BAC vs CPAY Stock Comparison
CPAY currently leads BAC in this stock comparison, with AIQ scores of 57 vs 47. The clearest difference is momentum.
What is the main difference between BAC and CPAY?
CPAY leads the current stock comparison as Corpay, Inc., with the clearest separation coming from momentum and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Bank of America Corporation vs Corpay, Inc.
CPAY leads
CPAY leads by 10 AIQ points, primarily on Momentum and Quality, but the lead has narrowed from 18 points over 30 sessions. Wall Street currently favors BAC on target upside.
Fragile: 4 of 6 evidence groups support CPAY, its lead is narrowing, and its current signal state is conflicted.
Bank of America Corporation
Corpay, Inc.
The Algovestiq AIQ Score currently favors CPAY over BAC, 57 versus 47 as of Oct 31, 2026. CPAY's advantage is driven primarily by stronger momentum and quality. CPAY also shows the stronger technical structure relative to its 50-day moving average, though analyst target upside currently favors BAC. 4 of 6 covered evidence groups favor CPAY today, and the comparison is rated Fragile on stability: the leader's advantage has been narrowing. CPAY lead: Weakening — the AIQ differential moved from 18 to 10 points over 30 sessions.
Compare Bank of America Corporation and Corpay, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare BAC and CPAY against another ticker
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AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Momentum26 vs 43CPAY +17
- Quality49 vs 60CPAY +11
- Value57 vs 65CPAY +8
- Risk Resilience60 vs 59Even
4 of 6 evidence groups favor CPAY. CPAY’s edge is concentrated in momentum and quality.
What changed since the last close
Latest scored session 2026-10-30, compared against the prior scored session 2026-10-29.
No factor moved materially.
No signal started or stopped since the prior session; its 3 active signals are unchanged.
No factor moved materially.
No signal started or stopped since the prior session; its 3 active signals are unchanged.
CPAY's lead was unchanged in the latest session.
Deeper signal detail for each name lives on its own signals page — BAC and CPAY both carry a full feed there.
The central trade-off
CPAY (Corpay, Inc.): the stronger current systematic profile, led by momentum and quality.
BAC (Bank of America Corporation): the counter-case, on analyst expectations.
The AIQ Score and Wall Street therefore point in different directions on this pair.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
CPAYCPAY on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
CPAYCPAY on combined revenue and EPS growth.
Value
CPAYCPAY on the peer-relative Value factor, by 8 points.
Momentum
CPAYCPAY on the Momentum factor, by 17 points.
Lower downside
BACBAC carries the lower 1-month annualized volatility.
Analyst upside
BACBAC on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors CPAY, analyst targets favor BAC. That disagreement is the most useful thing on this page.
| Measure | BAC | CPAY | Note |
|---|---|---|---|
| Implied upside to target | +32.5% | +11.9% | BAC has more room |
| Target dispersion | +22.6% | +33% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 11 | 10 | Higher coverage generally improves confidence |
The two are measuring different things. The AIQ Score reads current fundamentals, valuation, trend and risk; analyst targets price forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something already priced in — it is worth resolving before acting on either.
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
4 of 6 covered evidence groups favor CPAY. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | CPAY | 47 vs 57 |
| Fundamentals | CPAYon balance | revenue growth -3.3% vs 6.2%; EPS growth -23.8% vs -27%; TTM ROE 10.7% vs 30.4%; gross margin 60.4% vs 73.3%; operating margin 22.4% vs 40.8% — CPAY takes 4 of 5 decided legs, not all of them |
| Valuation | CPAY | Value 57 vs 65 |
| Technicals | CPAY | Price vs 50-day -12.1% vs -0.7%; vs 200-day -7.5% vs 11.6% |
| Risk Resilience | Even | Risk Resilience 60 vs 59 |
| Analyst expectations | BAC | Target upside 32.5% vs 11.9% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of BAC and CPAY and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is moderate at 10 points.
- The leader's advantage has been narrowing. (argues the conclusion is provisional)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on CPAY.
How the comparison changed
120 daily snapshots · Jul 1 – Oct 30CPAY lead: Weakening — the AIQ differential moved from 18 to 10 points over 30 sessions.
- Today
- CPAY +10
- 47 vs 57
- 7 sessions ago
- CPAY +17
- 47 vs 64
- 30 sessions ago
- CPAY +18
- 41 vs 59
- 90 sessions ago
- CPAY +12
- 49 vs 61
The lead has not changed hands in this window.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
2 bullish / 0 bearish / 1 neutral
Only BAC
- Bollinger Band Squeeze — neutral, volatility, short horizon
- MACD Bullish Crossover — bullish, momentum, short horizon
2 bullish / 1 bearish, conflicted
Only CPAY
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- MACD Bearish Crossover — bearish, momentum, short horizon
Both carry 1 more signal that do not separate them: Golden Cross Active.
