CPAY vs VOD vs WSE Stock Comparison

Corpay, Vodafone Group Public and Wise Prices as of Oct 23, 2026 Peers: Industry group
CPAY Corpay, Inc.
$408.52 +3.3% 1M +43.6% 1Y
Market cap
$26.17B
P/E
22.9x
Revenue (TTM)
$5.02B
Div. yield
–
Payment Processing Technology
2 wins
WSE Wise Group plc
$11.07 -2.5% 1M
Market cap
$11.20B
P/E
–
Revenue (TTM)
—
Div. yield
–
Money Transfer Financial Services

Head to Head

6 decided of 12

Vodafone Group Public leads on 4 of the 12 questions below (Vodafone Group Public 4, Corpay 2). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionCPAYVODWSELeader
Larger companyMarket capitalisation $26.17B $37.74B $11.20B VOD
Cheaper on earningsLower P/E, profitable companies only 22.9x -82.2x — –
Cheaper on forward earningsLower price / next fiscal year consensus EPS 15.6x 12.6x 19.8x VOD
Faster revenue growthRevenue growth, trailing twelve months +20.4% — — –
More profitableNet margin, trailing twelve months 22.7% — — –
Better return on capitalReturn on invested capital 10.7% — — –
Less leveragedLower net debt / EBITDA 2.8x — — –
Higher dividend yieldTrailing dividend yield 0.00% 0.00% 0.00% –
Better 1-year returnPrice return, last 12 months +43.6% +35.0% — CPAY
Better 5-year returnAnnualised price return, 5 years +8.1%/yr +0.3%/yr — CPAY
Less volatileAnnualised volatility, 1 year 36.4% 32.1% 44.0% VOD
Higher overall scoreMean of the five percentile scores vs peers 61/100 61/100 — VOD

Percentile Scorecard

CPAYVODWSE

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisCPAYVODWSE
Valuation 56 #44 of 98 81 #10 of 49 –
Growth 59 #39 of 94 – –
Profitability 90 #10 of 90 – –
Financial Health 21 #83 of 105 55 #23 of 50 –
Shareholder Returns 77 #15 of 62 46 #20 of 36 –
Overall 61 61 –
  • CPAY ranked among 109 companies in Fintech
  • VOD ranked among 51 companies in Telecommunications
  • WSE ranked among 1,011 companies in Financial Services

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodCPAYVODWSESPY
1 month +3.3%-3.7%-2.5% -1.0%
3 months +10.3%+3.9%-2.3% +2.9%
6 months +30.6%+0.7%— +6.4%
Year to date +35.8%+19.2%— +11.4%
1 year +43.6%+35.0%— +13.1%
3 years +69.7%+70.2%— +79.4%
3 years, per year +19.3%+19.4%— +21.5%
5 years +47.3%+1.7%— +67.7%
5 years, per year +8.1%+0.3%— +10.9%
10 years +135.2%-43.3%— +255.2%
10 years, per year +8.9%-5.5%— +13.5%

Risk

MeasureCPAYVODWSESPY
Volatility, 1Y 36.4%32.1%44.0% 12.7%
Downside volatility, 1Y 33.9%32.7%48.6% 12.7%
Beta vs S&P 500, 1Y 0.820.500.60 1.00
Return / volatility, 1Y 1.201.09— 1.03
Max drawdown, 5Y -41.6%-57.5%-32.5% -25.4%
From 52-week high -3.9%-10.2%-28.1% -2.5%
52-week high $425.23$17.53$15.40 $779.14
52-week low $255.00$11.20$10.40 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleCPAYVODWSE
P/E now vs peer median 23.5xmedian 21.5x -82.2xmedian 11.6x —median 13.4x
P/S now vs peer median 5.3xmedian 2.2x 0.8xmedian 1.1x —median 3.2x
EV/EBITDA now vs peer median 12.9xmedian 15.7x —median 6.9x —median 5.9x
P/FCF now vs peer median 16.4xmedian 16.4x 3.5xmedian 5.6x 1.8xmedian 11.1x
P/B now vs peer median 7.5xmedian 1.9x 0.7xmedian 1.3x —median 1.2x
PEG now vs peer median 2.03median 1.06 —median 0.24 —median 0.89

