Corpay vs Western Union
CPAY and WU side by side, both in miscellaneous business services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CPAY and WU compare
Corpay is the larger company, worth 14 times as much as Western Union ($30.3B against $2.1B).
On earnings, Western Union is cheaper: it trades at 6.4× trailing earnings, against 25.4× for Corpay.
Corpay grew revenue faster over the last twelve months (21.2% versus −2.1% for Western Union).
Corpay keeps more of each dollar of sales as profit, with a net margin of 23.7% compared with 8.3% at Western Union.
Western Union pays a dividend yielding 13.9%; Corpay does not pay one.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CPAY | WU |
|---|---|---|
| Size and price | ||
| Market cap | $30.3B | $2.1B |
| Share price | $462.22 | $6.74 |
| Change, 1 year | 61.2% | −24.4% |
| Change, 5 years | 103% | −59.5% |
| Beta (5Y) | 1.14 | 0.62 |
| Employees | 12K | 9,600 |
| StockData Score | ||
| Total score | 11 | 11 |
| Valuation score | 1 | 5 (better) |
| Growth score | 3 (better) | 0 |
| Performance score | 5 (better) | 1 |
| Health score | 2 (better) | 0 |
| Dividend score | 0 | 5 (better) |
| Valuation | ||
| P/E | 25.4× | 6.4× (better) |
| P/S | 5.8× | 0.5× (better) |
| P/B | 9.2× | – |
| EV/EBITDA | 11.8× | 1.8× (better) |
| P/FCF | 22.8× | 5.1× (better) |
| PEG | 3.87 | – |
| FCF yield | 4.4% | 19.6% (better) |
| Fair value | $427.26 | $19.10 |
| Margin of safety | −8.2% | 64.7% (better) |
| Growth | ||
| Revenue growth (TTM) | 21.2% (better) | −2.1% |
| Revenue growth, 5Y average | 13.6% (better) | −3.5% |
| Net income growth (TTM) | 18.1% (better) | −56.7% |
| EPS growth (TTM) | 23.4% (better) | −54.3% |
| EPS growth, 5Y average | 13.1% (better) | −3.2% |
| Profitability | ||
| Gross margin | – | 34.1% |
| Operating margin | 43.9% (better) | 14.2% |
| Net margin | 23.7% (better) | 8.3% |
| FCF margin | 25.5% (better) | 10.3% |
| Return on equity | 33.7% | – |
| Return on invested capital | 33.7% | – |
| Financial health | ||
| Debt / equity | 1.57 | – |
| Net debt / EBITDA | 0.76 | – |
| Interest coverage | 5.1× (better) | 3.8× |
| Current ratio | 0.95 | – |
| Altman Z-score | 1.72 (better) | 0.89 |
| Piotroski F-score | 5 | 5 |
| Dividends and buybacks | ||
| Dividend yield | – | 13.9% |
| Payout ratio | – | 90.1% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | 0.87% |
| Buyback yield | 7.0% (better) | 4.4% |
| Shareholder yield | 7.0% | 18.3% (better) |
| Ownership | ||
| Held by institutions | 97.8% | 96.0% |
| Held by insiders | 5.3% | 1.6% |
| Insider net buying, 12 months | −$146M | −$241K (better) |
| Superinvestors holding | 1 | 1 |
| Short interest, % of float | 5.8% | 19.6% |
Go deeper
- CPAY stock overview
- CPAY income statement
- CPAY valuation and score
- WU stock overview
- WU income statement
- WU valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.