CARG vs PAY

Comparison between CarGurus Inc - Class A (CARG, Company) and Paymentus Holdings Inc - Class A (PAY, Company).

CARG is from the Consumer Cyclical sector, while PAY is from the Technology sector.

5-Year PerformanceCARG has outperformed PAY, delivering a return of +2.0% compared to -6.8%

CARG vs PAY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CARG(COMPANY)	PAY(COMPANY)
Market Cap	$2.64B	$2.64B
Max Drawdown	78.66%	80.78%
Sharpe Ratio	-0.40	-0.88
5Y Beta	1.06	1.13
Industry	Auto & Truck Dealerships	Software - Infrastructure
P/E Ratio	20.22	39.19
Forward P/E	11.17	N/A
PEG Ratio	0.86	0.50
5Y EPS CAGR	19.66%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	11.08%	5.37%
P/S Ratio	2.69	2.06
P/B Ratio	10.75	4.53

Market Cap

Winner

CARG

$2.64B

PAY

$2.64B

Max Drawdown

Winner

CARG

78.66%

PAY

80.78%

Sharpe Ratio

Winner

CARG

-0.40

PAY

-0.88

5Y Beta

Winner

CARG

1.06

PAY

1.13

Industry

CARG

Auto & Truck Dealerships

PAY

Software - Infrastructure

P/E Ratio

Winner

CARG

20.22

PAY

39.19

Forward P/E

CARG

11.17

PAY

N/A

PEG Ratio

CARG

0.86

Winner

PAY

0.50

5Y EPS CAGR

CARG

19.66%

PAY

N/A

Debt to Equity

CARG

0.00%

PAY

0.00%

Free Cash Flow Yield

Winner

CARG

11.08%

PAY

5.37%

P/S Ratio

CARG

2.69

Winner

PAY

2.06

P/B Ratio

CARG

10.75

Winner

PAY

4.53

CARG vs PAY - Historical Returns

Returns include dividend reinvestment.

Period	CARG	PAY
1 month	-14.54%	-20.42%
3 months	-11.82%	-12.44%
6 months	-26.23%	-34.00%
1 year	-15.22%	-38.73%
5 years(CAGR)	+1.95%	-6.84%
10 years(CAGR)	+0.04%	N/A
Max(CAGR)	+0.04%	-5.84%

Winner

CARG

-14.54%

PAY

-20.42%

Winner

CARG

-11.82%

PAY

-12.44%

Winner

CARG

-26.23%

PAY

-34.00%

Winner

CARG

-15.22%

PAY

-38.73%

5Y(CAGR)

Winner

CARG

+1.95%

PAY

-6.84%

10Y(CAGR)

CARG

+0.04%

PAY

N/A

Max(CAGR)

Winner

CARG

+0.04%

PAY

-5.84%

CARG vs PAY - Annual Returns (2017 - 2026)

Returns include dividend reinvestment.

Year	CARG	PAY
2026	-26.48%	-25.82%
2025	+7.33%	-3.22%
2024	+55.36%	+86.58%
2023	+68.13%	+118.46%
2022	-59.97%	-76.46%
2021	+4.60%	+22.26%
2020	-13.09%	N/A
2019	+6.80%	N/A
2018	+11.95%	N/A
2017	+8.70%	N/A

CARG vs PAY Drawdown Comparison

The maximum drawdown for CARG was -78.66%, occurring on Dec 7, 2022. This drawdown has not yet recovered.

The maximum drawdown for PAY was -80.78%, occurring on Dec 28, 2022. Recovery took 851 trading sessions.

The current CARG drawdown is -50.49%. The current PAY drawdown is -46.99%.

Rank	CARG	PAY
#1	-78.66% Sep 27, 2018 - Dec 7, 2022	-80.78% Jul 6, 2021 - Nov 20, 2024
#2	-20.79% Mar 12, 2018 - Jul 23, 2018	-48.47% May 19, 2025 - Jun 8, 2026
#3	-18.38% Jan 19, 2018 - Mar 6, 2018	-37.08% Dec 2, 2024 - May 15, 2025
#4	-13.04% Oct 31, 2017 - Jan 17, 2018	-17.01% Jun 2, 2021 - Jun 23, 2021
#5	-12.74% Aug 9, 2018 - Sep 26, 2018	-3.72% Jun 24, 2021 - Jul 6, 2021
#6	-11.65% Oct 16, 2017 - Oct 31, 2017	-2.13% May 26, 2021 - May 28, 2021
#7	-1.63% Jan 17, 2018 - Jan 19, 2018	-0.74% Nov 26, 2024 - Dec 2, 2024
#8	-1.50% Mar 6, 2018 - Mar 8, 2018	-0.33% Nov 20, 2024 - Nov 22, 2024
#9	-0.59% Jul 23, 2018 - Jul 25, 2018	N/A
#10	-0.16% Aug 2, 2018 - Aug 6, 2018	N/A
#11	-0.12% Jul 27, 2018 - Jul 31, 2018	N/A