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CPAY vs HQY
Which Stock Would AI Choose? Corpay (CPAY) vs. HealthEquity (HQY) Stock Comparison
Key Takeaways
- Corpay (CPAY) reported strong Q1 2026 results with 25% revenue growth and 29% adjusted EPS growth, outpacing expectations and highlighting momentum in corporate payments.
- HealthEquity (HQY) delivered an earnings beat in its most recent reported quarter (Q4 2026), though its stock has shown more volatility within a wide 52-week range.
- CPAY benefits from recent strategic moves including stablecoin integration and credit facility expansion, supporting its positioning in global corporate payments.
- HQY focuses on health savings accounts (HSAs) and benefits administration, with performance tied to healthcare spending trends and employer adoption.
- Relative performance shows CPAY with firmer recent momentum compared to HQY’s more mixed year-to-date results amid broader market conditions.
- Both stocks operate in distinct sectors—corporate payments for CPAY and healthcare benefits for HQY—offering different growth drivers and risk profiles for investors.
Introduction
Corpay (CPAY) and HealthEquity (HQY) represent two specialized companies in the financial technology space, each serving distinct markets within payments and benefits administration. This comparison examines their business models, recent performance trends, and market positioning to assist traders and investors evaluating relative opportunities. Professionals seeking exposure to corporate expense management or healthcare savings platforms, as well as those monitoring sector-specific momentum, may find the analysis relevant for portfolio allocation decisions in the current environment.
CPAY Overview and Recent Performance
Corpay (CPAY), formerly known as Fleetcor Technologies, provides corporate payments solutions that help businesses manage expenses through fuel cards, lodging programs, and cross-border payments. In recent weeks, the stock has reflected positive sentiment following the company’s Q1 2026 earnings release, which showed 25% year-over-year revenue growth, 11% organic revenue growth, and 29% adjusted EPS growth. Additional developments, including a partnership to add stablecoin wallets and completion of refinancing to increase its revolving credit facility to $3.7 billion, have contributed to perceptions of operational expansion. Market activity has been influenced by these catalysts alongside broader equity trends, with the share price trading near $347–$350 levels in recent sessions.
HQY Overview and Recent Performance
HealthEquity (HQY) delivers technology-enabled platforms for health savings accounts (HSAs) and other consumer-directed benefits, serving employers and individuals primarily in the United States. Recent market activity for the stock has been shaped by ongoing healthcare utilization trends and prior-quarter results that included an earnings beat. The company’s shares have traded within a 52-week range of approximately $72.76 to $116.65, with prices recently hovering near $86–$88 amid mixed year-to-date performance relative to broader benchmarks. Sentiment has been influenced by sector dynamics in health information services, though specific near-term catalysts have been less pronounced compared to peers reporting fresh quarterly updates.
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Head-to-Head Comparison
Corpay (CPAY) and HealthEquity (HQY) differ fundamentally in business model: CPAY emphasizes scalable corporate payments and expense management across industries, while HQY centers on tax-advantaged healthcare accounts and benefits administration. Growth drivers for CPAY include cross-border expansion and digital payment innovations, whereas HQY’s trajectory ties more closely to healthcare policy, employer benefit adoption, and medical inflation. Recent momentum favors CPAY following its robust earnings beat and strategic announcements, in contrast to HQY’s steadier but less catalyst-driven price action. Risk factors for CPAY include exposure to fuel price volatility and regulatory changes in payments; HQY faces sensitivities to healthcare reimbursement shifts and competition in benefits platforms. Sector exposure places CPAY in financial technology and payments infrastructure, while HQY operates within healthcare services, resulting in differentiated correlations to economic cycles and market sentiment.
Tickeron AI Verdict
Based on observable factors such as recent earnings consistency, growth trajectory, and strategic positioning, Tickeron’s AI would likely assign a probabilistic preference toward Corpay (CPAY) in the current environment. Stronger revenue and EPS expansion in the latest quarter, combined with initiatives enhancing its payments ecosystem, suggest more consistent trend alignment compared to HealthEquity (HQY)’s comparatively muted near-term catalysts. This assessment reflects relative positioning rather than absolute certainty and remains subject to evolving market data.
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 disclaimer.
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 HQY is a Hold.
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 whileHQY’s FA Score has 0 green FA rating(s).
- CPAY’s FA Score: 1 green, 4 red.
- HQY’s FA Score: 0 green, 5 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 HQY’s TA Score has 4 bullish TA indicator(s).
- CPAY’s TA Score: 4 bullish, 4 bearish.
- HQY’s TA Score: 4 bullish, 4 bearish.
Price Growth
CPAY (@Computer Communications) experienced а -5.83% price change this week, while HQY (@Services to the Health Industry) price change was -0.86% for the same time period.
The average weekly price growth across all stocks in the @Computer Communications industry was -2.46%. For the same industry, the average monthly price growth was -0.76%, and the average quarterly price growth was +30.26%.
