Comprehensive Stock Comparison
Compare Priority Technology Holdings, Inc. (PRTH) vs Corpay, Inc. (CPAY) 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 | PRTH | 16.4% revenue growth vs CPAY's 5.8% |
| Value | PRTH | Lower P/E (5.0x vs 12.5x) |
| Quality / Margins | CPAY | 24.4% net margin vs PRTH's 5.9% |
| Stability / Safety | CPAY | Beta 1.46 vs PRTH's 1.72 |
| Dividends | PRTH | 12.6% yield; 3-year raise streak; CPAY pays no meaningful dividend |
| Momentum (1Y) | CPAY | -11.4% vs PRTH's -48.3% |
| Efficiency (ROA) | CPAY | 5.3% ROA vs PRTH's 2.5%, ROIC 14.7% vs 14.1% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Priority Technology Holdings is a payment technology company that provides integrated payment processing and accounts payable automation solutions across multiple business segments. It generates revenue primarily from transaction fees across its three main segments: SMB Payments, Business-to-Business Payments, and Enterprise Payments — with the SMB segment typically being the largest contributor. The company's competitive advantage lies in its integrated platform approach that combines payment processing with adjacent business applications — creating stickier customer relationships through value-added services beyond basic transaction processing.
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.
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 4 of 6 categories (Financial Metrics, Profitability & Efficiency). PRTH leads in 1 (Valuation Metrics).
Financial Metrics (TTM)
CPAY is the larger business by revenue, generating $4.3B annually — 4.6x PRTH's $933M. CPAY is the more profitable business, keeping 24.4% of every revenue dollar as net income compared to PRTH's 5.9%. On growth, CPAY holds the edge at +13.9% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | PRTHPriority Technolo… | CPAYCorpay, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $933M | $4.3B |
| EBITDAEarnings before interest/tax | $199M | $2.3B |
| Net IncomeAfter-tax profit | $55M | $1.1B |
| Free Cash FlowCash after capex | $63M | $1.1B |
| Gross MarginGross profit ÷ Revenue | +34.0% | +76.1% |
| Operating MarginEBIT ÷ Revenue | +15.2% | +44.5% |
| Net MarginNet income ÷ Revenue | +5.9% | +24.4% |
| FCF MarginFCF ÷ Revenue | +6.8% | +26.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | +6.3% | +13.9% |
| EPS Growth (YoY)Latest quarter vs prior year | +4.0% | +0.3% |
Valuation Metrics
On an enterprise value basis, PRTH's 6.9x EV/EBITDA is more attractive than CPAY's 13.7x.
| Metric | PRTHPriority Technolo… | CPAYCorpay, Inc. |
|---|---|---|
| Market CapShares × price | $454M | $22.8B |
| Enterprise ValueMkt cap + debt − cash | $1.3B | $29.3B |
| Trailing P/EPrice ÷ TTM EPS | -17.90x | 23.27x |
| Forward P/EPrice ÷ next-FY EPS est. | 5.02x | 12.50x |
| PEG RatioP/E ÷ EPS growth rate | — | 3.30x |
| EV / EBITDAEnterprise value multiple | 6.93x | 13.68x |
| Price / SalesMarket cap ÷ Revenue | 0.52x | 5.74x |
| Price / BookPrice ÷ Book value/share | — | 7.42x |
| Price / FCFMarket cap ÷ FCF | 7.10x | 12.92x |
Profitability & Efficiency
On the Piotroski fundamental quality scale (0–9), PRTH scores 8/9 vs CPAY's 4/9, reflecting strong financial health.
| Metric | PRTHPriority Technolo… | CPAYCorpay, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | — | +25.5% |
| ROA (TTM)Return on assets | +2.5% | +5.3% |
| ROICReturn on invested capital | +14.1% | +14.7% |
| ROCEReturn on capital employed | +17.3% | +20.0% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 4 |
| Debt / EquityFinancial leverage | — | 2.54x |
| Net DebtTotal debt minus cash | $872M | $6.4B |
| Cash & Equiv.Liquid assets | $59M | $1.6B |
| Total DebtShort + long-term debt | $930M | $8.0B |
| Interest CoverageEBIT ÷ Interest expense | 1.46x | 4.97x |
Total Returns (with DRIP)
A $10,000 investment in CPAY five years ago would be worth $11,508 today (with dividends reinvested), compared to $6,112 for PRTH. Over the past 12 months, CPAY leads with a -11.4% total return vs PRTH's -48.3%. The 3-year compound annual growth rate (CAGR) favors CPAY at 14.8% vs PRTH's 12.3% — a key indicator of consistent wealth creation.
