CPAY vs Z
Head-to-Head Stock Analysis & Investment Rating
Last Updated: Nov 12, 2026
CPAY
34.4
AI Score
VS
Z Wins
Z
46.0
AI Score
Investment Advisor Scores
Z
46score
Recommendation
HOLD
AI Analyst Insights
AI insights temporarily unavailable
Detailed Metrics Comparison
| Metric | CPAY | Z | Winner |
|---|---|---|---|
| Revenue | 585.50M | 2.20B | Z |
| Net Income | 174.94M | -116.00M | CPAY |
| Net Margin | 29.9% | -5.3% | CPAY |
| Operating Income | 260.09M | -135.00M | CPAY |
| ROE | 4.5% | -2.7% | CPAY |
| ROA | 1.5% | -2.2% | CPAY |
| Total Assets | 11.69B | 5.33B | CPAY |
| Cash | 979.57M | 602.00M | CPAY |
| Current Ratio | 0.91 | 1.76 | Z |
| Free Cash Flow | 185.49M | 269.00M | Z |
Relative Price Performance (Last 90 Days)
CPAY 1M: +17.0%
· 3M: +10.1%
Z 1M: +3.1%
· 3M: -16.0%
Current Technical Phase
CPAY
MarkupHold / add on dips
Price above SMA50, rising 50-day trend (1.2% over 20 days), RSI 76
Z
NeutralHold
Mixed signals - no dominant trend phase, RSI 45
Fundamentals Snapshot
| Metric | CPAY | Z |
|---|---|---|
| Market Cap | — | — |
| Forward P/E | 14.5 | 13.0 |
| Trailing P/E | 25.3 | — |
| Revenue (TTM) | — | — |
| Revenue Growth | 0.2% | 0.1% |
| Gross Margin | 0.8% | 0.7% |
| Operating Margin | 0.5% | 0.1% |
| EPS | 18.19 | -0.50 |
| Dividend Yield | — | — |
Frequently Asked Questions
Based on our detailed analysis, Z is currently the stronger investment candidate, winning 3 of the key financial metrics based on our comprehensive scoring model.
We analyze revenue and earnings growth rates in the "Growth" section above. Generally, the company with higher year-over-year revenue and EPS growth is fostering better expansion. Check the table above for the specific growth percentages.
Valuation is determined by metrics like the P/E Ratio and PEG Ratio. A lower P/E typically suggests a stock is cheaper relative to its earnings. Refer to the "Valuation" section in our comparison table to see which stock currently trades at a more attractive multiple.