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CPAY vs HUBS
Which Stock Would AI Choose? Corpay, Inc. (CPAY) vs. HubSpot, Inc. (HUBS) Stock Comparison
Key Takeaways
- CPAY demonstrates stability with a trailing price-to-earnings (PE) ratio of 20.8 and profit margins above 23%, contrasting HUBS's higher growth profile marked by a PE of 279 but lower 1.5% margins.
- HUBS has outperformed year-to-date with approximately 40% gains, fueled by AI integrations and SaaS demand, while CPAY shows modest 4% YTD returns amid consistent corporate payments growth.
- Both stocks approach Q1 2026 earnings on May 7, with analysts anticipating EPS growth for CPAY at 21% and strong revenue beats for HUBS.
- CPAY's lower beta of 0.82 indicates reduced volatility compared to HUBS's 1.23, appealing to risk-averse investors.
- Recent AI enhancements bolster both: CPAY in spend management and HUBS in answer engine optimization (AEO).
Introduction
CPAY and HUBS represent distinct yet complementary segments of the technology-enabled services sector: corporate payments and customer relationship management (CRM) software. This stock comparison analyzes their recent market positioning, performance trends, and growth drivers amid evolving AI adoption and economic conditions. Traders seeking momentum plays may eye HUBS's volatility, while value-oriented investors could favor CPAY's profitability. With both reporting earnings soon, insights into relative strength help inform portfolio decisions in a dynamic market.
CPAY Overview and Recent Performance
Corpay, Inc. (CPAY) provides global corporate payment solutions, helping businesses manage expenses securely. In recent market activity, the stock has traded around $313, with a market cap of $20.7 billion and year-to-date gains of about 4%. Influences include reaffirmed Q1 2026 guidance and new AI capabilities launched in late April for spend management, enhancing real-time insights. Partnerships, such as with Toulouse Football Club for cross-border FX, have supported sentiment. Trading near its 52-week midpoint, CPAY reflects steady demand in payments amid economic resilience, bolstered by 20% quarterly revenue growth and high 78% gross margins.
HUBS Overview and Recent Performance
HubSpot, Inc. (HUBS) delivers cloud-based CRM platforms for marketing, sales, and service. Recently, shares have hovered near $240, with a $12.3 billion market cap and robust year-to-date returns exceeding 40%, alongside 62% one-year gains. Key drivers encompass AI-powered features like HubSpot AEO for AI search visibility and the XFunnel acquisition to expand capabilities. Despite choppy trading post-earnings, positive analyst coverage and a $1 billion buyback signal confidence. HUBS benefits from 20% revenue expansion and SaaS momentum, though thin profit margins temper gains in recent weeks.
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Head-to-Head Comparison
CPAY’s payments processing model emphasizes recurring corporate spend with superior profitability (24% ROIC) versus HUBS’ subscription-based CRM, which prioritizes customer acquisition growth. Growth drivers differ: CPAY leverages AI for efficiency in a stable sector, while HUBS taps SaaS expansion amid AI search shifts. Recent momentum favors HUBS with stronger returns, but CPAY exhibits lower risk via reduced beta and higher free cash flow growth (131%). Sector exposure contrasts payments resilience against software cyclicality; sentiment tilts positive for both pre-earnings, though HUBS shows higher analyst upside potential.
Tickeron AI Verdict
Tickeron’s AI models would likely lean toward HUBS in the current environment, given its superior recent momentum, revenue acceleration, and positioning in high-growth AI-enhanced SaaS. Factors like 40% YTD gains, forward PE of 19, and analyst targets implying 40%+ upside outweigh CPAY’s stability, though the latter suits conservative trends. This probabilistic edge reflects trend consistency and catalysts over near-term horizons.
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. 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 HUBS 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 whileHUBS’s FA Score has 0 green FA rating(s).
- CPAY’s FA Score: 1 green, 4 red.
- HUBS’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 HUBS’s TA Score has 2 bullish TA indicator(s).
- CPAY’s TA Score: 4 bullish, 6 bearish.
- HUBS’s TA Score: 2 bullish, 7 bearish.
Price Growth
CPAY (@Computer Communications) experienced а +2.49% price change this week, while HUBS (@Packaged Software) price change was -11.60% 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.
HUBS 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 | HUBS | CPAY / HUBS | |
| Capitalization | 23.3B | 9.62B | 242% |
| EBITDA | 2.56B | 267M | 957% |
| Gain YTD | 18.336 | -53.157 | -34% |
| P/E Ratio | 21.32 | 98.94 | 22% |
| Revenue | 4.78B | 3.3B | 145% |
| Total Cash | 2.54B | 1.69B | 150% |
| Total Debt | 10.4B | 247M | 4,211% |
CPAY | HUBS | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 18 | 67 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 47 Fair valued | 78 Overvalued | |
PROFIT vs RISK RATING 1..100 | 64 | 100 | |
SMR RATING 1..100 | 30 | 86 | |
PRICE GROWTH RATING 1..100 | 48 | 65 | |
P/E GROWTH RATING 1..100 | 67 | 96 | |
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 (47) in the Miscellaneous Commercial Services industry is in the same range as HUBS (78) in the Information Technology Services industry. This means that CPAY’s stock grew similarly to HUBS’s over the last 12 months.
CPAY's Profit vs Risk Rating (64) in the Miscellaneous Commercial Services industry is somewhat better than the same rating for HUBS (100) in the Information Technology Services industry. This means that CPAY’s stock grew somewhat faster than HUBS’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 HUBS (86) in the Information Technology Services industry. This means that CPAY’s stock grew somewhat faster than HUBS’s over the last 12 months.
CPAY's Price Growth Rating (48) in the Miscellaneous Commercial Services industry is in the same range as HUBS (65) in the Information Technology Services industry. This means that CPAY’s stock grew similarly to HUBS’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 HUBS (96) in the Information Technology Services industry. This means that CPAY’s stock grew similarly to HUBS’s over the last 12 months.
| CPAY | HUBS | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 63% | 3 days ago 76% |
| Stochastic ODDS (%) | 3 days ago 67% | 3 days ago 72% |
| Momentum ODDS (%) | 3 days ago 66% | 3 days ago 72% |
| MACD ODDS (%) | 3 days ago 55% | 3 days ago 70% |
| TrendWeek ODDS (%) | 3 days ago 68% | 3 days ago 72% |
| TrendMonth ODDS (%) | 3 days ago 67% | 3 days ago 75% |
| Advances ODDS (%) | 3 days ago 65% | 14 days ago 74% |
| Declines ODDS (%) | 12 days ago 68% | 4 days ago 72% |
| BollingerBands ODDS (%) | 5 days ago 73% | 3 days ago 73% |
| Aroon ODDS (%) | 3 days ago 65% | N/A |
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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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HUBS and
Correlation & Price change
A.I.dvisor indicates that over the last year, HUBS has been closely correlated with CRM. These tickers have moved in lockstep 79% of the time. This A.I.-generated data suggests there is a high statistical probability that if HUBS jumps, then CRM could also see price increases.
| Ticker / NAME | Correlation To HUBS | 1D Price Change % | ||
|---|---|---|---|---|
| HUBS | 100% | +0.83% | ||
| CRM - HUBS | 79% Closely correlated | -0.34% | ||
| TEAM - HUBS | 72% Closely correlated | -0.76% | ||
| FRSH - HUBS | 67% Closely correlated | +2.44% | ||
| NOW - HUBS | 66% Closely correlated | -0.90% | ||
| S - HUBS | 66% Loosely correlated | +0.61% | ||
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