CPAY leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -2.21%, AIQ 0 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.75%, AIQ 0 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1BAC closes the Momentum gap — currently 17 points behind, the largest single contributor to CPAY's edge.
- 2BAC's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend.
- 3CPAY's conflicting signal state resolves bearish — it currently carries 2 bullish and 1 bearish rules at once.
- 4The narrowing continues — the lead has already given back 8 points over 30 sessions, and a further 10-point move would eliminate CPAY's advantage entirely.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
CPAY leads on balance| Metric | BAC | CPAY |
|---|---|---|
| Revenue growth (YoY) | -3.3% | 6.2% |
| EPS growth (YoY) | -23.8% | -27% |
| Gross margin | 60.4% | 73.3% |
| Operating margin | 22.4% | 40.8% |
| Return on equity (TTM) | 10.7% | 30.4% |
| Debt to equity | 1.28 | 3 |
Performance
CPAY leads 5 of 6 windows| Metric | BAC | CPAY |
|---|---|---|
| 1 week (5 sessions) | 0.1% | -2.9% |
| 1 month (20 sessions) | -6.6% | 1.9% |
| 3 months (63 sessions) | -17.6% | 1.5% |
| 6 months (126 sessions) | -3.8% | 29% |
| Year to date | -7.5% | 31.5% |
| 1 year (252 sessions) | -3.3% | 39.2% |
Technicals
CPAY has the stronger structure| Metric | BAC | CPAY |
|---|---|---|
| RSI (14) | 31.2 | 45.4 |
| ADX (14) | 49.4 | 13.8 |
| Price vs 50-day | -12.1% | -0.7% |
| Price vs 200-day | -7.5% | 11.6% |
| Volatility (1M, annualized) | 20.8% | 22.5% |
Risk
Split| Metric | BAC | CPAY |
|---|---|---|
| Beta | 0.73 | 0.81 |
| Sharpe ratio | -0.25 | 0.97 |
| Sortino ratio | -0.32 | 1.62 |
| Max drawdown | -22.3% | -20.2% |
| Current drawdown | -21.5% | -6.9% |
| Annualized volatility | 21.8% | 36.7% |
| Value at risk (95%) | -2.5% | -3.1% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, BAC or CPAY?
On the Algovestiq AIQ Score, CPAY is the stronger of the two as of Oct 31, 2026, scoring 57 against BAC's 47. The edge comes from momentum and quality. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is BAC or CPAY the better buy right now?
CPAY carries the stronger systematic profile as of Oct 31, 2026, and the comparison is rated Fragile — 4 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the leader's advantage has been narrowing. Treat the lead as provisional.
Why does the AIQ Score favor CPAY over BAC?
The composite weights Quality, Value, Momentum and Risk Resilience. CPAY leads Momentum by 17 points; CPAY leads Quality by 11 points; CPAY leads Value by 8 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, BAC or CPAY?
Analyst price targets imply +32.5% upside for BAC and +11.9% for CPAY, so the Street currently favors BAC. That points the opposite way to the AIQ Score, which favors CPAY. The two are measuring different things: the model reads current fundamentals, valuation, trend and risk; the Street is pricing forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something the analysts have already priced — it is the single most useful row on this page to investigate. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, BAC or CPAY?
CPAY is the better-valued of the two on the peer-relative Value factor. CPAY on the peer-relative Value factor, by 8 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, BAC or CPAY?
CPAY on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, BAC or CPAY?
CPAY on the Momentum factor, by 17 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, BAC or CPAY?
BAC is the more resilient of the two, so the other name carries the higher downside risk. BAC carries the lower 1-month annualized volatility. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is BAC more profitable than CPAY?
CPAY leads on the comparable margin measures — gross margin 60.4% vs 73.3%; operating margin 22.4% vs 40.8%; ttm roe 10.7% vs 30.4%.
Is CPAY's lead over BAC getting stronger or weaker?
CPAY lead: Weakening — the AIQ differential moved from 18 to 10 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-07-01 and 2026-10-30. The lead has not changed hands in that window.
What would change the BAC vs CPAY verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: BAC closes the Momentum gap — currently 17 points behind, the largest single contributor to CPAY's edge; BAC's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend; CPAY's conflicting signal state resolves bearish — it currently carries 2 bullish and 1 bearish rules at once; the narrowing continues — the lead has already given back 8 points over 30 sessions, and a further 10-point move would eliminate CPAY's advantage entirely.
What do the current signals say about BAC and CPAY?
BAC: 2 bullish / 0 bearish / 1 neutral. CPAY: 2 bullish / 1 bearish, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on BAC is Golden Cross Active (bullish, long horizon). On CPAY it is Golden Cross Active (bullish, long horizon).
Compare BAC and CPAY with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.