CPAY vs GEN
Corpay vs Gen Digital — AI-powered side-by-side comparison
| Metric | CPAY | GEN |
|---|
| AI Score |
61
|
63
|
| Price |
$412.71
|
$29.32
|
| P/E Ratio |
24.86×
|
16.73×
|
| ROE |
27.5%
|
37.3%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
73.3%
|
78.0%
|
| Debt / Equity |
3.00×
|
3.08×
|
| Dividend Yield |
0.0%
|
1.7%
|
| RSI (14) |
61.0
|
62.8
|
| Beta |
0.869
|
1.201
|
| Expected Upside |
—
|
+2.3%
|
AI Committee View
Current Innellis committee reasoning for CPAY versus GEN.
GEN leads by 2 points.
GEN scores 63/100 (Buy) versus CPAY at 61/100 (Buy).
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
GEN Committee View
67% agreement
6 analysts
The primary driver is news sentiment is positive (+0.75 across 4 articles, 14d). The main limiting factor is price-to-book of 4.4x prices in significant intangible value. The committee is constructive but not yet at full conviction.
Bull Case
- ROE of 41.9% shows genuine earnings power backing the valuation — Value
- EPS growing 79.7% YoY — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
Bear Case
- Price-to-book of 4.4x prices in significant intangible value — Value
- Debt-to-equity of 3.14 adds balance-sheet risk to the value case — Value
- MACD histogram negative -- bearish momentum — Technical