CPAY vs SMTC
Corpay vs Semtech — AI-powered side-by-side comparison
| Metric | CPAY | SMTC |
|---|
| AI Score |
59
|
53
|
| Price |
$417.63
|
$124.13
|
| P/E Ratio |
25.05×
|
-333.04×
|
| ROE |
27.5%
|
-7.3%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
73.3%
|
51.5%
|
| Debt / Equity |
3.00×
|
0.86×
|
| Dividend Yield |
0.0%
|
0.0%
|
| RSI (14) |
67.0
|
42.3
|
| Beta |
0.869
|
2.345
|
| Expected Upside |
—
|
+42.8%
|
AI Committee View
Current Innellis committee reasoning for CPAY versus SMTC.
CPAY leads by 6 points.
CPAY scores 59/100 (Buy) versus SMTC at 53/100 (Watch).
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
SMTC Committee View
50% agreement
6 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — quarter-over-quarter growth rate is accelerating, not just positive. Value Analyst remains cautious — price-to-book of 13.7x prices in significant intangible value. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- News sentiment is positive (+0.20 across 27 articles, 14d) — News
Bear Case
- Price-to-book of 13.7x prices in significant intangible value — Value
- ROE of only -5.9% -- cheap may mean cheap for a reason — Value
- MACD histogram negative -- bearish momentum — Technical