CPAY vs WEX Stock Comparison
Compare CPAY and WEX across AIQ Score, fundamentals, valuation, momentum, risk, analyst expectations and current market evidence.
What is the main difference between CPAY and WEX?
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
Corpay, Inc. vs WEX Inc.
CPAY leads
CPAY leads by 2 AIQ points, primarily on Momentum and Quality.
Fragile: 3 of 6 evidence groups support CPAY, and its current signal state is conflicted.
The Algovestiq AIQ Score currently favors CPAY over WEX, 59 versus 57 as of Sep 11, 2026. CPAY's advantage is driven primarily by stronger momentum and quality, while WEX holds the stronger value profile. CPAY also shows the weaker technical structure relative to its 50-day moving average. 3 of 6 covered evidence groups favor CPAY today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 2 points. CPAY lead: Stable — the AIQ differential has held near 2 points over 30 sessions.
Compare Corpay, Inc. and WEX Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price-return comparison using available daily close history.
Total return comparison
Growth of $10,000
Based on available close-price history. Distribution reinvestment is not added unless already reflected in the source series.
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.
- Value65 vs 72WEX +7
- Momentum53 vs 46CPAY +7
- Quality60 vs 54CPAY +6
- Risk Resilience58 vs 53CPAY +5
3 of 6 evidence groups favor CPAY. CPAY’s edge is concentrated in momentum and quality; WEX keeps a meaningful value edge.
What changed since the last close
Latest scored session 2026-09-10, compared against the prior scored session 2026-09-09.
Largest factor move: Momentum -2
No new signals fired.
Largest factor move: Momentum +3
No new signals fired.
CPAY's lead narrowed by 2 AIQ points in the latest snapshot.
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
CPAY (Corpay, Inc.): the stronger current systematic profile, led by momentum and quality.
WEX (WEX Inc.): the counter-case, on value, valuation — but at materially higher volatility, 34.3% against 24.8%.
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
WEXWEX on combined revenue and EPS growth.
Value
WEXWEX on the peer-relative Value factor, by 7 points.
Momentum
CPAYCPAY on the Momentum factor, by 7 points.
Lower downside
CPAYCPAY on Risk Resilience, by 5 points.
Analyst upside
CPAYCPAY on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | CPAY | WEX | Note |
|---|---|---|---|
| Implied upside to target | +9.9% | -6.3% | CPAY has more room |
| Target dispersion | +33% | +37.9% | Lower is tighter analyst agreement |
| Consensus | Buy | Hold | Context, not a primary driver |
| Analysts covering | 10 | 6 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
3 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 | Even | 59 vs 57 |
| 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 | Even | Price vs 50-day 5% vs 6.5%; vs 200-day 20.5% vs 19.6% |
| Risk Resilience | CPAY | Risk Resilience 58 vs 53 |
| Analyst expectations | CPAY | Target upside 9.9% vs -6.3% |
✓ 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 narrow at 2 points. (argues the conclusion is provisional)
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has been steady session to session. (supports the conclusion holding)
- 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
119 daily snapshots · May 4 – Sep 10CPAY lead: Stable — the AIQ differential has held near 2 points over 30 sessions.
- Today
- CPAY +2
- 59 vs 57
- 7 sessions ago
- CPAY +1
- 62 vs 61
- 30 sessions ago
- CPAY +1
- 63 vs 62
- 90 sessions ago
- WEX +5
- 62 vs 67
The lead changed hands 4 times in this window, most recently on Aug 24 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.
3 bullish / 1 bearish, conflicted
- Golden Cross Active — bullish, trend, long horizon (14.73%)
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- Uptrend Structure Active — bullish, trend, long horizon
3 bullish / 1 bearish, conflicted
- Golden Cross Active — bullish, trend, long horizon (13.19%)
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- Uptrend Structure Active — bullish, trend, long horizon
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 -0.06%, AIQ -1 points).
Price and the AIQ Score both moved up over the latest session (price +0.78%, AIQ +1 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.
- 1WEX closes the Momentum gap — currently 7 points behind, the largest single contributor to CPAY's edge.
- 2WEX generates a confirmed bullish trend signal it does not currently carry, such as MACD Bullish Crossover.
- 3CPAY's conflicting signal state resolves bearish — it currently carries 3 bullish and 1 bearish rules at once.
- 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) | -1.9% | -1.5% |
| 1 month (20 sessions) | -0.3% | 0% |
| 3 months (63 sessions) | 17% | 38.4% |
| 6 months (126 sessions) | 23.6% | 18.4% |
| Year to date | 35.7% | 27.6% |
| 1 year (252 sessions) | 31.1% | 10.2% |
Technicals
Split| Metric | CPAY | WEX |
|---|---|---|
| RSI (14) | 46.9 | 40.1 |
| ADX (14) | 32 | 25.4 |
| Price vs 50-day | 5% | 6.5% |
| Price vs 200-day | 20.5% | 19.6% |
| Volatility (1M, annualized) | 24.8% | 34.3% |
Risk
CPAY is the more resilient| Metric | CPAY | WEX |
|---|---|---|
| Beta | 0.86 | 0.5 |
| Sharpe ratio | 0.8 | 0.35 |
| Sortino ratio | 1.32 | 0.45 |
| Max drawdown | -20.2% | -31.4% |
| Current drawdown | -3.9% | -6.5% |
| Annualized volatility | 37.2% | 40.3% |
| 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, CPAY is the stronger of the two as of Sep 11, 2026, scoring 59 against WEX's 57. The edge comes from momentum and quality. WEX is not without a case — it holds the better value 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?
CPAY carries the stronger systematic profile as of Sep 11, 2026, and the comparison is rated Fragile — 3 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 2 points. Treat the lead as provisional.
Why does the AIQ Score favor CPAY over WEX?
The composite weights Quality, Value, Momentum and Risk Resilience. WEX leads Value by 7 points; CPAY leads Momentum 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 +9.9% upside for CPAY and -6.3% for WEX, so the Street currently favors CPAY. The model and the Street agree here, which is a broader base of evidence than either alone. 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?
CPAY on the Momentum factor, by 7 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 5 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 CPAY's lead over WEX getting stronger or weaker?
CPAY lead: Stable — the AIQ differential has held near 2 points over 30 sessions. This is measured from 119 daily comparison snapshots between 2026-05-04 and 2026-09-10. The lead has changed hands 4 times in that window, most recently on 2026-08-24, 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: WEX closes the Momentum gap — currently 7 points behind, the largest single contributor to CPAY's edge; WEX generates a confirmed bullish trend signal it does not currently carry, such as MACD Bullish Crossover; CPAY's conflicting signal state resolves bearish — it currently carries 3 bullish and 1 bearish rules at once; 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: 3 bullish / 1 bearish, conflicted. WEX: 3 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 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.