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STOCK COMPARISON

Corpay vs Microsoft: Fair Value & Quality

Both stocks run through our valuation models. Here is how Corpay (CPAY) and Microsoft (MSFT) compare, as of Aug 8, 2026.

As of Aug 8, 2026, Fair Value Calculator sees Microsoft as the less overvalued of the two: Corpay trades at $398 versus a fair value of $213 (-47%), while Microsoft trades at $500 versus $274 (-45%).
Corpay
CPAY · USD · Financials
-47%
upside to fair value
overvalued
Price$398
Fair Value$213
Quality72/100
Microsoft
MSFT · USD · Information Technology
-45%
upside to fair value
overvalued
Price$500
Fair Value$274
Quality65/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

CorpayMicrosoft
Valuation
21.0×P/E (TTM)22.9×
4.83×P/S (TTM)8.99×
5.95×P/B8.33×
8.2×EV/EBITDA15.6×
0.84×PEG1.19×
Dividend yield0.9%
Dividend per share$3.56
Profitability
25%Net margin39%
41%Operating margin46%
32%Return on equity34%
6%Return on assets15%
Growth
25%Revenue growth (YoY)18%
9.7%Avg. growth/yr (3Y)12.4%
13.6%Avg. growth/yr (5Y)14.5%
Balance & size
1.71×Debt / equity0.12×
$23BMarket cap$2.9T
healthyGrowth qualityexpensive

Microsoft leads: 6 to 7 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Corpayof which business quality 70 · market factors 70 Microsoftof which business quality 65 · market factors 51
ProfitabilityMargins and returns on capital today
50
75
Quality GrowthAre margins and returns improving?
31
53
CashflowEarnings quality: real cash, not paper profit
87
71
Fin. StrengthBalance sheet, leverage, solvency risk
100
79
InvestmentDisciplined investing over empire-building
37
1
Low VolatilityCalm price path (market factor)
61
57
MomentumPrice trend over the last 3–12 months (market factor)
70
46
52W MomentumDistance to the 52-week high (market factor)
81
52
Net IssuanceBuybacks instead of dilution
96
84

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Corpay

DCF Models$452
Earnings-Based$233
Multiples$268
Asset-Based$39.81
Growth DCF$379
Economic Profit$233
Growth Earnings$289

14 of 24 models see the stock below the current price.

Microsoft

DCF Models$289
Earnings-Based$189
Dividend Discount$61.93
Multiples$206
Asset-Based$30.98
Growth DCF$201
Economic Profit$184
Growth Earnings$276

26 of 26 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Corpay
Bear $160Fair Value $213Bull $509
$398 = current price (white tick)
Microsoft
Bear $159Fair Value $274Bull $358
$500 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Corpay · Financials

Quality score72 · Top 25%
Fair value upside-47% · bottom 25%

Microsoft · Information Technology

Quality score65 · Top 25%
Fair value upside-45% · below median

Bottom line

As of Aug 8, 2026, Fair Value Calculator sees Microsoft as the less overvalued of the two: Corpay trades at $398 versus a fair value of $213 (-47%), while Microsoft trades at $500 versus $274 (-45%).

Corpay has the higher quality score (72/100).

See the full analysis →

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.