How comparing works here

How do I compare two companies?

Type the tickers into the box above — up to five at once. Every row is read from the companies' own annual filings, so a comparison shows the same measure computed the same way for each of them rather than whatever each company chose to highlight.

Can I compare an ETF with a stock?

Yes, and the table changes to suit. Two funds are compared on cost, income, spread and record, because revenue growth and debt mean nothing for a fund. A fund against a company shows only what both of them have.

Side by side

Compare

Put up to 4 companies, funds, commodities or coins next to each other — health, valuation, growth and performance.

Every row is computed the same way for every column, from each company's own annual filing, so a comparison is not a collection of whichever figures each of them chose to put in a press release. Funds are compared on what a fund is actually judged on: cost, income, spread and record.

Relative performance

Rebased so every symbol starts at 0%

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Side by side

Latest annual figures from each company's filings

MetricCPAYCORPAY, INC.VVISA INC.MAMastercard IncPYPLPayPal Holdings, Inc.Median of the restexcluding CPAY
TypeCompanyCompanyCompanyCompany
Price
$415.01▲ 7.45 (1.83%)
$414.34▲ 6.49 (1.59%)
$620.42▲ 4.02 (0.65%)
$57.53▲ 0.33 (0.59%)
Health scoreComposite of profitability, growth, debt and accounting quality.6.0/108.7/1010.0/108.7/108.7/10
Market value$28.37B$773.59B$561.48B$52.93B
Revenue$4.53B$40.00B$32.79B$33.17B
Profit$1.07B$20.06B$14.97B$5.23B
Revenue growthChange in sales versus the prior year.13.9%11.3%16.4%4.3%11.3%
Gross marginShare of sales left after the direct cost of producing them.—————
Operating marginShare of sales left after running the business, before interest and tax.44.0%60.0%57.6%18.3%57.6%
Profit marginProfit kept from each dollar of sales.23.6%50.1%45.6%15.8%45.6%
Free cash flow marginCash left after capital spending, as a share of sales.28.7%53.9%52.3%16.8%52.3%
Return on equityProfit against the owners' stake in the company.27.5%52.9%193.5%25.8%52.9%
Return on invested capital (approx.)Operating profit after tax against equity plus debt, less cash. Cash here excludes short-term investments, so this runs low for cash-rich companies.9.3%43.3%94.2%21.6%43.3%
P/E ratioPrice paid per dollar of annual profit.26.52x38.57x37.51x10.12x37.51x
EV / EBITDA (approx.)Market value plus debt less cash, against operating profit before depreciation. Cash excludes short-term investments, so this runs high for cash-rich companies.18.50x—28.44x7.81x18.12x
Price to book7.30x20.41x72.57x2.61x20.41x
Debt to equityTotal liabilities compared with owners' stake.5.80x1.63x6.00x2.96x2.96x
Piotroski F-ScoreNine checks of financial strength. Higher is stronger.6/86/78/88/88.0
Bankruptcy riskAltman Z-Score zone.greysafesafesafe

How CPAY compares with the others

  • CPAY's operating margin of 44.0% is lower than the median of the other companies selected (57.6%).
  • Its revenue grew faster than the median of the other companies selected: 13.9% against 11.3%.
  • It trades at a lower P/E than the median of the other companies selected: 26.5x against 37.5x.
  • Its liabilities are higher relative to equity than the median of the other companies selected: 5.8x against 3.0x.

Measured against the other companies entered, from each one's latest annual filing. A difference describes the companies; it does not rank them.