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CPAY or HUBS or PAYC
Which Stock Would AI Choose? Corpay (CPAY) vs. HubSpot (HUBS) vs. Paycom (PAYC) Stock Comparison
Key Takeaways
- CPAY offers stability in corporate payments with a reasonable PE ratio of 20.84 and modest YTD gains of around 4%, bolstered by upcoming earnings and AI innovations.
- HUBS leads YTD performance at over 40% but trades at a premium PE of 279, reflecting growth in CRM amid AI integrations, though longer-term down 61%.
- PAYC shows value with the lowest PE at 16.64, recent monthly gains of 6.8%, and YTD up 15%, driven by HCM leadership recognition.
- Valuation contrasts highlight PAYC and CPAY as relatively cheaper options versus high-growth HUBS.
- All three face earnings catalysts soon, with payments and software sectors showing resilience in recent market activity.
Introduction
This comparison examines CPAY, HUBS, and PAYC, three leaders in payments, CRM, and human capital management software. These stocks appeal to investors navigating SaaS and fintech sectors amid economic shifts, interest rate dynamics, and AI adoption. Traders seeking relative performance insights, valuation trade-offs, and momentum in business software will find value here, particularly with recent earnings anticipation influencing sentiment.
CPAY Overview and Recent Performance
Corpay, Inc. (CPAY) is a payments platform specializing in corporate, vehicle, lodging, and cross-border solutions for businesses. In recent market activity, the stock has delivered steady gains, with YTD performance around 4% and a one-month rise of 3%, trading near $313 within a 52-week range of $253-$362. Sentiment has been supported by anticipation for Q1 2026 earnings on May 7, new AI spend management tools, and sports partnerships enhancing cross-border visibility. These developments underscore resilient demand in B2B payments despite broader market volatility.
HUBS Overview and Recent Performance
HubSpot, Inc. (HUBS) delivers a cloud-based CRM platform encompassing marketing, sales, service, and operations hubs powered by AI tools like Breeze. Recent weeks have seen mixed momentum, with strong YTD gains exceeding 40% but a one-month dip of 2%, positioning shares around $240 in a wide 52-week range of $187-$683. Positive factors include earnings growth expectations and AI enhancements amid SaaS sector rebound, though competitive pressures from frontier AI models have tempered enthusiasm, contributing to longer-term declines.
PAYC Overview and Recent Performance
Paycom Software, Inc. (PAYC) provides SaaS-based human capital management (HCM) solutions, managing the employee lifecycle from recruitment to retirement. The stock has rebounded in recent activity, posting YTD gains of 15% and a one-month increase of 6.8%, trading near $134 within a 52-week range of $105-$268. Key influences include leadership recognition in retail workforce management and upcoming Q1 earnings, fostering improved sentiment after prior slowdowns in demand growth.
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Head-to-Head Comparison
CPAY, HUBS, and PAYC operate in overlapping fintech and SaaS realms but diverge in focus: CPAY emphasizes B2B payments efficiency, HUBS drives customer acquisition via CRM, and PAYC streamlines HR and payroll. Growth drivers include AI integrations across all, but HUBS exhibits highest revenue expansion potential at the cost of volatility. Recent momentum favors PAYC’s rebound, while CPAY provides consistency; risk factors involve HUBS’ elevated valuation sensitivity (PE 279x) versus peers at 21x and 17x. Sector exposure ties to economic cycles, with payments less cyclical than HCM, and market sentiment lifted by earnings outlooks.
Tickeron AI Verdict
Tickeron’s AI currently leans toward CPAY based on trend consistency, balanced valuation, and near-term catalysts like earnings growth projections and AI/product expansions. While PAYC offers value appeal and HUBS growth upside, CPAY’s relative stability positions it favorably in the current environment, though outcomes depend on broader market dynamics.
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
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), and PAYC’s FA Score reflects 2 green FA rating(s).
- CPAY’s FA Score: 1 green, 4 red.
- HUBS’s FA Score: 0 green, 5 red.
- PAYC’s FA Score: 2 green, 3 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 6 TA indicator(s) are bullish while HUBS’s TA Score has 4 bullish TA indicator(s), and PAYC’s TA Score reflects 6 bullish TA indicator(s).
- CPAY’s TA Score: 6 bullish, 4 bearish.
- HUBS’s TA Score: 4 bullish, 5 bearish.
- PAYC’s TA Score: 6 bullish, 3 bearish.
Price Growth
CPAY (@Computer Communications) experienced а -4.58% price change this week, while HUBS (@Packaged Software) price change was +0.53% , and PAYC (@Packaged Software) price fluctuated -0.46% for the same time period.
The average weekly price growth across all stocks in the @Computer Communications industry was -1.90%. For the same industry, the average monthly price growth was +7.61%, and the average quarterly price growth was +10.99%.
The average weekly price growth across all stocks in the @Packaged Software industry was -4.73%. For the same industry, the average monthly price growth was -0.94%, and the average quarterly price growth was +43.76%.
Reported Earning Dates
CPAY is expected to report earnings on Aug 12, 2026.
HUBS is expected to report earnings on Aug 05, 2026.
PAYC is expected to report earnings on Aug 04, 2026.
