CPAY vs XYZ

	CPAY Corpay, Inc.	XYZ Block, Inc.
Price	$415.01	$79.02
Sector	Financials	Financials
X-Ray Score	55	45
Valuation	63	26
Growth	65	54
Profitability	67	42
Financial health	22	61
Dividends	–	–
Fair value	$518	$72
Verdict	Undervalued +25%	Fair -9%
Revenue (TTM)	$5.0B	$25.0B
Operating margin	43.7%	4.7%
Return on capital	9.9%	3.8%
Revenue growth (3y)	9.7%	11.3%
Free-cash-flow yield	6.0%	8.1%
Net debt / EBITDA	4.5×	-0.5×
Dividend yield	None	None

Scores and fair values are model estimates from SEC filings, ranked within each company's own sector, so scores of companies in different sectors are not directly comparable. Educational only, not financial advice.