COMP <GO>
FISV vs CPAY // EV/EBITDA & P/E VALUATION
Fiserv Inc. (NASDAQ) VS. Corpay Inc. (NYSE) • 15-METRIC TALLY: FISV 6
— CPAY 6
▲ EV/EBITDA & P/E VALUATION LEADER: FISV
LAST: $50.02 (+3.18%) • MKT CAP: $25.78B
valuation
6.5x
LAST: $400.94 (+0.75%) • MKT CAP: $26.13B
valuation
13.4x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FISV VS. CPAY)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FISV | CPAY | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.60% | 23.20% | -13.60 | CPAY | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 6.5x | 13.4x | -6.90 | FISV | /valuation <GO> |
| Free Cash Flow Yield | 16.68% | 4.97% | +11.71 | FISV | /fcf-yield <GO> |
| Operating Margin | 27.50% | 44.00% | -16.50 | CPAY | /operating-margins <GO> |
| Net Profit Margin | 16.40% | 23.60% | -7.20 | CPAY | /net-margins <GO> |
| Revenue Growth (YoY) | 3.60% | 13.90% | -10.30 | CPAY | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 1.27 | 2.19 | -0.92 | CPAY | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | FISV | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.9 | 47.2 | +4.70 | FISV | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 1.11 | +0.05 | FISV | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.9x | 20.5x | -13.60 | FISV | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $25.78B | $26.13B | -$350.5M | CPAY | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FISV REV | CPAY REV | FISV GROSS % | CPAY GROSS % | FISV FCF | CPAY FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $21.19B | $4.53B | — | — | $4.30B | $1.30B |
| FY 2024 | $20.46B | $3.97B | — | — | $5.06B | $1.77B |
| FY 2023 | $19.09B | $3.76B | — | — | $4.30B | $1.93B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FISV // BETA 1.16
CPAY // BETA 1.11