Industries' Descriptions
@Computer Communications (-1.90% 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 (-4.73% 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 | PAYC | |
| Capitalization | 21.5B | 10.2B | 6.35B |
| EBITDA | 2.56B | 267M | 838M |
| Gain YTD | 9.072 | -50.566 | -14.275 |
| P/E Ratio | 19.65 | 104.41 | 15.77 |
| Revenue | 4.78B | 3.3B | 2.09B |
| Total Cash | 2.54B | 1.69B | 154M |
| Total Debt | 10.4B | 247M | 764M |
CPAY | HUBS | PAYC | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 62 | 71 | 75 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 52 Fair valued | 81 Overvalued | 23 Undervalued | |
PROFIT vs RISK RATING 1..100 | 78 | 100 | 100 | |
SMR RATING 1..100 | 29 | 85 | 25 | |
PRICE GROWTH RATING 1..100 | 53 | 91 | 59 | |
P/E GROWTH RATING 1..100 | 71 | 95 | 95 | |
SEASONALITY SCORE 1..100 | 30 | 50 | 50 |
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.
PAYC's Valuation (23) in the Packaged Software industry is in the same range as CPAY (52) in the Miscellaneous Commercial Services industry, and is somewhat better than the same rating for HUBS (81) in the Information Technology Services industry. This means that PAYC's stock grew similarly to CPAY’s and somewhat faster than HUBS’s over the last 12 months.
CPAY's Profit vs Risk Rating (78) in the Miscellaneous Commercial Services industry is in the same range as PAYC (100) in the Packaged Software industry, and is in the same range as HUBS (100) in the Information Technology Services industry. This means that CPAY's stock grew similarly to PAYC’s and similarly to HUBS’s over the last 12 months.
PAYC's SMR Rating (25) in the Packaged Software industry is in the same range as CPAY (29) in the Miscellaneous Commercial Services industry, and is somewhat better than the same rating for HUBS (85) in the Information Technology Services industry. This means that PAYC's stock grew similarly to CPAY’s and somewhat faster than HUBS’s over the last 12 months.
CPAY's Price Growth Rating (53) in the Miscellaneous Commercial Services industry is in the same range as PAYC (59) in the Packaged Software industry, and is somewhat better than the same rating for HUBS (91) in the Information Technology Services industry. This means that CPAY's stock grew similarly to PAYC’s and somewhat faster than HUBS’s over the last 12 months.
CPAY's P/E Growth Rating (71) in the Miscellaneous Commercial Services industry is in the same range as PAYC (95) in the Packaged Software industry, and is in the same range as HUBS (95) in the Information Technology Services industry. This means that CPAY's stock grew similarly to PAYC’s and similarly to HUBS’s over the last 12 months.
| CPAY | HUBS | PAYC | |
|---|---|---|---|
| RSI ODDS (%) | 2 days ago 78% | 2 days ago 79% | N/A |
| Stochastic ODDS (%) | 2 days ago 67% | 2 days ago 75% | 2 days ago 73% |
| Momentum ODDS (%) | 2 days ago 63% | 2 days ago 69% | 2 days ago 63% |
| MACD ODDS (%) | 2 days ago 72% | 2 days ago 71% | 2 days ago 57% |
| TrendWeek ODDS (%) | 2 days ago 65% | 2 days ago 76% | 2 days ago 72% |
| TrendMonth ODDS (%) | 2 days ago 66% | 2 days ago 78% | 2 days ago 69% |
| Advances ODDS (%) | 9 days ago 63% | 2 days ago 74% | 13 days ago 65% |
| Declines ODDS (%) | 2 days ago 68% | 4 days ago 71% | 3 days ago 73% |
| BollingerBands ODDS (%) | 2 days ago 68% | 2 days ago 79% | 2 days ago 87% |
| Aroon ODDS (%) | 2 days ago 65% | 2 days ago 74% | 2 days ago 61% |
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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 75% 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% | +8.13% | ||
| CRM - HUBS | 75% Closely correlated | +3.54% | ||
| TEAM - HUBS | 74% Closely correlated | +8.16% | ||
| NOW - HUBS | 66% Closely correlated | +5.05% | ||
| S - HUBS | 66% Loosely correlated | +2.12% | ||
| CLSK - HUBS | 65% Loosely correlated | -6.15% | ||
More | ||||
PAYC and
Correlation & Price change
A.I.dvisor indicates that over the last year, PAYC has been closely correlated with PCTY. These tickers have moved in lockstep 72% of the time. This A.I.-generated data suggests there is a high statistical probability that if PAYC jumps, then PCTY could also see price increases.
| Ticker / NAME | Correlation To PAYC | 1D Price Change % | ||
|---|---|---|---|---|
| PAYC | 100% | +1.97% | ||
| PCTY - PAYC | 72% Closely correlated | +3.07% | ||
| PAYX - PAYC | 69% Closely correlated | +3.05% | ||
| GEN - PAYC | 67% Closely correlated | +1.16% | ||
| ADP - PAYC | 65% Loosely correlated | +2.93% | ||
| CLSK - PAYC | 62% Loosely correlated | -6.15% | ||
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