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CPAY vs FICO
Which Stock Would AI Choose? Corpay, Inc. (CPAY) vs. Fair Isaac Corporation (FICO) Stock Comparison
Key Takeaways
- CPAY, a corporate payments leader, has delivered positive year-to-date returns around 2%, contrasting with FICO's sharp decline of nearly 39% amid market pressures.
- Both companies operate in fintech-related spaces, with CPAY focusing on payments processing and FICO on analytics and credit scoring.
- Recent quarters show strong revenue growth for both, but FICO beat Q2 estimates despite post-earnings weakness.
- CPAY trades near $307 with a stable trajectory from its 52-week high, while FICO at around $1,035 reflects heightened volatility.
- Market caps are comparable at roughly $20 billion each, highlighting similar scale in their respective niches.
- Tickeron's AI tools highlight diverse trading opportunities across fintech peers.
Introduction
This comparison examines CPAY and FICO, two prominent players in the financial technology landscape. CPAY specializes in corporate payments solutions, while FICO leads in predictive analytics and credit scoring. Investors and traders interested in fintech growth, relative performance, and market positioning will find value here, particularly amid recent volatility in the sector. By analyzing recent market activity, business drivers, and sentiment, this article aids informed stock comparison decisions.
CPAY Overview and Recent Performance
Corpay, Inc. (CPAY) is a global S&P 500 corporate payments company that streamlines business and consumer expense management through specialized platforms. In recent market activity, CPAY shares have traded around $307, reflecting a modest year-to-date gain of about 2% while slipping roughly 17% from the 52-week high of $362 reached earlier in the year. Q4 2025 results exceeded sales estimates with $1.25 billion in revenue, up 20.7% year-over-year, bolstering sentiment. Positive analyst outlooks and strategic partnerships have supported stability, though broader fintech pressures have tempered gains in recent weeks.
FICO Overview and Recent Performance
Fair Isaac Corporation (FICO) is a leading analytics firm renowned for its FICO Scores (credit risk assessment tools) and decision management software across software and scores segments. Shares have hovered near $1,035 recently, down approximately 39% year-to-date and 28% over three months, trading well below the 52-week high above $2,200. Despite this, Q2 2026 delivered robust $692 million revenue and GAAP EPS of $11.14, surpassing expectations and accelerating growth to 23%. Post-earnings dips stemmed from short-seller concerns and sector headwinds, influencing sentiment in recent weeks.
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Head-to-Head Comparison
CPAY and FICO share fintech exposure but diverge in models: CPAY's transaction-based payments generate steady revenue, contrasting FICO's subscription-driven analytics with higher growth potential (recent 23% revenue rise). Momentum favors CPAY's relative stability versus FICO's volatility. Risk factors include economic sensitivity for payments and regulatory scrutiny for credit scoring. Both boast strong profitability, but FICO shows superior earnings growth amid a valuation reset (EV/EBITDA down to 24.7x). Sector-wise, payments offer defensive traits, while analytics ties to lending cycles. Sentiment leans positive for CPAY on consistency, FICO on recovery prospects.
Tickeron AI Verdict
Tickeron's AI currently favors CPAY over FICO due to superior trend consistency, positive YTD positioning, and lower recent drawdowns amid fintech turbulence. While FICO exhibits strong fundamentals and potential rebound catalysts, its heightened volatility reduces short-term appeal. This probabilistic edge reflects observable momentum and stability factors.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is CPAY is a StrongBuy and FICO is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
CPAY’s FA Score shows that 1 FA rating(s) are green whileFICO’s FA Score has 1 green FA rating(s).
- CPAY’s FA Score: 1 green, 4 red.
- FICO’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
CPAY’s TA Score shows that 4 TA indicator(s) are bullish while FICO’s TA Score has 5 bullish TA indicator(s).
- CPAY’s TA Score: 4 bullish, 6 bearish.
- FICO’s TA Score: 5 bullish, 5 bearish.
Price Growth
CPAY (@Computer Communications) experienced а +2.49% price change this week, while FICO (@Packaged Software) price change was +3.68% for the same time period.
The average weekly price growth across all stocks in the @Computer Communications industry was -1.12%. For the same industry, the average monthly price growth was +2.86%, and the average quarterly price growth was +21.28%.
The average weekly price growth across all stocks in the @Packaged Software industry was -2.27%. For the same industry, the average monthly price growth was +0.37%, and the average quarterly price growth was -8.09%.
Reported Earning Dates
CPAY is expected to report earnings on Aug 12, 2026.
FICO is expected to report earnings on Aug 05, 2026.
Industries' Descriptions
@Computer Communications (-1.12% weekly)Computer communications industry develops technology that allows computing devices to exchange data with each other using connections/data links between nodes. Common types of computer network include Cloud (IAN), Internet, Wide (WAN, Local (LAN)/Wireless(WLAN) etc. The industry is an ever-more important part of technology, and is set to become even bigger as the Internet of Things (IoT) rapidly forays into the various aspects of our lives. Cisco Systems, Inc., Palo Alto Networks, Inc. and Arista Networks, Inc., Fortinet, Inc. are some of the major computer communications companies.
