Comprehensive Stock Comparison
Compare Corpay, Inc. (CPAY) vs Oracle Corporation (ORCL) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | ORCL | 8.4% revenue growth vs CPAY's 5.8% |
| Value | CPAY | Lower P/E (12.5x vs 19.7x), PEG 1.77 vs 2.78 |
| Quality / Margins | ORCL | 25.3% net margin vs CPAY's 24.4% |
| Stability / Safety | ORCL | Beta 1.40 vs CPAY's 1.46 |
| Dividends | ORCL | 1.1% yield; 18-year raise streak; CPAY pays no meaningful dividend |
| Momentum (1Y) | ORCL | -11.2% vs CPAY's -11.4% |
| Efficiency (ROA) | ORCL | 7.5% ROA vs CPAY's 5.3%, ROIC 12.8% vs 14.7% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Corpay is a global payments company that helps businesses manage vehicle-related expenses, corporate payments, and lodging costs. It generates revenue primarily through transaction fees from its vehicle payment solutions — fuel, tolls, and fleet maintenance — and corporate payment automation services, with its cross-border and virtual card products forming significant segments. The company's competitive advantage lies in its specialized vertical expertise in complex business payments and its established network of merchants and fuel providers across multiple countries.
Oracle is a global enterprise software and cloud computing company that provides database management systems, enterprise applications, and cloud infrastructure services. It generates revenue primarily through cloud services and license support (~70% of total revenue) and cloud license and on-premise license sales (~20%), with hardware and services making up the remainder. The company's key moat is its entrenched position in enterprise database software—particularly with its flagship Oracle Database—which creates significant switching costs and lock-in for large corporate customers.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
CPAY leads in 2 of 6 categories (Valuation Metrics, Profitability & Efficiency). ORCL leads in 1 (Total Returns). 2 tied.
Financial Metrics (TTM)
ORCL is the larger business by revenue, generating $61.0B annually — 14.1x CPAY's $4.3B. Profitability is closely matched — net margins range from 25.3% (ORCL) to 24.4% (CPAY).
| Metric | CPAYCorpay, Inc. | ORCLOracle Corporation |
|---|---|---|
| RevenueTrailing 12 months | $4.3B | $61.0B |
| EBITDAEarnings before interest/tax | $2.3B | $22.6B |
| Net IncomeAfter-tax profit | $1.1B | $15.4B |
| Free Cash FlowCash after capex | $1.1B | -$13.2B |
| Gross MarginGross profit ÷ Revenue | +76.1% | +70.7% |
| Operating MarginEBIT ÷ Revenue | +44.5% | +30.3% |
| Net MarginNet income ÷ Revenue | +24.4% | +25.3% |
| FCF MarginFCF ÷ Revenue | +26.5% | -21.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | +13.9% | +14.2% |
| EPS Growth (YoY)Latest quarter vs prior year | +0.3% | +90.9% |
Valuation Metrics
At 23.3x trailing earnings, CPAY trades at a 31% valuation discount to ORCL's 33.5x P/E. Adjusting for growth (PEG ratio), CPAY offers better value at 3.30x vs ORCL's 4.72x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | CPAYCorpay, Inc. | ORCLOracle Corporation |
|---|---|---|
| Market CapShares × price | $22.8B | $408.1B |
| Enterprise ValueMkt cap + debt − cash | $29.3B | $501.5B |
| Trailing P/EPrice ÷ TTM EPS | 23.27x | 33.50x |
| Forward P/EPrice ÷ next-FY EPS est. | 12.50x | 19.71x |
| PEG RatioP/E ÷ EPS growth rate | 3.30x | 4.72x |
| EV / EBITDAEnterprise value multiple | 13.68x | 21.02x |
| Price / SalesMarket cap ÷ Revenue | 5.74x | 7.11x |
| Price / BookPrice ÷ Book value/share | 7.42x | 19.87x |
| Price / FCFMarket cap ÷ FCF | 12.92x | — |
Profitability & Efficiency
ORCL delivers a 50.6% return on equity — every $100 of shareholder capital generates $51 in annual profit, vs $26 for CPAY. CPAY carries lower financial leverage with a 2.54x debt-to-equity ratio, signaling a more conservative balance sheet compared to ORCL's 4.96x. On the Piotroski fundamental quality scale (0–9), ORCL scores 6/9 vs CPAY's 4/9, reflecting solid financial health.
