CPAY vs SITM
Corpay vs SiTime — AI-powered side-by-side comparison
| Metric | CPAY | SITM |
|---|
| AI Score |
59
|
61
|
| Price |
$414.06
|
$580.69
|
| P/E Ratio |
25.05×
|
1160.06×
|
| ROE |
27.5%
|
-3.7%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
73.3%
|
58.7%
|
| Debt / Equity |
3.00×
|
1.29×
|
| Dividend Yield |
0.0%
|
0.0%
|
| RSI (14) |
67.0
|
43.8
|
| Beta |
0.869
|
2.865
|
| Expected Upside |
—
|
+46.6%
|
AI Committee View
Current Innellis committee reasoning for CPAY versus SITM.
SITM leads by 2 points.
SITM scores 61/100 (Buy) versus CPAY at 59/100 (Buy).
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
SITM Committee View
50% agreement
6 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 83.0% yoy -- genuine top-line momentum. Value Analyst remains cautious — p/e of 1471.4 is expensive by classic value standards. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- Revenue growing 83.0% YoY -- genuine top-line momentum — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- P/E of 1471.4 is expensive by classic value standards — Value
- Price-to-book of 8.0x prices in significant intangible value — Value
- ROE of only 1.3% -- cheap may mean cheap for a reason — Value