COMPARE · Reviewed July 11, 2026
ADBE vs CPAY
Verdict: Side-by-side breakdown using the Bull Rankings model. ADBE scored 89.6, CPAY scored 85.9 — ADBE leads.
Compare another set
ADBE
Adobe Inc.
89.6
$223.64 · $88.9B
Score gap
3.7
ADBE leads
CPAY
Corpay, Inc.
85.9
$353.64 · $23.1B
The model, pillar by pillar (0–100 each)
ADBE
stronger →← stronger
CPAY
92
Qualityreturns · margins · balance sheet
89
87
Growthrevenue & earnings expansion
95
90
Valuevaluation vs sector peers
76
ADBE is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
ADBE
CPAY
$10.3bA-
FCF
$1.3bC+
+11.5%B
Rev
+18.3%B+
0.61C+
D/E
2.71D
12.8xA
P/E
21.0xB+
0.60A-
PEG
0.83B+
Winner per row is the stronger grade in our model; a tie or a missing value shows no highlight.
Valuation · DCF cross-check
ADBE
CPAY
36% below
Price vs fair valuelower is cheaper
15% below
~-3%/yr
Growth the price implies10-yr FCF · lower = less priced in
~5%/yr
+39%
1-yr DCF upside
+2%
+57%
5-yr DCF upside
+18%
+85%
10-yr DCF upside
+46%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
ADBE
Why this score
- Buying back stock
- Durable high returns
CPAY
Why this score
- Buying back stock
- Durable high returns
The companies
ADBEAdobe Inc.
Why now
Software - Application · market cap $88.9b. Down 41% from 52-week high of $376.16 — deep drawdown territory. Revenue growing +11%, comfortably above the S&P median. PEG 0.60 — paying under fair value for the growth rate. 33 sell-side analysts rate this a Hold with a mean 1-yr target of $272.48 (implying +22% upside).
Moat
Net margin 29% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 63% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. FCF converts 142% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Down 41% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Beta 1.43 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return. Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
CPAYCorpay, Inc.
Why now
Software - Infrastructure · market cap $23.1b. 4% off the 52-week high of $367.43. Revenue growing +18%, comfortably above the S&P median. PEG 0.83 — paying under fair value for the growth rate. 14 sell-side analysts rate this a Buy with a mean 1-yr target of $395.14 (implying +12% upside).
Moat
Net margin 25% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 34% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. FCF converts 111% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
D/E 2.71 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.