Which has the lower trailing P/E, CPAY or FICO?

CPAY has the lower trailing P/E: CPAY trades at 23.35 and FICO at 32.92. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, CPAY or FICO?

Over the past five years, CPAY grew revenue faster — CPAY at a 15.41% CAGR versus FICO at 12.03%.

Is CPAY or FICO more profitable?

FICO runs the higher net margin — CPAY at 24.60% versus FICO at 34.05%.

How have CPAY and FICO total returns compared?

Over the past 10 years, CPAY delivered 9.91% and FICO delivered 24.57% annualized total return. Past performance doesn't predict future results.

Corpay, Inc. (CPAY) vs Fair Isaac Corporation (FICO)

A side-by-side comparison of Corpay, Inc. and Fair Isaac Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of July 30, 2026. Differences are shown without an overall score or investment verdict.

CPAY

Corpay, Inc.

$25.50B

$390.12TechnologyDelayed quote: Jul 30, 2026, 4:00 PM EDT

FICO

Fair Isaac Corporation

$26.43B

$1,139.54TechnologyDelayed quote: Jul 30, 2026, 4:00 PM EDT

Total return — CPAY vs FICO

growth of $100 · dividends reinvested · last 16y

CPAY +1331.6%FICO +4669.2%FICO compounded faster

CPAY FICO

CPAY vs FICO: by the numbers

•FICO is the larger company ($26.43B vs $25.50B market cap).
•CPAY trades at the lower trailing earnings multiple (23.35 vs 32.92 P/E), one valuation lens rather than an overall verdict.
•FICO converts more revenue to profit (34.05% vs 24.60% net margin).
•CPAY grew revenue faster over the past five years (15.41% vs 12.03% CAGR).

Metrics side by side

Valuation

Metric	CPAY	FICO
P/E ratio	23.35	32.92
Forward P/E	14.58	26.45
P/S ratio	5.58	10.81
P/B ratio	7.61	N/A
PEG ratio	2.87	1.89
EV / EBITDA	11.42	25.01
FCF yield	4.91%	3.85%

Profitability

Metric	CPAY	FICO
Gross margin	72.79%	85.10%
Operating margin	42.99%	51.65%
Net margin	24.60%	34.05%
ROE	33.52%	-37.34%
ROIC	8.76%	52.96%

Growth (annualized)

Metric	CPAY	FICO
Revenue CAGR (5Y)	15.41%	12.03%
EPS CAGR (5Y)	12.72%	27.04%
FCF CAGR (5Y)	-1.40%	16.63%
Total return CAGR (5Y)	8.60%	16.82%

Frequently asked

Which has the lower trailing P/E, CPAY or FICO?: CPAY has the lower trailing P/E: CPAY trades at 23.35 and FICO at 32.92. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, CPAY or FICO?: Over the past five years, CPAY grew revenue faster — CPAY at a 15.41% CAGR versus FICO at 12.03%.
Is CPAY or FICO more profitable?: FICO runs the higher net margin — CPAY at 24.60% versus FICO at 34.05%.
How have CPAY and FICO total returns compared?: Over the past 10 years, CPAY delivered 9.91% and FICO delivered 24.57% annualized total return. Past performance doesn't predict future results.

Go deeper

Full CPAY analysis Full FICO analysis Interactive comparison tool

Dig into the metrics

Corpay P/E ratio Fair Isaac P/E ratio Corpay dividend yield Fair Isaac dividend yield Corpay ROE Fair Isaac ROE Corpay operating margin Fair Isaac operating margin Corpay revenue growth Fair Isaac revenue growth Corpay free cash flow Fair Isaac free cash flow

Corpay & Fair Isaac appear in these rankings

Fastest Revenue Growth Stocks Highest ROE Stocks Highest ROIC Stocks Highest Operating Margin Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified July 30, 2026.