COMPARE · Reviewed August 3, 2026
CPAY vs FIS
Verdict: Side-by-side breakdown using the Bull Rankings model. CPAY scored 81.3, FIS scored 76.3 — CPAY leads.
Compare another set
CPAY
Corpay, Inc.
81.3
$385.78 · $25.2B
fundamentals as of
Score gap
5.0
CPAY leads
FIS
Fidelity National Information Services, Inc.
76.3
$44.78 · $23.1B
fundamentals as of
The model, pillar by pillar (0–100 each)
CPAY
stronger →← stronger
FIS
89
Qualityreturns · margins · balance sheet
67
95
Growthrevenue & earnings expansion
72
64
Valuevaluation vs sector peers
92
CPAY is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
CPAY
FIS
$1.3bC+
FCF
$2.7bB
+18.3%B+
Rev
+12.3%B+
2.71D
D/E
1.32C
23.1xB+
P/E
8.7xA
0.92B+
PEG
0.25A
Winner per row is the stronger grade in our model; a tie or a missing value shows no highlight.
Valuation · DCF cross-check
CPAY
FIS
9% below
Price vs fair valuelower is cheaper
57% below
~7%/yr
Growth the price implies10-yr FCF · lower = less priced in
~-13%/yr
-5%
1-yr DCF upside
+113%
+9%
5-yr DCF upside
+131%
+35%
10-yr DCF upside
+160%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
CPAY
Why this score
- Buying back stock
- Durable high returns
FIS
Why this score
- Raising its dividend
The companies
CPAYCorpay, Inc.
Why now
Software - Infrastructure · market cap $25.2b. Trading near 52-week high of $395.49 — momentum setup, limited technical margin of safety. Revenue growing +18%, comfortably above the S&P median. PEG 0.92 — paying under fair value for the growth rate. 14 sell-side analysts rate this a Buy with a mean 1-yr target of $396.21 (implying +3% 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. Trading within 2% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. 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.
FISFidelity National Information Services, Inc.
Why now
Information Technology Services · market cap $23.1b. Down 44% from 52-week high of $79.32 — deep drawdown territory. Revenue growing +12%, comfortably above the S&P median. PEG 0.25 — paying under fair value for the growth rate. 22 sell-side analysts rate this a Buy with a mean 1-yr target of $56.55 (implying +26% upside).
Moat
Net margin 23% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 17% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 101% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Down 44% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up.
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.