CPAY
Price
$334.29
Change
+$3.52 (+1.06%)
Updated
Jul 22 closing price
Capitalization
21.98B
14 days until earnings call
UPBD
Price
$24.25
Change
+$0.62 (+2.62%)
Updated
Jul 22 closing price
Capitalization
1.92B
8 days until earnings call
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CPAY vs UPBD

Header iconCPAY vs UPBD Comparison
Open Charts CPAY vs UPBDBanner chart's image
Corpay
Price$334.29
Change+$3.52 (+1.06%)
Volume$374.24K
Capitalization21.98B
Upbound Group
Price$24.25
Change+$0.62 (+2.62%)
Volume$567.06K
Capitalization1.92B
CPAY vs UPBD Comparison Chart in %
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CPAY
Daily Signalchanged days ago
Gain/Loss if bought
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UPBD
Daily Signalchanged days ago
Gain/Loss if bought
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CPAY vs. UPBD commentary
Jul 23, 2025

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 Hold and UPBD is a StrongBuy.

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COMPARISON
Comparison
Jul 23, 2025
Stock price -- (CPAY: $330.77 vs. UPBD: $23.63)
Brand notoriety: CPAY and UPBD are both not notable
Both companies represent the Packaged Software industry
Current volume relative to the 65-day Moving Average: CPAY: 68% vs. UPBD: 89%
Market capitalization -- CPAY: $21.98B vs. UPBD: $1.92B
CPAY [@Packaged Software] is valued at $21.98B. UPBD’s [@Packaged Software] market capitalization is $1.92B. The market cap for tickers in the [@Packaged Software] industry ranges from $3.15T to $0. The average market capitalization across the [@Packaged Software] industry is $12.87B.

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 whileUPBD’s FA Score has 1 green FA rating(s).

  • CPAY’s FA Score: 1 green, 4 red.
  • UPBD’s FA Score: 1 green, 4 red.
According to our system of comparison, CPAY is a better buy in the long-term than UPBD.

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 5 TA indicator(s) are bullish while UPBD’s TA Score has 4 bullish TA indicator(s).

  • CPAY’s TA Score: 5 bullish, 2 bearish.
  • UPBD’s TA Score: 4 bullish, 4 bearish.
According to our system of comparison, CPAY is a better buy in the short-term than UPBD.

Price Growth

CPAY (@Packaged Software) experienced а +1.34% price change this week, while UPBD (@Packaged Software) price change was -9.08% for the same time period.

The average weekly price growth across all stocks in the @Packaged Software industry was +3.28%. For the same industry, the average monthly price growth was +7.72%, and the average quarterly price growth was +10.39%.

Reported Earning Dates

CPAY is expected to report earnings on Nov 06, 2025.

UPBD is expected to report earnings on Oct 29, 2025.

Industries' Descriptions

@Packaged Software (+3.28% 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.

SUMMARIES
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FUNDAMENTALS
Fundamentals
CPAY($22B) has a higher market cap than UPBD($1.92B). UPBD has higher P/E ratio than CPAY: UPBD (210.50) vs CPAY (23.17). CPAY YTD gains are higher at: -2.261 vs. UPBD (-16.390). CPAY has higher annual earnings (EBITDA): 2.01B vs. UPBD (1.46B). CPAY has more cash in the bank: 1.39B vs. UPBD (93.7M). UPBD has less debt than CPAY: UPBD (1.6B) vs CPAY (6.72B). UPBD has higher revenues than CPAY: UPBD (3.99B) vs CPAY (3.76B).
CPAYUPBDCPAY / UPBD
Capitalization22B1.92B1,148%
EBITDA2.01B1.46B138%
Gain YTD-2.261-16.39014%
P/E Ratio23.17210.5011%
Revenue3.76B3.99B94%
Total Cash1.39B93.7M1,483%
Total Debt6.72B1.6B420%
FUNDAMENTALS RATINGS
CPAY vs UPBD: Fundamental Ratings
CPAY
UPBD
OUTLOOK RATING
1..100
7969
VALUATION
overvalued / fair valued / undervalued
1..100
66
Overvalued
2
Undervalued
PROFIT vs RISK RATING
1..100
5587
SMR RATING
1..100
3246
PRICE GROWTH RATING
1..100
5461
P/E GROWTH RATING
1..100
3998
SEASONALITY SCORE
1..100
5095

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.

UPBD's Valuation (2) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for CPAY (66) in the Miscellaneous Commercial Services industry. This means that UPBD’s stock grew somewhat faster than CPAY’s over the last 12 months.

CPAY's Profit vs Risk Rating (55) in the Miscellaneous Commercial Services industry is in the same range as UPBD (87) in the Finance Or Rental Or Leasing industry. This means that CPAY’s stock grew similarly to UPBD’s over the last 12 months.

CPAY's SMR Rating (32) in the Miscellaneous Commercial Services industry is in the same range as UPBD (46) in the Finance Or Rental Or Leasing industry. This means that CPAY’s stock grew similarly to UPBD’s over the last 12 months.

CPAY's Price Growth Rating (54) in the Miscellaneous Commercial Services industry is in the same range as UPBD (61) in the Finance Or Rental Or Leasing industry. This means that CPAY’s stock grew similarly to UPBD’s over the last 12 months.

CPAY's P/E Growth Rating (39) in the Miscellaneous Commercial Services industry is somewhat better than the same rating for UPBD (98) in the Finance Or Rental Or Leasing industry. This means that CPAY’s stock grew somewhat faster than UPBD’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CPAYUPBD
RSI
ODDS (%)
N/A
N/A
Stochastic
ODDS (%)
Bullish Trend 1 day ago
71%
Bullish Trend 1 day ago
70%
Momentum
ODDS (%)
Bullish Trend 1 day ago
60%
Bearish Trend 1 day ago
77%
MACD
ODDS (%)
Bullish Trend 1 day ago
65%
Bearish Trend 1 day ago
75%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
64%
Bearish Trend 1 day ago
71%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
63%
Bearish Trend 1 day ago
74%
Advances
ODDS (%)
Bullish Trend 7 days ago
64%
Bullish Trend 15 days ago
72%
Declines
ODDS (%)
Bearish Trend 3 days ago
66%
Bearish Trend 6 days ago
70%
BollingerBands
ODDS (%)
N/A
Bullish Trend 1 day ago
74%
Aroon
ODDS (%)
N/A
Bullish Trend 1 day ago
71%
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CPAY
Daily Signalchanged days ago
Gain/Loss if bought
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UPBD
Daily Signalchanged days ago
Gain/Loss if bought
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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.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CPAY
1D Price
Change %
CPAY100%
-0.38%
WEX - CPAY
64%
Loosely correlated
+0.68%
SSNC - CPAY
64%
Loosely correlated
-0.24%
EEFT - CPAY
64%
Loosely correlated
+1.53%
ALIT - CPAY
63%
Loosely correlated
-0.73%
GEHC - CPAY
61%
Loosely correlated
-2.37%
More

UPBD and

Correlation & Price change

A.I.dvisor indicates that over the last year, UPBD has been closely correlated with PRG. These tickers have moved in lockstep 67% of the time. This A.I.-generated data suggests there is a high statistical probability that if UPBD jumps, then PRG could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UPBD
1D Price
Change %
UPBD100%
-3.27%
PRG - UPBD
67%
Closely correlated
-1.33%
ALLY - UPBD
53%
Loosely correlated
-2.58%
OMF - UPBD
52%
Loosely correlated
-1.12%
SYF - UPBD
52%
Loosely correlated
-0.86%
ALIT - UPBD
51%
Loosely correlated
-0.73%
More