Verdict: Side-by-side breakdown using the Bull Rankings model. CPAY scored 78.2, FISV scored 54.6 — CPAY leads.
Compare another set
CPAY
Corpay, Inc.
Software - Infrastructure · Quality-Growth
78.2
$397.92 · $26.1B
fundamentals as of
Score gap
23.6
CPAY leads
FISV
Fiserv, Inc.
Payments & Fintech Software · Quality-Growth
54.6
$45.63 · $24.3B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
CheapestFISV8.8x
Fastest growthCPAY+13.9%
Highest qualityCPAY88 / 100
Largest discount to fair valueFISV-58%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
The model, pillar by pillar (0–100 each)
CPAY
stronger →← stronger
FISV
88
Qualityreturns · margins · balance sheet
74
87
Growthrevenue & earnings expansion
39
62
Valuevaluation vs sector peers
56
CPAY is stronger on 3 of 3 pillars.
Fundamentals, head-to-head
CPAY
FISV
$1.6bC+
FCF
$3.9bB
+13.9%B+
Rev
+3.6%C+
2.75D
D/E
—
24.2xB+
P/E
8.8xA
0.77A-
PEG
—
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
CPAY
FISV
21% below
Price vs fair valuelower is cheaper
58% below
~3%/yr
Growth the price impliesyr-1 FCF growth, fading to 4% · lower = less priced in
~-17%/yr
+11%
1-yr DCF upside
+139%
+27%
5-yr DCF upside
+139%
+53%
10-yr DCF upside
+138%
These two disagree on this pair: the Value pillar ranks cheapness against sector peers, while price-vs-fair-value is an absolute read. A name can be the better value in its sector and still the dearer one on cash flows.
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
FISV
Why this score
Buying back stock
The companies
CPAYCorpay, Inc.
Software - Infrastructure · $397.92 · beta 0.89
Why now
Software - Infrastructure · market cap $26.1b. 7% off the 52-week high of $427.46. Revenue growing +14%, comfortably above the S&P median. PEG 0.77 — paying under fair value for the growth rate. 15 sell-side analysts rate this a Buy with a mean 1-yr target of $461.00 (implying +16% 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 29% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. FCF converts 145% of net income — earnings translate cleanly into cash.
Risk
D/E 2.75 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.
FISVFiserv, Inc.
Payments & Fintech Software · $45.63
Why now
Sector n/a · market cap $24.3b. Down 65% from 52-week high of $128.78 — deep drawdown territory. 25 sell-side analysts rate this a Hold with a mean 1-yr target of $59.04 (implying +29% upside).
Moat
Net margin 13% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 10% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. FCF converts 140% of net income — earnings translate cleanly into cash.
Risk
Down 65% 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.
Where CPAY and FISV diverge
On the headline score the gap is 23.6 points in favor of CPAY. The widest single difference is Growth, where CPAY leads by 48.2 points.
GrowthCPAY 87.3 · FISV 39.1CPAY +48.2
QualityCPAY 87.9 · FISV 73.8CPAY +14.1
ValueCPAY 62.4 · FISV 56.2CPAY +6.2
Pillars run 0–100. Value is judged against each company's own sector, so a Value score is a statement about a company relative to its own industry rather than to the other name here. A wide Value gap usually means the market already prices the difference in quality or growth — which is the trade-off this comparison comes down to.
Common questions
Is CPAY or FISV the better stock?
CPAY scores higher: CPAY 78.2, FISV 54.6 out of 100 on the Bull Rankings quality-growth score, which blends business quality, growth and valuation into one number. A higher score means a stronger business at a more reasonable price — it is not a price target or a recommendation.
Where do CPAY and FISV differ most?
The widest gap is growth, where CPAY leads by 48 points on the 0–100 pillar scale. CPAY leads all three pillars, so the gap is broad rather than a single-measure difference.
How are CPAY and FISV scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.