Paypoint (OTCMKTS:PYPTF) versus Corpay (NYSE:CPAY) Head to Head Comparison

Corpay (NYSE:CPAY) and Paypoint (OTCMKTS:PYPTF) are both business services companies, but which is the better stock? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, valuation, profitability, risk, earnings and dividends.

Profitability

This table compares Corpay and Paypoint’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Corpay	25.17%	39.13%	7.20%
Paypoint	N/A	N/A	N/A

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Corpay and Paypoint, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Corpay	0	6	9	0	2.60
Paypoint	0	0	0	0	0.00

Corpay currently has a consensus price target of $379.71, suggesting a potential upside of 32.74%. Given Corpay’s stronger consensus rating and higher possible upside, analysts clearly believe Corpay is more favorable than Paypoint.

Valuation and Earnings

This table compares Corpay and Paypoint”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Corpay	$4.31 billion	4.68	$1.00 billion	$14.73	19.42
Paypoint	$391.23 million	2.57	$24.49 million	N/A	N/A

Corpay has higher revenue and earnings than Paypoint.

Volatility and Risk

Corpay has a beta of 0.95, indicating that its share price is 5% less volatile than the S&P 500. Comparatively, Paypoint has a beta of 0.37, indicating that its share price is 63% less volatile than the S&P 500.

Institutional & Insider Ownership

98.8% of Corpay shares are held by institutional investors. 5.0% of Corpay shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Summary

Corpay beats Paypoint on 12 of the 12 factors compared between the two stocks.

About Corpay

Corpay, Inc. operates as a payments company that helps businesses and consumers manage vehicle-related expenses, lodging expenses, and corporate payments in the United States, Brazil, the United Kingdom, and internationally. The company offers vehicle payment solutions, which include fuel, tolls, parking, fleet maintenance, and long-haul transportation services, as well as prepaid food and transportation vouchers and cards. It also provides corporate payment solutions consisting of accounts payable automation; virtual cards, cross-border solutions; and purchasing and travel and entertainment card products, as well as lodging payments solutions for employees who travel overnight for work purposes; traveling crews and stranded passengers from airlines and cruise lines; and insurance policyholders displaced from their homes due to damage or catastrophe. In addition, the company offers gifts and payroll cards. It serves business, merchant, consumer, and payment network customers. The company was formerly known as FLEETCOR Technologies, Inc. and changed its name to Corpay, Inc. in March 2024. Corpay, Inc. was founded in 1986 and is headquartered in Atlanta, Georgia.

About Paypoint

PayPoint plc engages in the provision of payments and banking, shopping, and e-commerce services and products in the United Kingdom. The company operates through two segments: PayPoint and Love2shop. The PayPoint segment provides card payment services to retailers, including leased payment devices; EPoS; ATM cash machines; SIM cards sales; receipt advertising; bill payment services and cash top-ups to individual consumers; parcel delivery and collection services; retailer service fees solutions; and digital payment services, as well as cash through to digital services. The segment offers its products under PayPoint One, eMoney, MultiPay, CashOut, and Direct Debits platforms. The Love2shop segment is involved in the provision of shopping vouchers, cards, and e-codes which customers may redeem with participating retailers; and Christmas savings club, to which customers make regular payments throughout the year to help spread the cost of Christmas, before converting to a voucher. It serves consumers, SMEs, and convenience retailers in the commercial, not-for-profit, and public sectors. The company was founded in 1996 and is headquartered in Welwyn Garden City, the United Kingdom.