Advertisement
CPAY or EVCM or HQY
Which Stock Would AI Choose? Corpay, Inc. (CPAY) vs. EverCommerce Inc. (EVCM) vs. HealthEquity, Inc. (HQY) Stock Comparison
Key Takeaways
- CPAY delivered robust Q1 revenue growth of approximately 25% year-over-year, supported by corporate payments expansion and an expanded share repurchase authorization.
- EVCM reported modest Q1 revenue growth of 3.6% year-over-year alongside earnings beats and continued investment in AI-driven service commerce solutions for small and medium-sized businesses.
- HQY posted strong prior-quarter results with significant net income gains and maintains a leading position in health savings account (HSA) administration amid steady healthcare sector demand.
- Relative performance shows CPAY with more pronounced recent momentum compared to the steadier but lower-growth trajectories of EVCM and HQY.
- Sector exposures differ markedly: payments and spend management for CPAY, vertical SaaS for service SMBs at EVCM, and healthcare financial services for HQY.
- Valuation sensitivity varies, with CPAY reflecting premium pricing on growth execution while EVCM and HQY trade at comparatively moderate multiples.
Introduction
This comparison examines three publicly traded companies—CPAY, EVCM, and HQY—operating in adjacent yet distinct segments of financial technology and services. Investors and traders seeking exposure to digital payments, vertical software solutions, and healthcare account management may find this analysis useful for evaluating relative positioning, recent operational trends, and market sentiment across these names in the current environment.
CPAY Overview and Recent Performance
Corpay, Inc. provides corporate payments and spend management solutions, including accounts payable automation, commercial cards, vehicle payments, and cross-border services. In recent market activity, the stock has reflected positive sentiment following the company’s Q1 results, which featured approximately 25% year-over-year revenue growth driven by the Corporate Payments segment. Management raised full-year guidance and expanded its share repurchase program, contributing to constructive investor response amid broader payments sector dynamics.
EVCM Overview and Recent Performance
EverCommerce Inc. delivers integrated software-as-a-service (SaaS) platforms tailored for service-based small and medium-sized businesses, spanning home services, health services, and wellness sectors with tools for dispatching, billing, payments, and customer engagement. Recent performance has been shaped by Q1 results showing 3.6% year-over-year revenue growth alongside earnings beats and ongoing AI enhancements, supporting a measured but positive market tone for the name.
HQY Overview and Recent Performance
HealthEquity, Inc. operates technology-enabled platforms that help consumers and employers manage health savings accounts (HSAs), flexible spending accounts, and related healthcare spending solutions. Recent market activity has been influenced by solid prior-quarter results featuring substantial net income growth and continued leadership in the HSA market, with upcoming quarterly updates expected to provide further visibility into operational trends.
Trending AI Robots
Tickeron’s Trending AI Robots page showcases a curated selection of high-performing AI trading bots from a library of hundreds that collectively trade thousands of different tickers. Only those demonstrating the strongest alignment with prevailing market conditions earn placement in this section. Available bots span a wide range of trading styles, strategies, timeframes, and performance statistics, with many reporting win rates between 55% and 75% and varying risk-reward profiles depending on the underlying approach. This resource offers traders a data-driven way to explore automated strategies suited to individual preferences and current conditions.
Head-to-Head Comparison
Business models differ substantially: CPAY focuses on enterprise-level payments infrastructure with scale advantages in transaction volume, while EVCM targets niche vertical SaaS penetration among smaller service businesses and HQY emphasizes specialized healthcare financial administration. Growth drivers include payments expansion and buybacks at CPAY, AI feature adoption at EVCM, and HSA asset accumulation at HQY. Recent momentum has favored CPAY on stronger top-line acceleration, whereas EVCM and HQY have exhibited more moderate but consistent operational delivery. Risk factors encompass macroeconomic sensitivity to corporate spending for CPAY, competition in fragmented SaaS markets for EVCM, and regulatory or reimbursement shifts in healthcare for HQY. Valuation sensitivity appears highest for CPAY given its premium positioning, with EVCM and HQY offering potentially lower entry points relative to growth trajectories.
Tickeron AI Verdict
Based on observable factors such as trend consistency, earnings delivery, and relative positioning, Tickeron’s AI models currently assign a probabilistic preference toward CPAY for its demonstrated revenue acceleration and capital return program, while noting that EVCM and HQY maintain competitive profiles within their respective niches depending on investor risk tolerance and sector outlook.
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.
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 whileEVCM’s FA Score has 0 green FA rating(s), and HQY’s FA Score reflects 0 green FA rating(s).
- CPAY’s FA Score: 1 green, 4 red.
- EVCM’s FA Score: 0 green, 5 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 EVCM’s TA Score has 3 bullish TA indicator(s), and HQY’s TA Score reflects 4 bullish TA indicator(s).
- CPAY’s TA Score: 4 bullish, 4 bearish.
