CPAY vs DBX
Corpay vs Dropbox — AI-powered side-by-side comparison
| Metric | CPAY | DBX |
|---|
| AI Score |
61
|
48
|
| Price |
$412.71
|
$34.75
|
| P/E Ratio |
24.86×
|
19.16×
|
| ROE |
27.5%
|
-28.3%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
73.3%
|
79.7%
|
| Debt / Equity |
3.00×
|
-1.82×
|
| Dividend Yield |
0.0%
|
0.0%
|
| RSI (14) |
61.0
|
61.4
|
| Beta |
0.869
|
0.64
|
| Expected Upside |
—
|
—
|
AI Committee View
Current Innellis committee reasoning for CPAY versus DBX.
CPAY leads by 13 points.
CPAY scores 61/100 (Buy) versus DBX at 48/100 (Watch).
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
DBX Committee View
50% agreement
6 analysts
The committee is genuinely divided. Macro Analyst sees a compelling case. Growth Analyst remains cautious — revenue declining -0.1% yoy -- this is not a growth story right now. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- Price structure making higher highs and higher lows — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- News sentiment is positive (+0.20 across 15 articles, 14d) — News
Bear Case
- Price-to-book of 27.5x prices in significant intangible value — Value
- ROE of only -36.8% -- cheap may mean cheap for a reason — Value
- Revenue declining -0.1% YoY -- this is not a growth story right now — Growth