CPAY
Corpay, Inc.
CPAY has a slight edge over INTC overall, supported by lower modeled downside.
INTC
Intel Corporation
INTC offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
CPAY Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Strong | |
| Stable |
CPAY's revenue, profitability and cash flow are currently healthy, and its balance sheet is stable.
INTC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Under pressure | |
| Healthy | |
| Healthy |
INTC's revenue, cash flow and balance sheet are currently healthy, but its profitability is under pressure.
CPAY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 15x | $456 | — |
| Cheap | 19x | $352 | -23% |
| Fair | 23x | $413 | -9.5% |
| Current | 25x | $456 | — |
| Expensive | 28x | $518 | +14% |
Historical ranges are pointers, not guarantees.
CPAY's PE is in its expensive range at 25x. If earnings grow as analysts expect, today's price would be 15x next year's earnings, in its cheap range.
INTC PE Valuation
INTC has no meaningful PE right now: it lost money over the past year.
CPAY Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CPAY, with profitability improving.
INTC Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Broad | |
| Low |
Analysts expect earnings and revenue growth for INTC, with profitability improving. However, they disagree widely on these estimates.
CPAY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $31.05 | +71% |
| Q3 2026 | $18.17 | +23% |
| Q2 2026 | $16.42 | +12% |
| Q1 2026 | $16.70 | +17% |
| Q4 2025 | $15.03 | +7.6% |
| Q3 2025 | $14.72 | +5% |
| Q2 2025 | $14.71 | +6.9% |
| Q1 2025 | $14.25 | +6% |
| Q4 2024 | $13.97 | +5.8% |
CPAY has the edge over INTC on earnings quality, reporting a profit while its opponent remains loss making.
INTC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.41 | — |
| Q3 2026 | -$2.39 | -24000% |
| Q2 2026 | -$2.09 | +$2.68 |
| Q1 2026 | -$0.60 | +$3.88 |
| Q4 2025 | -$0.06 | +$4.32 |
| Q3 2025 | $0.01 | +$3.72 |
| Q2 2025 | -$4.77 | -2088% |
| Q1 2025 | -$4.48 | -562% |
| Q4 2024 | -$4.38 | -1195% |
INTC has swung to a loss: it lost $2.39 per share over the past year, after a profit the year before.
CPAY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +18% |
| Q2 2026 | $1.3B | +21% |
| Q1 2026 | $1.3B | +25% |
| Q4 2025 | $1.2B | +21% |
| Q3 2025 | $1.2B | +14% |
| Q2 2025 | $1.1B | +13% |
| Q1 2025 | $1B | +7.5% |
| Q4 2024 | $1B | +10% |
CPAY has the edge over INTC on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 45% | +0.3 points |
| Q2 2026 | 35% | -8.2 points |
| Q1 2026 | 50% | +8 points |
| Q4 2025 | 45% | -2 points |
| Q3 2025 | 45% | -0.9 points |
| Q2 2025 | 44% | -0.9 points |
| Q1 2025 | 42% | 0 points |
| Q4 2024 | 47% | +2 points |
CPAY has the edge over INTC on profitability, with a higher operating margin.
INTC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $16.5B | +21% |
| Q2 2026 | $16.1B | +25% |
| Q1 2026 | $13.6B | +7.2% |
| Q4 2025 | $13.7B | -4.1% |
| Q3 2025 | $13.7B | +2.8% |
| Q2 2025 | $12.9B | +0.2% |
| Q1 2025 | $12.7B | -0.4% |
| Q4 2024 | $14.3B | -7.4% |
INTC's revenue is recovering but still below its 2021 peak: $16.5B last quarter, up 21% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 15% | +10 points |
| Q2 2026 | 11% | +36 points |
| Q1 2026 | -23% | -21 points |
| Q4 2025 | 4.2% | +1.4 points |
| Q3 2025 | 5% | +73 points |
| Q2 2025 | -25% | -9.4 points |
| Q1 2025 | -2.4% | +6 points |
| Q4 2024 | 2.9% | -14 points |
INTC's operating margin was 15% last quarter, up 10 points from the same quarter a year ago.
CPAY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$735M | -$305.2M |
| Q2 2026 | $1.4B | +30% |
| Q1 2026 | -$107.7M | +$11.2M |
| Q4 2025 | $760.3M | +26% |
| Q3 2025 | -$429.8M | -221% |
| Q2 2025 | $1.1B | +119% |
| Q1 2025 | -$118.9M | -138% |
| Q4 2024 | $604.6M | -11% |
CPAY usually generates cash, though not every quarter: the latest was −$735M, but it generated $1.3B over the past year.
