APPF vs CPAY
AppFolio vs Corpay — AI-powered side-by-side comparison
| Metric | APPF | CPAY |
|---|
| AI Score |
49
|
61
|
| Price |
$222.50
|
$405.37
|
| P/E Ratio |
50.58×
|
24.77×
|
| ROE |
26.0%
|
27.5%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
63.0%
|
73.3%
|
| Debt / Equity |
0.07×
|
3.00×
|
| Dividend Yield |
0.0%
|
0.0%
|
| RSI (14) |
72.5
|
58.7
|
| Beta |
0.811
|
0.869
|
| Expected Upside |
+5.4%
|
—
|
AI Committee View
Current Innellis committee reasoning for APPF versus CPAY.
CPAY leads by 12 points.
CPAY scores 61/100 (Buy) versus APPF at 49/100 (Watch).
APPF Committee View
40% agreement
5 analysts
The committee is genuinely divided. Macro Analyst sees a compelling case. Growth Analyst remains cautious — growth rate is decelerating quarter over quarter -- the trend line matters more than the level. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- RSI at 77 is in overbought territory — Technical
- Weekly RSI at 78 -- overbought on the larger timeframe too — Technical
CPAY Committee View
67% agreement
6 analysts
The primary driver is quarter-over-quarter growth rate is accelerating, not just positive. The main limiting factor is price-to-book of 5.4x prices in significant intangible value. The committee is constructive but not yet at full conviction.
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