Corpay (CPAY) vs Fair Isaac (FICO)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Corpay (CPAY) has outperformed Fair Isaac (FICO) over the past year, gaining 36.8% versus a loss of 60.9%. Over five years, FICO leads with a +62.9% price change compared with +46.2% for CPAY. Corpay is the larger company by market cap ($26.13 billion vs $14.42 billion), about 1.8 times the size, while Fair Isaac is growing revenue faster (+15.9% vs +13.9%).
On valuation, Corpay trades at a lower forward P/E (12.6x vs 13.3x for Fair Isaac). Fair Isaac converts more of its revenue into profit, with a net margin of 32.7% versus 23.6%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CPAY | FICO |
|---|---|---|
| Share price | $397.92 | $667.58 |
| Market cap | $26.13B | $14.42B |
| 1-day change | -1.03% | -5.63% |
| YTD return | +32.23% | -60.51% |
| 1-year return | +36.81% | -60.93% |
| 5-year return | +46.15% | +62.90% |
| P/E ratio (TTM) | 24.19 | 19.33 |
| Forward P/E | 12.63 | 13.30 |
| EPS (TTM) | $16.45 | $34.54 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $4.53B | $1.99B |
| Revenue growth (YoY) | +13.93% | +15.91% |
| Net income (latest FY) | $1.07B | $651.95M |
| Gross margin | — | 82.23% |
| Operating margin | 44.04% | 46.45% |
| Net margin | 23.62% | 32.75% |
| 52-week high | $427.46 | $1,858.91 |
| 52-week low | $252.84 | $586.05 |
| Distance from 52-week high | -6.91% | -64.09% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +15.85% | +67.42% |
| Average volume | 503.63K | 588.33K |
| Shares outstanding | 65.66M | 21.60M |
| Employees | 11,800 | 3,876 |
| Sector | Consumer Discretionary | Consumer Discretionary |
| Industry | Business Services | Business Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- CPAY has outperformed FICO by 97.7 percentage points over the past year.
- Corpay trades at a higher earnings multiple (24.2x vs 19.3x trailing P/E).
- Fair Isaac is more profitable, keeping 32.7 cents of every revenue dollar as net income versus 23.6 cents for Corpay.
About Corpay
CPAY stock →Corpay, Inc. operates as a payments company that helps businesses and consumers to manage and pay their expenses.
Consumer Discretionary · Business Services · 11,800 employees
About Fair Isaac
FICO stock →Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software.
Consumer Discretionary · Business Services · 3,876 employees
CPAY vs FICO FAQ
Which is bigger, Corpay or Fair Isaac?
Corpay (CPAY) is larger, with a market capitalization of $26.13B compared with $14.42B for Fair Isaac (FICO).
Which stock has performed better over the past year, CPAY or FICO?
CPAY returned +36.81% over the past 12 months, compared with -60.93% for FICO (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CPAY or FICO?
FICO has the lower trailing P/E at 19.3, versus 24.2 for CPAY. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Corpay and Fair Isaac in the same industry?
Yes. Both are classified in the Business Services industry within the Consumer Discretionary sector.