APP vs CPAY
AppLovin vs Corpay — AI-powered side-by-side comparison
| Metric | APP | CPAY |
|---|
| AI Score |
52
|
59
|
| Price |
$305.99
|
$417.63
|
| P/E Ratio |
23.39×
|
25.05×
|
| ROE |
156.2%
|
27.5%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
88.5%
|
73.3%
|
| Debt / Equity |
1.11×
|
3.00×
|
| Dividend Yield |
0.0%
|
0.0%
|
| RSI (14) |
26.5
|
67.0
|
| Beta |
2.529
|
0.869
|
| Expected Upside |
+36.4%
|
—
|
AI Committee View
Current Innellis committee reasoning for APP versus CPAY.
CPAY leads by 7 points.
CPAY scores 59/100 (Buy) versus APP at 52/100 (Watch).
APP Committee View
50% agreement
6 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 60.6% yoy -- genuine top-line momentum. Technical Analyst remains cautious — price structure making lower highs and lower lows. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- ROE of 193.1% shows genuine earnings power backing the valuation — Value
- Revenue growing 60.6% YoY -- genuine top-line momentum — Growth
- EPS growing 84.7% YoY — Growth
Bear Case
- Price-to-book of 106.7x prices in significant intangible value — Value
- Debt-to-equity of 1.70 adds balance-sheet risk to the value case — Value
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
CPAY Committee View
67% agreement
6 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — quarter-over-quarter growth rate is accelerating, not just positive. Risk Analyst remains cautious — high leverage (debt-to-equity 2.58) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- ROE of 30.4% shows genuine earnings power backing the valuation — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- Price-to-book of 5.4x prices in significant intangible value — Value
- Debt-to-equity of 2.58 adds balance-sheet risk to the value case — Value
- MACD histogram negative -- bearish momentum — Technical