INTC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.1B | +774% |
| Q2 2026 | $4.5B | +$6B |
| Q1 2026 | -$2.5B | +$1.8B |
| Q4 2025 | $800M | +$3.5B |
| Q3 2025 | $121M | +$2.5B |
| Q2 2025 | -$1.5B | +$1.9B |
| Q1 2025 | -$4.4B | +$2.8B |
| Q4 2024 | -$2.7B | -$597M |
INTC has the edge over CPAY on cash flow, with more consistent year-over-year improvement.
CPAY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +60K shares |
| 1 year | -6.7% | -4.7M shares |
| 3 years | -11% | -8.2M shares |
| 5 years | -21% | -17.3M shares |
| Available history | -27% | -24M shares |
CPAY has the edge over INTC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $706.5M |
| Q2 2026 | $326.6M |
| Q1 2026 | $786M |
| Q4 2025 | $500.2M |
| Q3 2025 | $191.7M |
| Q2 2025 | $32.2M |
| Q1 2025 | $58.7M |
| Q4 2024 | $248.8M |
CPAY spent $2.3B buying back its own shares over the past year, about four times what it spent the year before.
INTC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +4% | +203M shares |
| 1 year | +17% | +776M shares |
| 3 years | +25% | +1.1B shares |
| 5 years | +30% | +1.2B shares |
| Available history | +19% | +834M shares |
INTC has 5.3B diluted shares, up 17% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | $114M |
| Q1 2021 | $2.3B |
CPAY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 3.0x | Moderate |
| Q2 2026 | 2.8x | Moderate |
| Q1 2026 | 3.0x | Moderate |
| Q4 2025 | 3.2x | Elevated |
| Q3 2025 | 2.7x | Moderate |
| Q2 2025 | 2.7x | Moderate |
| Q1 2025 | 3.0x | Elevated |
| Q4 2024 | 3.0x | Elevated |
CPAY's net debt is about 3.0 years of its operating earnings (EBITDA), up from 2.7 years a year ago.
INTC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.0x | Healthy |
| Q2 2026 | 3.1x | Elevated |
| Q1 2026 | 3.9x | Elevated |
| Q4 2025 | 3.4x | Elevated |
| Q3 2025 | 4.0x | Elevated |
| Q1 2025 | 69.6x | High |
| Q3 2024 | 23.8x | High |
| Q2 2024 | 4.3x | High |
INTC has the edge over CPAY on leverage, with a lower net debt burden relative to earnings.
CPAY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 72.0 | Overbought |
| Stochastic | 66.5 | Neutral |
CPAY's weekly RSI is 72 (overbought) and its Stochastic is 67 (neutral).
INTC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.1 | Neutral |
| Stochastic | 7.7 | Oversold |
INTC's weekly RSI is 38 (neutral) and its Stochastic is 8 (oversold).
CPAY PE vs Technology Sector
| Metric | CPAY | Sector median | Relative |
|---|---|---|---|
| PE | 25x | 28x | 9.9% below |
| PE % | 70 | 35 | 35 pts above |
CPAY is trading at 25x earnings, in line with the Technology sector's median of 28x.
INTC PE vs Technology Sector
| Metric | INTC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 28x | — |
INTC has no meaningful PE right now: it lost money over the past year.
CPAY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $413.9 | 10% above |
| 20 week MA | $399.7 | 14% above |
| 50 week MA | $354.3 | 29% above |
| 100 week MA | $339.4 | 34% above |
| 200 week MA | $304.8 | 50% above |
CPAY has the edge over INTC on trend strength, trading above more of its moving averages.
INTC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $88.4 | 31% below |
| 20 week MA | $95.3 | 36% below |
| 50 week MA | $79.3 | 23% below |
| 100 week MA | $52.1 | 18% above |
| 200 week MA | $42.5 | 44% above |
INTC has pulled back, but its long-term trend is still up: it's below its 8-, 20- and 50-week averages, but 44% above its 200-week average.
CPAY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $285.8 | $270.5 | -5.4% |
| 2021 | $270.5 | $223.7 | -17% |
| 2022 | $223.7 | $181.2 | -19% |
| 2023 | $181.2 | $282.6 | +56% |
| 2024 | $282.6 | $341.2 | +21% |
| 2025 | $341.2 | $310.2 | -9.1% |
| 2026 YTD | $310.2 | $456.0 | +47% |
CPAY is up 47% so far in 2026, after finishing lower in four of the previous six years.
INTC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $60.1 | $47.1 | -22% |
| 2021 | $47.1 | $51.3 | +9% |
| 2022 | $51.3 | $26.1 | -49% |
| 2023 | $26.1 | $50.3 | +93% |
| 2024 | $50.3 | $20.3 | -60% |
| 2025 | $20.3 | $36.2 | +78% |
| 2026 YTD | $36.2 | $61.2 | +69% |
INTC has the edge over CPAY on returns for 2026, with the stronger performance.