| Metric | PRTHPriority Technolo… | CPAYCorpay, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +4.3% | +8.2% |
| 1-Year ReturnPast 12 months | -48.3% | -11.4% |
| 3-Year ReturnCumulative with dividends | +41.6% | +51.4% |
| 5-Year ReturnCumulative with dividends | -38.9% | +15.1% |
| 10-Year ReturnCumulative with dividends | -43.4% | +154.6% |
| CAGR (3Y)Annualised 3-year return | +12.3% | +14.8% |
Risk & Volatility
CPAY is the less volatile stock with a 1.46 beta — it tends to amplify market swings less than PRTH's 1.72 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 PRTH's 50.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PRTHPriority Technolo… | CPAYCorpay, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.72x | 1.46x |
| 52-Week HighHighest price in past year | $10.92 | $375.61 |
| 52-Week LowLowest price in past year | $4.44 | $252.84 |
| % of 52W HighCurrent price vs 52-week peak | +50.8% | +86.6% |
| RSI (14)Momentum oscillator 0–100 | 48.0 | 50.9 |
| Avg Volume (50D)Average daily shares traded | 287K | 512K |
Analyst Outlook
Wall Street rates PRTH as "Buy" and CPAY as "Buy". Consensus price targets imply 98.2% upside for PRTH (target: $11) vs 11.4% for CPAY (target: $362). PRTH is the only dividend payer here at 12.60% yield — a key consideration for income-focused portfolios.
| Metric | PRTHPriority Technolo… | CPAYCorpay, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $11.00 | $362.29 |
| # AnalystsCovering analysts | 3 | 18 |
| Dividend YieldAnnual dividend ÷ price | +12.6% | — |
| Dividend StreakConsecutive years of raises | 3 | — |
| Dividend / ShareAnnual DPS | $0.70 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +0.3% | +5.6% |
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 |
|---|---|---|---|
| Priority Technology… (PRTH) | 100 | 249.68 | +149.7% |
| Corpay, Inc. (CPAY) | 100 | 114.44 | +14.4% |
Corpay, Inc. (CPAY) returned +15% over 5 years vs Priority Technology… (PRTH)'s -39%. A $10,000 investment in CPAY 5 years ago would be worth $11,508 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Priority Technology… (PRTH) | $286M | $880M | +207.3% |
| Corpay, Inc. (CPAY) | $1.7B | $4.0B | +133.4% |
Priority Technology Holdings, Inc.'s revenue grew from $286M (2015) to $880M (2024) — a 13.3% CAGR. Corpay, Inc.'s revenue grew from $1.7B (2015) to $4.0B (2024) — a 9.9% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Priority Technology… (PRTH) | -0.0% | 2.7% | +75930.6% |
| Corpay, Inc. (CPAY) | 21.3% | 25.3% | +18.7% |
Priority Technology Holdings, Inc.'s net margin went from -0% (2015) to 3% (2024). Corpay, Inc.'s net margin went from 21% (2015) to 25% (2024).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| Corpay, Inc. (CPAY) | 24.3 | 24.2 | -0.4% |
Corpay, Inc. has traded in a 15x–34x P/E range over 8 years; current trailing P/E is ~23x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Priority Technology… (PRTH) | -0 | -0.31 | -20566.7% |
| Corpay, Inc. (CPAY) | 3.85 | 13.97 | +262.9% |
Priority Technology Holdings, Inc.'s EPS grew from $-0.00 (2015) to $-0.31 (2024). Corpay, Inc.'s EPS grew from $3.85 (2015) to $13.97 (2024) — a 15% CAGR.
Chart 6Free Cash Flow — 5 Years
Priority Technology Holdings, Inc. generated $64M FCF in 2024 (+18789% vs 2021). Corpay, Inc. generated $2B FCF in 2024 (+63% vs 2021).
PRTH vs CPAY: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is PRTH or CPAY 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 Priority Technology Holdings, Inc. (PRTH) a "Buy" — based on 3 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 — PRTH or CPAY?
On forward P/E, Priority Technology Holdings, Inc. is actually cheaper at 5.0x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — PRTH or CPAY?
Over the past 5 years, Corpay, Inc. (CPAY) delivered a total return of +15.1%, compared to -38.9% for Priority Technology Holdings, Inc. (PRTH). A $10,000 investment in CPAY five years ago would be worth approximately $12K today (assuming dividends reinvested). Over 10 years, the gap is even starker: CPAY returned +154.6% versus PRTH's -43.4%. 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 — PRTH or CPAY?
By beta (market sensitivity over 5 years), Corpay, Inc. (CPAY) is the lower-risk stock at 1.46β versus Priority Technology Holdings, Inc.'s 1.72β — meaning PRTH is approximately 18% more volatile than CPAY relative to the S&P 500.
05Which has better profit margins — PRTH or CPAY?
Corpay, Inc. (CPAY) is the more profitable company, earning 25.3% net margin versus 2.7% for Priority Technology Holdings, Inc. — 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 15.2% for PRTH. 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 PRTH or CPAY more undervalued right now?
On forward earnings alone, Priority Technology Holdings, Inc. (PRTH) trades at 5.0x forward P/E versus 12.5x for Corpay, Inc. — 7.5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PRTH: 98.2% to $11.00.
07Which pays a better dividend — PRTH or CPAY?
In this comparison, PRTH (12.6% yield) pays a dividend. CPAY does not pay a meaningful dividend and should not be held primarily for income.
08Is PRTH or CPAY better for a retirement portfolio?
For long-horizon retirement investors, Priority Technology Holdings, Inc. (PRTH) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (12.6% yield). Both have compounded well over 10 years (PRTH: -43.4%, 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 PRTH and CPAY?
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: PRTH is a small-cap income-oriented stock; CPAY is a mid-cap quality compounder stock. PRTH 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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