CPAY vs. STNE

Last updated Jun 13, 2026

CPAY (Corpay, Inc.) and STNE (StoneCo Ltd.) are both stocks. Both are in the Technology sector — CPAY in Software - Infrastructure, STNE in Software - Application. Over the past 5 years, CPAY returned 5.55%/yr vs -26.45%/yr for STNE. At a 0.39 correlation, their price movements are largely independent.

Performance

CPAY vs. STNE - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Corpay, Inc. (CPAY) and StoneCo Ltd. (STNE). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, CPAY achieves a 18.34% return, which is significantly higher than STNE's -7.84% return.

CPAY

• 1D: 1.50%
• 1M: 7.50%
• YTD: 18.34%
• 6M: 12.66%
• 1Y: 1.73%
• 3Y*: 14.01%
• 5Y*: 5.55%
• 10Y*: 9.48%

STNE

• 1D: 0.09%
• 1M: 16.20%
• YTD: -7.84%
• 6M: -12.12%
• 1Y: -2.22%
• 3Y*: 0.22%
• 5Y*: -26.45%
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

CPAY vs. STNE - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018
CPAY Corpay, Inc.	18.34%	-11.08%	19.75%	53.86%	-17.94%	-17.96%	-5.18%	54.92%	-3.36%
STNE StoneCo Ltd.	-7.84%	85.57%	-55.80%	91.00%	-44.01%	-79.91%	110.38%	116.32%	-42.37%

Correlation

The correlation between CPAY and STNE is 0.36, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.36
Correlation (3Y) Calculated over the trailing 3-year period	0.34
Correlation (5Y) Calculated over the trailing 5-year period	0.39
Correlation (All Time) Calculated using the full available price history since Oct 25, 2018	0.39

Fundamentals

Market Cap CPAY : $24.37B STNE : $2.85B
EPS CPAY : $16.74 STNE : R$12.96
PE Ratio CPAY : 21.27 STNE : 4.43
PEG Ratio CPAY : 1.98 STNE : 0.06
PS Ratio CPAY : 5.23 STNE : 1.32
PB Ratio CPAY : 6.94 STNE : 1.20
Total Revenue (TTM) CPAY : $4.78B STNE : R$11.69B
Gross Profit (TTM) CPAY : $2.57B STNE : R$8.11B
EBITDA (TTM) CPAY : $2.55B STNE : R$3.75B

Return for Risk

CPAY vs. STNE — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

CPAY

CPAY Risk / Return Rank: 42
CPAY Sharpe Ratio Rank: 45
CPAY Sortino Ratio Rank: 40
CPAY Omega Ratio Rank: 39
CPAY Calmar Ratio Rank: 44
CPAY Martin Ratio Rank: 44

STNE

STNE Risk / Return Rank: 40
STNE Sharpe Ratio Rank: 41
STNE Sortino Ratio Rank: 39
STNE Omega Ratio Rank: 39
STNE Calmar Ratio Rank: 41
STNE Martin Ratio Rank: 41

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

CPAY vs. STNE - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Corpay, Inc. (CPAY) and StoneCo Ltd. (STNE). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	CPAY	STNE	Difference
Sharpe ratio: Return per unit of total volatility	0.05	-0.04	+0.09
Sortino ratio: Return per unit of downside risk	0.35	0.29	+0.06
Omega ratio: Gain probability vs. loss probability	1.04	1.04	0.00
Calmar ratio: Return relative to maximum drawdown	0.07	-0.06	+0.12
Martin ratio: Return relative to average drawdown	0.15	-0.11	+0.26

CPAY vs. STNE - Sharpe Ratio Comparison

The current CPAY Sharpe Ratio is 0.05, which is higher than the STNE Sharpe Ratio of -0.04. The chart below compares the historical Sharpe Ratios of CPAY and STNE, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

CPAY vs. STNE - Drawdown Comparison

The maximum CPAY drawdown since its inception was -50.13%, smaller than the maximum STNE drawdown of -92.31%. Use the drawdown chart below to compare losses from any high point for CPAY and STNE.

Drawdown Indicators

	CPAY	STNE	Difference
Max Drawdown Largest peak-to-trough decline	-50.13%	-92.31%	+42.18%
Max Drawdown (1Y) Largest decline over 1 year	-25.90%	-40.22%	+14.32%
Max Drawdown (3Y) Largest decline over 3 years	-34.54%	-57.64%	+23.10%
Max Drawdown (5Y) Largest decline over 5 years	-41.63%	-89.72%	+48.09%
Max Drawdown (10Y) Largest decline over 10 years	-50.13%	—	—
Current Drawdown Current decline from peak	-8.58%	-85.51%	+76.93%
Average Drawdown Average peak-to-trough decline	-13.33%	-61.22%	+47.89%
Ulcer Index Depth and duration of drawdowns from previous peaks	12.35%	20.10%	-7.75%

Volatility

CPAY vs. STNE - Volatility Comparison

The current volatility for Corpay, Inc. (CPAY) is 9.20%, while StoneCo Ltd. (STNE) has a volatility of 14.09%. This indicates that CPAY experiences smaller price fluctuations and is considered to be less risky than STNE based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	CPAY	STNE	Difference
Volatility (1M) Calculated over the trailing 1-month period	9.20%	14.09%	-4.89%
Volatility (6M) Calculated over the trailing 6-month period	29.53%	39.14%	-9.61%
Volatility (1Y) Calculated over the trailing 1-year period	37.70%	51.30%	-13.60%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	32.43%	64.94%	-32.51%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	32.93%	67.40%	-34.47%

Dividends

CPAY vs. STNE - Dividend Comparison

CPAY has not paid dividends to shareholders, while STNE's dividend yield for the trailing twelve months is around 22.47%.

Position	TTM
CPAY Corpay, Inc.	0.00%
STNE StoneCo Ltd.	22.47%

Financials

Frequently Asked Questions

Can I hold both CPAY and STNE in my portfolio?

CPAY and STNE have a correlation of 0.36, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, CPAY or STNE?

STNE has higher volatility (14.09%) compared to CPAY (9.20%). In terms of maximum drawdown, CPAY dropped -50.13% vs STNE's -92.31%.

Which has better risk-adjusted returns?

CPAY currently has the higher Sharpe Ratio (0.05 vs -0.04), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.