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CPAY vs SSNC
Which Stock Would AI Choose? Corpay, Inc. (CPAY) vs. SS&C Technologies Holdings, Inc. (SSNC) Stock Comparison
Key Takeaways
- CPAY has shown stronger recent momentum with shares up approximately 7.5% over the past 12 months, outperforming SSNC's -4.3% total return in the same period.
- Corpay reports robust profitability with a TTM net profit margin of 23.6%, significantly higher than SSNC's 12.7%.
- SSNC delivered record Q4 and full-year 2025 results with revenue up 8.1%, but shares declined post-earnings amid broader market pressures.
- CPAY's revenue reached $4.5 billion TTM with strong free cash flow growth, highlighting operational efficiency.
- Both stocks operate in financial technology, but CPAY focuses on payments while SSNC emphasizes software services, leading to divergent risk profiles.
- Upcoming CPAY Q1 2026 earnings on May 7 may influence near-term sentiment.
Introduction
Corpay, Inc. (CPAY) and SS&C Technologies Holdings, Inc. (SSNC) are key players in the financial technology sector, offering solutions for payments processing and software-enabled services, respectively. This stock comparison analyzes their recent market performance, business drivers, and relative positioning to assist traders seeking momentum plays and long-term investors evaluating fintech exposure. In the current environment of economic uncertainty and interest rate shifts, understanding contrasts in growth, profitability, and sentiment can inform portfolio decisions.
CPAY Overview and Recent Performance
Corpay, Inc. (CPAY) specializes in digital payments solutions, including corporate expense management, fleet cards, and cross-border payments for businesses worldwide. Formerly known as FLEETCOR Technologies, the company has transitioned to the CPAY ticker following its rebranding. In recent market activity, CPAY shares have traded around $330, experiencing short-term pullbacks amid broader sector declines but maintaining upward momentum over the past six months with gains of about 17%. Sentiment has been supported by Q4 2025 earnings that beat EPS estimates at $6.04 versus $5.82 expected, alongside strategic partnerships like its role as Official FX supplier. Upcoming Q1 2026 results on May 7 are anticipated to provide further clarity on revenue growth, which reached $4.5 billion TTM with a 23.6% net margin.
SSNC Overview and Recent Performance
SS&C Technologies Holdings, Inc. (SSNC) delivers software products and software-enabled services to the financial services, healthcare, and public sectors, focusing on asset management, insurance, and lending workflows. Recent weeks have seen SSNC shares fluctuate around $70, with year-to-date declines of approximately 17% reflecting post-earnings weakness despite record Q4 2025 revenue of $1.65 billion, up 8.1% year-over-year. The stock underperformed the S&P 500's gains, pressured by analyst price target adjustments and sector rotation. However, full-year 2025 results highlighted TTM revenue of $6.27 billion and a 12.7% profit margin, underscoring steady demand for its SaaS (Software as a Service) offerings.
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Head-to-Head Comparison
Corpay (CPAY) and SS&C (SSNC) both serve financial ecosystems but diverge in models: CPAY's transaction-based payments yield higher margins (23.6% vs. 12.7%) and scalability from volume growth, while SSNC's recurring SaaS revenue provides stability through long-term contracts. Recent momentum favors CPAY with positive 12-month gains amid partnerships, contrasting SSNC's YTD declines post-record earnings. Risk factors include CPAY's exposure to economic cycles affecting corporate spending versus SSNC's reliance on asset management flows sensitive to interest rates. Sector-wise, both benefit from fintech digitization, but CPAY shows superior ROE (Return on Equity) at 30.5%. Market sentiment leans toward CPAY's growth catalysts in recent weeks.
Tickeron AI Verdict
Tickeron’s AI models currently favor CPAY over SSNC due to consistent upward trend consistency, elevated profitability metrics, and stronger relative momentum in recent market activity. Factors like robust free cash flow growth and upcoming catalysts position CPAY with higher probabilistic outperformance potential in the near term, though SSNC's scale offers defensive appeal.
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 SSNC is a StrongBuy.
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 whileSSNC’s FA Score has 1 green FA rating(s).
- CPAY’s FA Score: 1 green, 4 red.
- SSNC’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 SSNC’s TA Score has 5 bullish TA indicator(s).
- CPAY’s TA Score: 4 bullish, 6 bearish.
- SSNC’s TA Score: 5 bullish, 5 bearish.
Price Growth
CPAY (@Computer Communications) experienced а +2.49% price change this week, while SSNC (@Packaged Software) price change was -3.19% 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.
SSNC is expected to report earnings on Jul 29, 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 | SSNC | CPAY / SSNC | |
| Capitalization | 23.3B | 16.3B | 143% |
| EBITDA | 2.56B | 2.17B | 118% |
| Gain YTD | 18.336 | -21.990 | -83% |
| P/E Ratio | 21.32 | 21.02 | 101% |
| Revenue | 4.78B | 6.41B | 75% |
| Total Cash | 2.54B | 421M | 603% |
| Total Debt | 10.4B | 7.63B | 136% |
CPAY | SSNC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 18 | 75 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 47 Fair valued | 12 Undervalued | |
PROFIT vs RISK RATING 1..100 | 64 | 100 | |
SMR RATING 1..100 | 30 | 66 | |
PRICE GROWTH RATING 1..100 | 48 | 61 | |
P/E GROWTH RATING 1..100 | 67 | 71 | |
SEASONALITY SCORE 1..100 | 50 | 47 |
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.
SSNC's Valuation (12) in the Information Technology Services industry is somewhat better than the same rating for CPAY (47) in the Miscellaneous Commercial Services industry. This means that SSNC’s stock grew somewhat faster than CPAY’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 SSNC (100) in the Information Technology Services industry. This means that CPAY’s stock grew somewhat faster than SSNC’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 SSNC (66) in the Information Technology Services industry. This means that CPAY’s stock grew somewhat faster than SSNC’s over the last 12 months.
CPAY's Price Growth Rating (48) in the Miscellaneous Commercial Services industry is in the same range as SSNC (61) in the Information Technology Services industry. This means that CPAY’s stock grew similarly to SSNC’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 SSNC (71) in the Information Technology Services industry. This means that CPAY’s stock grew similarly to SSNC’s over the last 12 months.
| CPAY | SSNC | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 63% | 3 days ago 55% |
| Stochastic ODDS (%) | 3 days ago 67% | 3 days ago 48% |
| Momentum ODDS (%) | 3 days ago 66% | 3 days ago 53% |
| MACD ODDS (%) | 3 days ago 55% | 3 days ago 56% |
| TrendWeek ODDS (%) | 3 days ago 68% | 3 days ago 53% |
| TrendMonth ODDS (%) | 3 days ago 67% | 3 days ago 49% |
| Advances ODDS (%) | 3 days ago 65% | 10 days ago 53% |
| Declines ODDS (%) | 12 days ago 68% | 3 days ago 53% |
| BollingerBands ODDS (%) | 5 days ago 73% | 3 days ago 48% |
| Aroon ODDS (%) | 3 days ago 65% | 3 days ago 57% |
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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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