CPAY vs WEX Stock Comparison
WEX currently leads CPAY in this stock comparison, with AIQ scores of 66 vs 57. The clearest difference is momentum, while CPAY has the stronger quality profile.
What is the main difference between CPAY and WEX?
WEX leads the current stock comparison as WEX Inc., with the clearest separation coming from momentum and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Corpay, Inc. vs WEX Inc.
WEX leads
WEX leads by 9 AIQ points, primarily on Momentum and Value, having only recently taken the lead back from CPAY. Wall Street currently favors CPAY on target upside.
Fragile: 3 of 6 evidence groups support WEX, the lead recently changed hands, and its signal state is cleanly positive.
The Algovestiq AIQ Score currently favors WEX over CPAY, 66 versus 57 as of Oct 31, 2026. WEX's advantage is driven primarily by stronger momentum and value, while CPAY holds the stronger quality profile. WEX also shows the weaker technical structure relative to its 50-day moving average, though analyst target upside currently favors CPAY. 3 of 6 covered evidence groups favor WEX today, and the comparison is rated Fragile on stability: only 3 of 6 covered evidence groups agree. WEX lead: Reversed — CPAY led by 7 AIQ points 30 sessions ago; WEX now leads by 9.
Compare Corpay, Inc. and WEX Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price return from daily closes; distributions are not included.
Price return comparison
Growth of $10,000, price only
Split-adjusted closes only. Distributions are excluded, which understates the return of any fund or stock that pays them.
Compare CPAY and WEX against another ticker
Open a multi-ticker workspace without changing this focused pair page.
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.
- Momentum43 vs 82WEX +39
- Value65 vs 72WEX +7
- Quality60 vs 54CPAY +6
- Risk Resilience59 vs 53CPAY +6
3 of 6 evidence groups favor WEX. WEX’s edge is concentrated in momentum and value; CPAY keeps a meaningful quality edge.
What changed since the last close
Latest scored session 2026-10-28, compared against the prior scored session 2026-10-27.
Largest factor move: Momentum -2
New signals
- MACD Bearish Crossover — bearish, momentum, short horizon
Largest factor move: Momentum +11
New signals
- Uptrend Structure Active — bullish, trend, long horizon
WEX's lead widened by 3 AIQ points in the latest session.
Deeper signal detail for each name lives on its own signals page — CPAY and WEX both carry a full feed there.
The central trade-off
WEX (WEX Inc.): the stronger current systematic profile, led by momentum and value.
CPAY (Corpay, Inc.): the counter-case, on quality, risk resilience, fundamentals.
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
WEXWEX on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
WEXWEX on combined revenue and EPS growth.
Value
WEXWEX on the peer-relative Value factor, by 7 points.
Momentum
WEXWEX on the Momentum factor, by 39 points.
Lower downside
CPAYCPAY on Risk Resilience, by 6 points.
Analyst upside
CPAYCPAY on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors WEX, analyst targets favor CPAY. That disagreement is the most useful thing on this page.
| Measure | CPAY | WEX | Note |
|---|---|---|---|
| Implied upside to target | +11.9% | -3.3% | CPAY has more room |
| Target dispersion | +33% | +31.9% | Lower is tighter analyst agreement |
| Consensus | Buy | Hold | Context, not a primary driver |
| Analysts covering | 10 | 5 | 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
3 of 6 covered evidence groups favor WEX. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | WEX | 57 vs 66 |
| Fundamentals | CPAYon balance | revenue growth 6.2% vs 11.8%; EPS growth -27% vs 39.1%; TTM ROE 30.4% vs 28.2%; gross margin 73.3% vs 56.7%; operating margin 40.8% vs 25.5% — CPAY takes 3 of 5 decided legs, not all of them |
| Valuation | WEX | Value 65 vs 72 |
| Technicals | WEX | Price vs 50-day -0.7% vs -1.1%; vs 200-day 11.6% vs 15.3% |
| Risk Resilience | CPAY | Risk Resilience 59 vs 53 |
| Analyst expectations | CPAY | Target upside 11.9% vs -3.3% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of CPAY and WEX 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 9 points.
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has already changed hands inside the comparison window. (argues the conclusion is provisional)
- The leader's signal state is cleanly positive. (supports the conclusion holding)
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 WEX.
How the comparison changed
120 daily snapshots · Jun 29 – Oct 28WEX lead: Reversed — CPAY led by 7 AIQ points 30 sessions ago; WEX now leads by 9.
- Today
- WEX +9
- 57 vs 66
- 7 sessions ago
- WEX +4
- 64 vs 68
- 30 sessions ago
- CPAY +7
- 59 vs 52
- 90 sessions ago
- WEX +1
- 62 vs 63
The lead changed hands 7 times in this window, most recently on Oct 21 when WEX moved ahead of CPAY.