| Metric | CPAYCorpay, Inc. | ORCLOracle Corporation |
|---|---|---|
| ROE (TTM)Return on equity | +25.5% | +50.6% |
| ROA (TTM)Return on assets | +5.3% | +7.5% |
| ROICReturn on invested capital | +14.7% | +12.8% |
| ROCEReturn on capital employed | +20.0% | +14.4% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 6 |
| Debt / EquityFinancial leverage | 2.54x | 4.96x |
| Net DebtTotal debt minus cash | $6.4B | $93.3B |
| Cash & Equiv.Liquid assets | $1.6B | $10.8B |
| Total DebtShort + long-term debt | $8.0B | $104.1B |
| Interest CoverageEBIT ÷ Interest expense | 4.97x | 3.24x |
Total Returns (with DRIP)
A $10,000 investment in ORCL five years ago would be worth $23,146 today (with dividends reinvested), compared to $11,508 for CPAY. Over the past 12 months, ORCL leads with a -11.2% total return vs CPAY's -11.4%. The 3-year compound annual growth rate (CAGR) favors ORCL at 19.9% vs CPAY's 14.8% — a key indicator of consistent wealth creation.
| Metric | CPAYCorpay, Inc. | ORCLOracle Corporation |
|---|---|---|
| YTD ReturnYear-to-date | +8.2% | -25.5% |
| 1-Year ReturnPast 12 months | -11.4% | -11.2% |
| 3-Year ReturnCumulative with dividends | +51.4% | +72.3% |
| 5-Year ReturnCumulative with dividends | +15.1% | +131.5% |
| 10-Year ReturnCumulative with dividends | +154.6% | +327.4% |
| CAGR (3Y)Annualised 3-year return | +14.8% | +19.9% |
Risk & Volatility
ORCL is the less volatile stock with a 1.40 beta — it tends to amplify market swings less than CPAY's 1.46 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CPAY currently trades 86.6% from its 52-week high vs ORCL's 42.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CPAYCorpay, Inc. | ORCLOracle Corporation |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.46x | 1.40x |
| 52-Week HighHighest price in past year | $375.61 | $345.72 |
| 52-Week LowLowest price in past year | $252.84 | $118.86 |
| % of 52W HighCurrent price vs 52-week peak | +86.6% | +42.1% |
| RSI (14)Momentum oscillator 0–100 | 50.9 | 41.2 |
| Avg Volume (50D)Average daily shares traded | 512K | 20.9M |
Analyst Outlook
Wall Street rates CPAY as "Buy" and ORCL as "Buy". Consensus price targets imply 103.5% upside for ORCL (target: $296) vs 11.4% for CPAY (target: $362). ORCL is the only dividend payer here at 1.14% yield — a key consideration for income-focused portfolios.
