.6%. CPAY trades at a lower P/E of 21.3x. CPAY earns a higher WallStSmart Score of 80/100 (B+).
CPAY
Strong Buy80
out of 100
Grade: B+
SONO
Hold45
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+7.6%
Fair Value
$375.30
Current Price
$347.17
$28.13 discount
Margin of Safety
-34.7%
Fair Value
$12.25
Current Price
$14.32
$2.07 premium
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
Earnings expanding 87.5% YoY
Conservative balance sheet, low leverage
Areas to Watch
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
ROE of 6.2% — below average capital efficiency
1.6% margin — thin
Weak financial health signals
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 : SONO
The strongest argument for SONO centers on EPS Growth, Debt/Equity.
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 : SONO
The primary concerns for SONO are Market Cap, Return on Equity, Profit Margin. A P/E of 90.3x leaves little room for execution misses. Thin 1.6% margins leave little buffer for downturns.
Key Dynamics to Monitor
CPAY profiles as a growth stock while SONO is a value play — different risk/reward profiles.
SONO carries more volatility with a beta of 1.94 — expect wider price swings.
CPAY is growing revenue faster at 25.4% — sustainability is the question.
SONO generates stronger free cash flow (-70M), providing more financial flexibility.
Bottom Line
CPAY scores higher overall (80/100 vs 45/100), backed by strong 24.6% margins and 25.4% 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 leading provider of integrated payment solutions that streamline corporate payables and receivables for businesses across various sectors. Leveraging cutting-edge technology and data analytics, Corpay enhances cash flow and operational efficiency, allowing clients to focus on core business functions. Its comprehensive suite of financial services, underscored by a strong commitment to customer satisfaction and regulatory compliance, establishes Corpay as a crucial partner for organizations operating in the global marketplace. Positioned to take advantage of the rapidly evolving financial technology landscape, Corpay represents a compelling investment opportunity for institutional investors seeking growth in the fintech sector.
Sonos Inc
TECHNOLOGY · CONSUMER ELECTRONICS · USA
Sonos, Inc. designs, develops, manufactures, and sells multi-room audio products in the Americas, Europe, the Middle East, Africa, and Asia Pacific. The company is headquartered in Santa Barbara, California.
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