BILL vs CPAY
BILL: An AI-powered finance platform enabling SMBs to automate accounts payable, accounts receivable, and expense management in one integrated solution. CPAY: Corpay provides corporate payment solutions that simplify, automate, and control how businesses spend their money.
Side-by-side fundamentals
| Metric | BILL | CPAY | Edge |
|---|---|---|---|
| Price as of 2026-10-20 close | $49.09 | $408.36 | |
| Market cap | $4.2B | $26.8B | |
| P/E as of 2026-10-20 | n/a | 24.84 | |
| PEG as of 2026-10-20, 3-year EPS CAGR to FY2025 | n/a | 3.78 | |
| Net margin | -0.7% | +23.6% | CPAY higher |
| Gross margin FY2026, SEC XBRL | +80.9% | n/a | |
| Operating margin | -4.4% | +44.0% | CPAY higher |
| ROE | -0.3% | +27.5% | CPAY higher |
| ROA | -0.1% | +4.1% | CPAY higher |
| Debt / equity filed borrowings, leases excl., balance sheet 2026-06-30 | 0.52 | 5.35 | BILL lower |
| Revenue growth (YoY) | +13.0% | +13.9% | CPAY higher |
| Revenue CAGR (3y) SEC XBRL | +16.0% | +9.7% | BILL higher |
| Dividend streak (yrs) SEC XBRL | 0 | 0 | Tie |
| Beta as of 2026-09-03 | 1.64 | 1.25 | |
| 1-year return as of 2026-10-20 close | -6.5% | +42.8% | CPAY higher |
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-20.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.