The average weekly price growth across all stocks in the @Services to the Health Industry industry was -1.89%. For the same industry, the average monthly price growth was -1.16%, and the average quarterly price growth was -13.14%.
Reported Earning Dates
CPAY is expected to report earnings on Aug 12, 2026.
HQY is expected to report earnings on Sep 08, 2026.
Industries' Descriptions
@Computer Communications (-2.46% 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.
@Services to the Health Industry (-1.89% weekly)This industry comprises companies that provide services, such as equipment sterilization, research, physician management systems and consulting, that support the healthcare/medical industry. Examples of such companies include Laboratory Corporation of America Holdings, which operates one of the largest clinical laboratory networks in the world; Quest Diagnostics Inc., which is a clinical laboratory; and Syneos Health, which is a major clinical research organization.
| CPAY | HQY | CPAY / HQY | |
| Capitalization | 22.2B | 7.1B | 313% |
| EBITDA | 2.56B | 508M | 503% |
| Gain YTD | 12.770 | -7.303 | -175% |
| P/E Ratio | 20.79 | 31.69 | 66% |
| Revenue | 4.78B | 1.34B | 358% |
| Total Cash | 2.54B | 265M | 957% |
| Total Debt | 10.4B | 985M | 1,056% |
CPAY | HQY | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 10 | 55 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 45 Fair valued | 73 Overvalued | |
PROFIT vs RISK RATING 1..100 | 70 | 89 | |
SMR RATING 1..100 | 30 | 68 | |
PRICE GROWTH RATING 1..100 | 48 | 60 | |
P/E GROWTH RATING 1..100 | 60 | 95 | |
SEASONALITY SCORE 1..100 | 50 | n/a |
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 (45) in the Miscellaneous Commercial Services industry is in the same range as HQY (73) in the Investment Managers industry. This means that CPAY’s stock grew similarly to HQY’s over the last 12 months.
CPAY's Profit vs Risk Rating (70) in the Miscellaneous Commercial Services industry is in the same range as HQY (89) in the Investment Managers industry. This means that CPAY’s stock grew similarly to HQY’s over the last 12 months.
CPAY's SMR Rating (30) in the Miscellaneous Commercial Services industry is somewhat better than the same rating for HQY (68) in the Investment Managers industry. This means that CPAY’s stock grew somewhat faster than HQY’s over the last 12 months.
CPAY's Price Growth Rating (48) in the Miscellaneous Commercial Services industry is in the same range as HQY (60) in the Investment Managers industry. This means that CPAY’s stock grew similarly to HQY’s over the last 12 months.
CPAY's P/E Growth Rating (60) in the Miscellaneous Commercial Services industry is somewhat better than the same rating for HQY (95) in the Investment Managers industry. This means that CPAY’s stock grew somewhat faster than HQY’s over the last 12 months.
| CPAY | HQY | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 71% | N/A |
| Stochastic ODDS (%) | 1 day ago 68% | 1 day ago 73% |
| Momentum ODDS (%) | 1 day ago 66% | 1 day ago 66% |
| MACD ODDS (%) | 1 day ago 63% | 1 day ago 69% |
| TrendWeek ODDS (%) | 1 day ago 63% | 1 day ago 64% |
| TrendMonth ODDS (%) | 1 day ago 60% | 1 day ago 64% |
| Advances ODDS (%) | 12 days ago 65% | 14 days ago 74% |
| Declines ODDS (%) | 6 days ago 66% | 2 days ago 64% |
| BollingerBands ODDS (%) | 1 day ago 71% | 1 day ago 73% |
| Aroon ODDS (%) | 1 day ago 65% | 1 day ago 61% |
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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% | -2.25% | ||
| WEX - CPAY | 64% Loosely correlated | +0.17% | ||
| HUBS - CPAY | 63% Loosely correlated | +0.28% | ||
| SSNC - CPAY | 63% Loosely correlated | +1.60% | ||
| ADSK - CPAY | 62% Loosely correlated | +0.56% | ||
| CRM - CPAY | 61% Loosely correlated | +2.20% | ||
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HQY and
Correlation & Price change
A.I.dvisor indicates that over the last year, HQY has been loosely correlated with EVCM. These tickers have moved in lockstep 47% of the time. This A.I.-generated data suggests there is some statistical probability that if HQY jumps, then EVCM could also see price increases.
| Ticker / NAME | Correlation To HQY | 1D Price Change % | ||
|---|---|---|---|---|
| HQY | 100% | +0.37% | ||
| EVCM - HQY | 47% Loosely correlated | +1.26% | ||
| CPAY - HQY | 46% Loosely correlated | -2.25% | ||
| HUBS - HQY | 46% Loosely correlated | +0.28% | ||
| ALKT - HQY | 43% Loosely correlated | +3.15% | ||
| PCOR - HQY | 43% Loosely correlated | -0.15% | ||
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