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsCPAYVODWSE
Revenue $5.02B – –
Operating income $2.20B – –
Net income $1.15B – –
Free cash flow $1.64B – –
EPS (diluted) $17.20 – –
Cash & equivalents $3.16B $10.31B –
Total debt $39.11B $60.32B –
Shares (diluted) 66.33M 2.40B 1.03B
Enterprise value $16.06B $7.14B $11.20B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricCPAYVODWSE
P/E 23.5x -82.2x –
P/FCF 16.4x 3.5x 1.8x
P/Operating cash flow 14.5x – –
P/S 5.3x 0.8x –
P/B 7.5x 0.7x –
P/Tangible book 40.1x 0.9x –
EV/EBITDA 12.9x – –
EV/EBIT 15.6x – –
EV/Revenue 6.8x – –
EV/FCF 20.9x – –
EV/Operating cash flow 18.6x – –
PEG (3Y EPS CAGR) 2.03 – –

Growth

14 metrics
MetricCPAYVODWSE
Revenue growth (1Y) 20.4% – –
Revenue CAGR (3Y) 11.5% – –
Gross profit growth (1Y) – – –
Gross profit CAGR (3Y) – – –
Operating income growth (1Y) 17.9% – –
Operating income CAGR (3Y) 12.4% – –
Net income growth (1Y) 9.4% – –
Net income CAGR (3Y) 7.4% – –
EPS growth (1Y) 17.0% – –
EPS CAGR (3Y) 11.6% – –
Operating cash flow growth (1Y) -12.7% – –
Operating cash flow CAGR (3Y) 0.6% – –
Free cash flow growth (1Y) -15.0% – –
Free cash flow CAGR (3Y) -0.2% – –

Profitability

14 metrics
MetricCPAYVODWSE
Gross margin – – –
EBITDA margin 53.0% – –
Operating margin 43.7% – –
Pretax margin 33.3% – –
Net margin 22.7% – –
FCF margin 32.6% – –
Operating cash flow margin 36.8% – –
Return on equity 32.2% – –
Return on assets 4.2% – –
Return on invested capital 10.7% – –
Return on capital employed 20.9% – –
Asset turnover 0.2x – –
Cash conversion (OCF / net income) 1.6x – –
Stock comp / revenue 2.3% – –

Financial Health

11 metrics
MetricCPAYVODWSE
Debt / assets 37.6% 40.5% –
Debt / equity 3.0x 1.0x –
Net debt / EBITDA 2.8x – –
Debt / FCF 6.5x – –
Liabilities / assets 87.3% 61.0% –
Equity / assets 12.7% 39.0% –
Interest coverage 5.0x – –
Current ratio 1.0x 0.4x –
Quick ratio 0.5x 0.8x –
Cash ratio 0.2x 0.4x –
Altman Z-score 1.61 – –

Shareholder Returns

7 metrics
MetricCPAYVODWSE
Dividend yield – 3.3% –
Net buyback yield 6.4% – –
Shareholder yield 6.4% 3.3% –
Payout ratio (earnings) – – –
Payout ratio (FCF) – – –
Dividend growth (1Y) – – –
Dividend CAGR (3Y) – – –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusCPAYVODWSE
Forward P/E 15.6xFY2026 12.6xFY2026 19.8xFY2026
EPS, next fiscal year $26.13FY2026 $1.25FY2026 $0.56FY2026
EPS growth, next FY +22.2%FY2026 -0.8%FY2026 +16.7%FY2026
EPS growth, the year after +17.3% +12.8% +19.6%
Revenue, next fiscal year $5.64BFY2026 $53.43BFY2026 $2.83BFY2026
Revenue growth, next FY +25.3%FY2026 +12.5%FY2026 +13.4%FY2026
Revenue growth, the year after +8.1% -3.1% +22.0%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersCPAYVODWSE
Held by institutions 97.9% 7.9% 26.2%
Institutions holding 732 575 214
Change in shares held, QoQ +0.8% -0.8% –
Institutions buying 389 255 214
Institutions selling 240 162 0
Buyers to sellers 1.62 1.57 –

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

CPAYVODWSE
CPAY 1.00 0.11 0.39
VOD 0.11 1.00 0.18
WSE 0.39 0.18 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, CPAY, VOD and WSE?

Vodafone Group Public (VOD) is the largest by market capitalisation: Corpay (CPAY) $26.17B, Vodafone Group Public (VOD) $37.74B, Wise (WSE) $11.20B.

Which stock has performed better?

Over the past year Corpay (CPAY) returned the most: Corpay (CPAY) +43.6%, Vodafone Group Public (VOD) +35.0%. Over five years, Corpay (CPAY) compounded fastest (Corpay (CPAY) +8.1%/yr, Vodafone Group Public (VOD) +0.3%/yr). Returns are price only, before dividends.

Which stock is riskier?

By one-year price volatility, Vodafone Group Public (VOD) has been the steadiest (Corpay (CPAY) 36.4%, Vodafone Group Public (VOD) 32.1%, Wise (WSE) 44.0%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, CPAY, VOD and WSE?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Vodafone Group Public (VOD) leads on 4. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.