| Metric | CPAYCorpay, Inc. | ORCLOracle Corporation |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $362.29 | $295.85 |
| # AnalystsCovering analysts | 18 | 86 |
| Dividend YieldAnnual dividend ÷ price | — | +1.1% |
| Dividend StreakConsecutive years of raises | — | 18 |
| Dividend / ShareAnnual DPS | — | $1.65 |
| Buyback YieldShare repurchases ÷ mkt cap | +5.6% | +0.4% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Corpay, Inc. (CPAY) | 100 | 114.44 | +14.4% |
| Oracle Corporation (ORCL) | 100 | 328.6 | +228.6% |
Oracle Corporation (ORCL) returned +131% over 5 years vs Corpay, Inc. (CPAY)'s +15%. A $10,000 investment in ORCL 5 years ago would be worth $23,146 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Corpay, Inc. (CPAY) | $1.8B | $4.0B | +117.0% |
| Oracle Corporation (ORCL) | $37.0B | $57.4B | +54.9% |
Oracle Corporation's revenue grew from $37.0B (2016) to $57.4B (2025) — a 5.0% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Corpay, Inc. (CPAY) | 24.7% | 25.3% | +2.2% |
| Oracle Corporation (ORCL) | 24.0% | 21.7% | -9.8% |
Oracle Corporation's net margin went from 24% (2016) to 22% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Corpay, Inc. (CPAY) | 24.3 | 24.2 | -0.4% |
| Oracle Corporation (ORCL) | 21.4 | 44.9 | +109.8% |
Corpay, Inc. has traded in a 15x–34x P/E range over 8 years; current trailing P/E is ~23x. Oracle Corporation has traded in a 18x–53x P/E range over 9 years; current trailing P/E is ~34x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Corpay, Inc. (CPAY) | 4.75 | 13.97 | +194.1% |
| Oracle Corporation (ORCL) | 2.07 | 4.34 | +109.7% |
Oracle Corporation's EPS grew from $2.07 (2016) to $4.34 (2025) — a 9% CAGR.
Chart 6Free Cash Flow — 5 Years
Corpay, Inc. generated $2B FCF in 2024 (+63% vs 2021). Oracle Corporation generated $-394M FCF in 2025 (-103% vs 2021).
CPAY vs ORCL: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is CPAY or ORCL a better buy right now?
Corpay, Inc. (CPAY) offers the better valuation at 23.3x trailing P/E (12.5x 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.
02Which has the better valuation — CPAY or ORCL?
On trailing P/E, Corpay, Inc. (CPAY) is the cheapest at 23.3x versus Oracle Corporation at 33.5x. On forward P/E, Corpay, Inc. is actually cheaper at 12.5x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Corpay, Inc. wins at 1.77x versus Oracle Corporation's 2.78x — a reasonable growth-adjusted valuation.
03Which is the better long-term investment — CPAY or ORCL?
Over the past 5 years, Oracle Corporation (ORCL) delivered a total return of +131.5%, compared to +15.1% for Corpay, Inc. (CPAY). A $10,000 investment in ORCL five years ago would be worth approximately $23K today (assuming dividends reinvested). Over 10 years, the gap is even starker: ORCL returned +327.4% versus CPAY's +154.6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CPAY or ORCL?
By beta (market sensitivity over 5 years), Oracle Corporation (ORCL) is the lower-risk stock at 1.40β versus Corpay, Inc.'s 1.46β — meaning CPAY is approximately 4% more volatile than ORCL relative to the S&P 500. On balance sheet safety, Corpay, Inc. (CPAY) carries a lower debt/equity ratio of 3% versus 5% for Oracle Corporation — giving it more financial flexibility in a downturn.
05Which has better profit margins — CPAY or ORCL?
Corpay, Inc. (CPAY) is the more profitable company, earning 25.3% net margin versus 21.7% for Oracle 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 30.8% for ORCL. 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.
06Is CPAY or ORCL more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential. By this metric, Corpay, Inc. (CPAY) is the more undervalued stock at a PEG of 1.77x versus Oracle Corporation's 2.78x. Both stocks trade at elevated growth-adjusted valuations, so expected growth needs to materialise. On forward earnings alone, Corpay, Inc. (CPAY) trades at 12.5x forward P/E versus 19.7x for Oracle Corporation — 7.2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ORCL: 103.5% to $295.85.
07Which pays a better dividend — CPAY or ORCL?
In this comparison, ORCL (1.1% yield) pays a dividend. CPAY does not pay a meaningful dividend and should not be held primarily for income.
08Is CPAY or ORCL better for a retirement portfolio?
For long-horizon retirement investors, Oracle Corporation (ORCL) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (1.1% yield, +327.4% 10Y return). Both have compounded well over 10 years (ORCL: +327.4%, CPAY: +154.6%), 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.
09What are the main differences between CPAY and ORCL?
Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. ORCL pays a dividend while CPAY does not, making them suitable for different income and tax situations. 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.
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