@Packaged Software (-2.27% weekly)Packaged software comprises multiple software programs bundled together and sold as a group. For example, Microsoft Office includes multiple applications such as Excel, Word, and PowerPoint. In some cases, buying a bundled product is cheaper than purchasing each item individually[s20] . Microsoft Corporation, Oracle Corp. and Adobe are some major American packaged software makers.
| CPAY | FICO | CPAY / FICO | |
| Capitalization | 23.3B | 27.3B | 85% |
| EBITDA | 2.56B | 1.16B | 220% |
| Gain YTD | 18.336 | -30.251 | -61% |
| P/E Ratio | 21.32 | 37.39 | 57% |
| Revenue | 4.78B | 2.26B | 212% |
| Total Cash | 2.54B | 219M | 1,158% |
| Total Debt | 10.4B | 3.66B | 284% |
CPAY | FICO | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 18 | 82 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 47 Fair valued | 92 Overvalued | |
PROFIT vs RISK RATING 1..100 | 64 | 72 | |
SMR RATING 1..100 | 30 | 7 | |
PRICE GROWTH RATING 1..100 | 47 | 60 | |
P/E GROWTH RATING 1..100 | 67 | 94 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
CPAY's Valuation (47) in the Miscellaneous Commercial Services industry is somewhat better than the same rating for FICO (92) in the Packaged Software industry. This means that CPAY’s stock grew somewhat faster than FICO’s over the last 12 months.
CPAY's Profit vs Risk Rating (64) in the Miscellaneous Commercial Services industry is in the same range as FICO (72) in the Packaged Software industry. This means that CPAY’s stock grew similarly to FICO’s over the last 12 months.
FICO's SMR Rating (7) in the Packaged Software industry is in the same range as CPAY (30) in the Miscellaneous Commercial Services industry. This means that FICO’s stock grew similarly to CPAY’s over the last 12 months.
CPAY's Price Growth Rating (47) in the Miscellaneous Commercial Services industry is in the same range as FICO (60) in the Packaged Software industry. This means that CPAY’s stock grew similarly to FICO’s over the last 12 months.
CPAY's P/E Growth Rating (67) in the Miscellaneous Commercial Services industry is in the same range as FICO (94) in the Packaged Software industry. This means that CPAY’s stock grew similarly to FICO’s over the last 12 months.
| CPAY | FICO | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 63% | 3 days ago 57% |
| Stochastic ODDS (%) | 3 days ago 67% | 3 days ago 69% |
| Momentum ODDS (%) | 3 days ago 66% | 3 days ago 63% |
| MACD ODDS (%) | 3 days ago 55% | 3 days ago 57% |
| TrendWeek ODDS (%) | 3 days ago 68% | 3 days ago 73% |
| TrendMonth ODDS (%) | 3 days ago 67% | 3 days ago 77% |
| Advances ODDS (%) | 3 days ago 65% | 6 days ago 73% |
| Declines ODDS (%) | 12 days ago 68% | 3 days ago 64% |
| BollingerBands ODDS (%) | 5 days ago 73% | 3 days ago 50% |
| Aroon ODDS (%) | 3 days ago 65% | 3 days ago 74% |
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CPAY and
Correlation & Price change
A.I.dvisor indicates that over the last year, CPAY has been loosely correlated with WEX. These tickers have moved in lockstep 64% of the time. This A.I.-generated data suggests there is some statistical probability that if CPAY jumps, then WEX could also see price increases.
| Ticker / NAME | Correlation To CPAY | 1D Price Change % | ||
|---|---|---|---|---|
| CPAY | 100% | +1.50% | ||
| WEX - CPAY | 64% Loosely correlated | -0.63% | ||
| HUBS - CPAY | 63% Loosely correlated | +0.83% | ||
| SSNC - CPAY | 63% Loosely correlated | -0.09% | ||
| ADSK - CPAY | 62% Loosely correlated | -3.47% | ||
| CRM - CPAY | 61% Loosely correlated | -0.34% | ||
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FICO and
Correlation & Price change
A.I.dvisor indicates that over the last year, FICO has been loosely correlated with WIX. These tickers have moved in lockstep 49% of the time. This A.I.-generated data suggests there is some statistical probability that if FICO jumps, then WIX could also see price increases.
| Ticker / NAME | Correlation To FICO | 1D Price Change % | ||
|---|---|---|---|---|
| FICO | 100% | -0.52% | ||
| WIX - FICO | 49% Loosely correlated | +4.18% | ||
| CPAY - FICO | 46% Loosely correlated | +1.50% | ||
| COIN - FICO | 45% Loosely correlated | -0.41% | ||
| PANW - FICO | 45% Loosely correlated | +0.03% | ||
| COMP - FICO | 44% Loosely correlated | +1.66% | ||
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