WallStSmart

Corpay Inc (CPAY)vsMicrosoft Corporation (MSFT)

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Smart Verdict

WallStSmart Research — data-driven comparison

Microsoft Corporation generates 6928% more annual revenue ($318.27B vs $4.53B). MSFT leads profitability with a 39.3% profit margin vs 23.6%. CPAY appears more attractively valued with a PEG of 0.84. CPAY earns a higher WallStSmart Score of 74/100 (B).

CPAY

Strong Buy

74

out of 100

Grade: B

Growth: 6.7Profit: 8.5Value: 7.3Quality: 4.0
Piotroski: 2/9

MSFT

Strong Buy

72

out of 100

Grade: B

Growth: 8.0Profit: 9.5Value: 4.7Quality: 6.5
Piotroski: 4/9Altman Z: 2.51
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CPAYUndervalued (+22.7%)

Margin of Safety

+22.7%

Fair Value

$448.30

Current Price

$343.99

$104.31 discount

UndervaluedFair: $448.30Overvalued
MSFTSignificantly Overvalued (-75.3%)

Margin of Safety

-75.3%

Fair Value

$240.06

Current Price

$415.12

$175.06 premium

UndervaluedFair: $240.06Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CPAY5 strengths · Avg: 8.8/10
Operating MarginProfitability
57.1%10/10

Strong operational efficiency at 57.1%

Return on EquityProfitability
29.1%9/10

Every $100 of equity generates 29 in profit

Profit MarginProfitability
23.6%9/10

Keeps 24 of every $100 in revenue as profit

PEG RatioValuation
0.848/10

Growing faster than its price suggests

Revenue GrowthGrowth
20.7%8/10

Revenue surging 20.7% year-over-year

MSFT6 strengths · Avg: 9.7/10
Market CapQuality
$3.13T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
34.0%10/10

Every $100 of equity generates 34 in profit

Profit MarginProfitability
39.3%10/10

Keeps 39 of every $100 in revenue as profit

Operating MarginProfitability
46.3%10/10

Strong operational efficiency at 46.3%

Free Cash FlowQuality
$15.80B10/10

Generating 15.8B in free cash flow

Revenue GrowthGrowth
18.3%8/10

18.3% revenue growth

Areas to Watch

CPAY1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

MSFT1 concerns · Avg: 4.0/10
P/E RatioValuation
25.0x4/10

Moderate valuation

Comparative Analysis Report

WallStSmart Research

Bull Case : CPAY

The strongest argument for CPAY centers on Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 23.6% and operating margin at 57.1%. Revenue growth of 20.7% demonstrates continued momentum.

Bull Case : MSFT

The strongest argument for MSFT centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 39.3% and operating margin at 46.3%. Revenue growth of 18.3% demonstrates continued momentum.

Bear Case : CPAY

The primary concerns for CPAY are Piotroski F-Score.

Bear Case : MSFT

The primary concerns for MSFT are P/E Ratio.

Key Dynamics to Monitor

MSFT carries more volatility with a beta of 1.09 — expect wider price swings.

CPAY is growing revenue faster at 20.7% — sustainability is the question.

MSFT generates stronger free cash flow (15.8B), providing more financial flexibility.

Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CPAY scores higher overall (74/100 vs 72/100), backed by strong 23.6% margins and 20.7% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Corpay Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Corpay Inc is a leading provider of integrated payment solutions that streamline corporate payables and receivables across various industries. Leveraging advanced technology and data analytics, the company enables clients to optimize payment processes, enhance cash flow, and improve operational efficiencies. With a comprehensive range of financial services and a strong focus on customer service and regulatory compliance, Corpay is an essential partner for businesses navigating the complexities of global commerce. Its innovative approach to payment automation positions it as a significant player in the rapidly evolving financial technology sector, making it a compelling choice for institutional investors.

Microsoft Corporation

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Microsoft Corporation is an American multinational technology company which produces computer software, consumer electronics, personal computers, and related services. Its best known software products are the Microsoft Windows line of operating systems, the Microsoft Office suite, and the Internet Explorer and Edge web browsers. Its flagship hardware products are the Xbox video game consoles and the Microsoft Surface lineup of touchscreen personal computers. Microsoft ranked No. 21 in the 2020 Fortune 500 rankings of the largest United States corporations by total revenue; it was the world's largest software maker by revenue as of 2016. It is considered one of the Big Five companies in the U.S. information technology industry, along with Google, Apple, Amazon, and Facebook.

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