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 / 1 bearish, conflicted
Only CPAY
- MACD Bearish Crossover — bearish, momentum, short horizon
4 bullish / 0 bearish
Only WEX
- Uptrend Structure Active — bullish, trend, long horizon
- MACD Bullish Crossover — bullish, momentum, short horizon
Both carry 2 more signals that do not separate them: Golden Cross Active, EMA Ribbon Expansion Bullish.
CPAY is conflicted, so the timing case there is weaker than the score alone suggests.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price is up while the AIQ Score moved down 1 points over the same session — price and model disagree (price +0.75%, AIQ -1 points).
Price and the AIQ Score both moved up over the latest session (price +0.62%, AIQ +2 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.
- 1CPAY closes the Momentum gap — currently 39 points behind, the largest single contributor to WEX's edge.
- 2CPAY's MACD Bearish Crossover resolves — a bearish momentum rule currently active against it.
- 3WEX's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
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 | CPAY | WEX |
|---|---|---|
| Revenue growth (YoY) | 6.2% | 11.8% |
| EPS growth (YoY) | -27% | 39.1% |
| Gross margin | 73.3% | 56.7% |
| Operating margin | 40.8% | 25.5% |
| Return on equity (TTM) | 30.4% | 28.2% |
| Debt to equity | 3 | 3.98 |
Performance
Split across windows| Metric | CPAY | WEX |
|---|---|---|
| 1 week (5 sessions) | -2.9% | 0.9% |
| 1 month (20 sessions) | 1.9% | 12.2% |
| 3 months (63 sessions) | 1.5% | 1.6% |
| 6 months (126 sessions) | 29% | 22.4% |
| Year to date | 31.5% | 27.1% |
| 1 year (252 sessions) | 39.2% | 18.4% |
Technicals
WEX has the stronger structure| Metric | CPAY | WEX |
|---|---|---|
| RSI (14) | 45.4 | 67.5 |
| ADX (14) | 13.8 | 21.8 |
| Price vs 50-day | -0.7% | -1.1% |
| Price vs 200-day | 11.6% | 15.3% |
| Volatility (1M, annualized) | 22.5% | 31.6% |
Risk
CPAY is the more resilient| Metric | CPAY | WEX |
|---|---|---|
| Beta | 0.81 | 0.27 |
| Sharpe ratio | 0.97 | 0.54 |
| Sortino ratio | 1.62 | 0.71 |
| Max drawdown | -20.2% | -31.4% |
| Current drawdown | -6.9% | -6.9% |
| Annualized volatility | 36.7% | 40.9% |
| Value at risk (95%) | -3.1% | -3.4% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, CPAY or WEX?
On the Algovestiq AIQ Score, WEX is the stronger of the two as of Oct 31, 2026, scoring 66 against CPAY's 57. The edge comes from momentum and value. CPAY is not without a case — it holds the better quality profile, which matters more if that is the objective you are optimizing for. 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 CPAY or WEX the better buy right now?
WEX carries the stronger systematic profile as of Oct 31, 2026, and the comparison is rated Fragile — 3 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: only 3 of 6 covered evidence groups agree. Treat the lead as provisional.
Why does the AIQ Score favor WEX over CPAY?
The composite weights Quality, Value, Momentum and Risk Resilience. WEX leads Momentum by 39 points; WEX leads Value by 7 points; CPAY leads Quality by 6 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, CPAY or WEX?
Analyst price targets imply +11.9% upside for CPAY and -3.3% for WEX, so the Street currently favors CPAY. That points the opposite way to the AIQ Score, which favors WEX. 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, CPAY or WEX?
WEX is the better-valued of the two on the peer-relative Value factor. WEX on the peer-relative Value factor, by 7 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, CPAY or WEX?
WEX 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, CPAY or WEX?
WEX on the Momentum factor, by 39 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, CPAY or WEX?
CPAY is the more resilient of the two, so the other name carries the higher downside risk. CPAY on Risk Resilience, by 6 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is CPAY more profitable than WEX?
CPAY leads on the comparable margin measures — gross margin 73.3% vs 56.7%; operating margin 40.8% vs 25.5%; ttm roe 30.4% vs 28.2%.
Is WEX's lead over CPAY getting stronger or weaker?
WEX lead: Reversed — CPAY led by 7 AIQ points 30 sessions ago; WEX now leads by 9. This is measured from 120 daily comparison snapshots between 2026-06-29 and 2026-10-28. The lead has changed hands 7 times in that window, most recently on 2026-10-21, when WEX moved ahead of CPAY.
What would change the CPAY vs WEX verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: CPAY closes the Momentum gap — currently 39 points behind, the largest single contributor to WEX's edge; CPAY's MACD Bearish Crossover resolves — a bearish momentum rule currently active against it; WEX's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about CPAY and WEX?
CPAY: 2 bullish / 1 bearish, conflicted. WEX: 4 bullish / 0 bearish. 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 CPAY is Golden Cross Active (bullish, long horizon). On WEX it is Golden Cross Active (bullish, long horizon).
Compare CPAY and WEX 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.