- EVCM’s TA Score: 3 bullish, 6 bearish.
- HQY’s TA Score: 4 bullish, 4 bearish.
Price Growth
CPAY (@Computer Communications) experienced а -5.83% price change this week, while EVCM (@Packaged Software) price change was -2.11% , and HQY (@Services to the Health Industry) price fluctuated -1.54% for the same time period.
The average weekly price growth across all stocks in the @Computer Communications industry was -2.06%. For the same industry, the average monthly price growth was -1.40%, and the average quarterly price growth was +11.82%.
The average weekly price growth across all stocks in the @Packaged Software industry was -1.94%. For the same industry, the average monthly price growth was -4.76%, and the average quarterly price growth was +12.66%.
The average weekly price growth across all stocks in the @Services to the Health Industry industry was -0.51%. For the same industry, the average monthly price growth was +0.03%, and the average quarterly price growth was -10.86%.
Reported Earning Dates
CPAY is expected to report earnings on Aug 12, 2026.
EVCM is expected to report earnings on Aug 10, 2026.
HQY is expected to report earnings on Sep 08, 2026.
Industries' Descriptions
@Computer Communications (-2.06% 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 (-1.94% 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.
@Services to the Health Industry (-0.51% 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 | EVCM | HQY | |
| Capitalization | 22.5B | 1.56B | 7.11B |
| EBITDA | 2.56B | 123M | 508M |
| Gain YTD | 14.399 | -27.333 | -7.215 |
| P/E Ratio | 20.79 | 67.00 | 31.69 |
| Revenue | 4.78B | 594M | 1.34B |
| Total Cash | 2.54B | 129M | 265M |
| Total Debt | 10.4B | 522M | 985M |
CPAY | HQY | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 13 | 59 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 46 Fair valued | 73 Overvalued | |
PROFIT vs RISK RATING 1..100 | 68 | 91 | |
SMR RATING 1..100 | 30 | 68 | |
PRICE GROWTH RATING 1..100 | 49 | 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 (46) 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 (68) in the Miscellaneous Commercial Services industry is in the same range as HQY (91) 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 (49) 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 | EVCM | HQY | |
|---|---|---|---|
| RSI ODDS (%) | 1 day ago 71% | 1 day ago 86% | N/A |
| Stochastic ODDS (%) | 1 day ago 62% | 1 day ago 81% | 1 day ago 75% |
| Momentum ODDS (%) | 1 day ago 66% | 1 day ago 78% | 1 day ago 65% |
| MACD ODDS (%) | 1 day ago 61% | 1 day ago 76% | 1 day ago 65% |
| TrendWeek ODDS (%) | 1 day ago 63% | 1 day ago 81% | 1 day ago 64% |
| TrendMonth ODDS (%) | 1 day ago 60% | 1 day ago 77% | 1 day ago 64% |
| Advances ODDS (%) | 13 days ago 65% | 14 days ago 72% | 1 day ago 74% |
| Declines ODDS (%) | 7 days ago 66% | 10 days ago 81% | 3 days ago 64% |
| BollingerBands ODDS (%) | 1 day ago 67% | N/A | 2 days ago 73% |
| Aroon ODDS (%) | 1 day ago 65% | 1 day ago 85% | 1 day ago 62% |
Advertisement
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% | +1.44% | ||
| WEX - CPAY | 64% Loosely correlated | +3.23% | ||
| HUBS - CPAY | 63% Loosely correlated | +4.29% | ||
| SSNC - CPAY | 63% Loosely correlated | -0.32% | ||
| ADSK - CPAY | 62% Loosely correlated | +2.03% | ||
| CRM - CPAY | 61% Loosely correlated | -0.43% | ||
More | ||||
EVCM and
Correlation & Price change
A.I.dvisor indicates that over the last year, EVCM has been loosely correlated with CXM. These tickers have moved in lockstep 56% of the time. This A.I.-generated data suggests there is some statistical probability that if EVCM jumps, then CXM could also see price increases.
| Ticker / NAME | Correlation To EVCM | 1D Price Change % | ||
|---|---|---|---|---|
| EVCM | 100% | -0.23% | ||
| CXM - EVCM | 56% Loosely correlated | +0.80% | ||
| NOW - EVCM | 55% Loosely correlated | -2.23% | ||
| LYFT - EVCM | 53% Loosely correlated | +4.34% | ||
| PLUS - EVCM | 52% Loosely correlated | +2.03% | ||
| INTA - EVCM | 52% Loosely correlated | +3.44% | ||
More | ||||
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% | +0.09% | ||
| EVCM - HQY | 47% Loosely correlated | -0.23% | ||
| CPAY - HQY | 46% Loosely correlated | +1.44% | ||
| HUBS - HQY | 46% Loosely correlated | +4.29% | ||
| ALKT - HQY | 43% Loosely correlated | +6.11% | ||
| PCOR - HQY | 43% Loosely correlated | +0.18% | ||
More | ||||