CPAY vs FLYW

For growth investors, Flywire Corporation (FLYW) is the stronger pick with 26.

6% revenue growth year-over-year, versus 5. 8% for Corpay, Inc. (CPAY). Corpay, Inc. (CPAY) offers the better valuation at 21. 9x trailing P/E (11. 7x forward), making it the more compelling value choice. Analysts rate Corpay, Inc. (CPAY) a "Buy" — based on 18 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Corpay, Inc.

(CPAY) is the cheapest at 21. 9x versus Flywire Corporation at 159. 2x. On forward P/E, Corpay, Inc. is actually cheaper at 11. 7x.

Over the past 5 years, Corpay, Inc.

(CPAY) delivered a total return of +6. 6%, compared to -50. 1% for Flywire Corporation (FLYW). Over 10 years, the gap is even starker: CPAY returned +103. 4% versus FLYW's -49. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Flywire Corporation (FLYW) is the lower-risk stock at 1.

32β versus Corpay, Inc. 's 1. 32β — meaning CPAY is approximately 0% more volatile than FLYW relative to the S&P 500.

By revenue growth (latest reported year), Flywire Corporation (FLYW) is pulling ahead at 26.

6% versus 5. 8% for Corpay, Inc. (CPAY). On earnings-per-share growth, the picture is similar: Flywire Corporation grew EPS 391. 1% year-over-year, compared to 5. 8% for Corpay, Inc.. Over a 3-year CAGR, FLYW leads at 29. 1% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Corpay, Inc.

(CPAY) is the more profitable company, earning 25. 3% net margin versus 2. 2% for Flywire Corporation — meaning it keeps 25. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CPAY leads at 45. 0% versus 1. 8% for FLYW. At the gross margin level — before operating expenses — CPAY leads at 78. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

On forward earnings alone, Corpay, Inc.

(CPAY) trades at 11. 7x forward P/E versus 49. 5x for Flywire Corporation — 37. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for CPAY: 18. 6% to $362. 13.

None of the stocks in this comparison currently pay a material dividend.

All are effectively zero-yield and should be held for capital appreciation rather than income.

For long-horizon retirement investors, Corpay, Inc.

(CPAY) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (+103. 4% 10Y return). Both have compounded well over 10 years (CPAY: +103. 4%, FLYW: -49. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: CPAY is a mid-cap quality compounder stock; FLYW is a small-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.