CPAY vs FCNCA

Comparison between Fleetcor Technologies Inc (CPAY, Company) and First Citizens Bancshares Inc (NC) - Class A (FCNCA, Company).

CPAY is from the Technology sector, while FCNCA is from the Financial Services sector.

5-Year PerformanceFCNCA has outperformed CPAY, delivering a return of +23.3% compared to +9.0%

CPAY vs FCNCA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CPAY(COMPANY)	FCNCA(COMPANY)
Market Cap	$26B	$26B
Max Drawdown	50.13%	64.11%
Sharpe Ratio	0.48	0.31
5Y Beta	1.23	1.05
Industry	Software - Infrastructure	Banks - Regional
P/E Ratio	22.89	12.93
Forward P/E	14.97	13.28
PEG Ratio	1.28	1.46
Dividend Yield	N/A	0.38%
5Y Dividends CAGR	N/A	35.78%
5Y EPS CAGR	15.06%	34.75%
Debt to Equity	402.11%	154.04%
Free Cash Flow Yield	5.04%	8.68%
P/S Ratio	5.37	2.65
P/B Ratio	7.16	1.24

Market Cap

Winner

CPAY

$26B

FCNCA

$26B

Max Drawdown

Winner

CPAY

50.13%

FCNCA

64.11%

Sharpe Ratio

Winner

CPAY

0.48

FCNCA

0.31

5Y Beta

CPAY

1.23

Winner

FCNCA

1.05

Industry

CPAY

Software - Infrastructure

FCNCA

Banks - Regional

P/E Ratio

CPAY

22.89

Winner

FCNCA

12.93

Forward P/E

CPAY

14.97

Winner

FCNCA

13.28

PEG Ratio

Winner

CPAY

1.28

FCNCA

1.46

Dividend Yield

CPAY

N/A

FCNCA

0.38%

5Y Dividends CAGR

CPAY

N/A

FCNCA

35.78%

5Y EPS CAGR

CPAY

15.06%

Winner

FCNCA

34.75%

Debt to Equity

CPAY

402.11%

Winner

FCNCA

154.04%

Free Cash Flow Yield

CPAY

5.04%

Winner

FCNCA

8.68%

P/S Ratio

CPAY

5.37

Winner

FCNCA

2.65

P/B Ratio

CPAY

7.16

Winner

FCNCA

1.24

CPAY vs FCNCA - Historical Returns

Returns include dividend reinvestment.

Period	CPAY	FCNCA
1 month	+9.46%	+6.50%
3 months	+24.12%	+13.63%
6 months	+32.02%	+8.77%
1 year	+18.95%	+18.26%
5 years(CAGR)	+8.95%	+23.35%
10 years(CAGR)	+9.64%	+24.34%
Max(CAGR)	+18.47%	+14.11%

Winner

CPAY

+9.46%

FCNCA

+6.50%

Winner

CPAY

+24.12%

FCNCA

+13.63%

Winner

CPAY

+32.02%

FCNCA

+8.77%

Winner

CPAY

+18.95%

FCNCA

+18.26%

5Y(CAGR)

CPAY

+8.95%

Winner

FCNCA

+23.35%

10Y(CAGR)

CPAY

+9.64%

Winner

FCNCA

+24.34%

Max(CAGR)

Winner

CPAY

+18.47%

FCNCA

+14.11%

CPAY vs FCNCA - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CPAY	FCNCA
2026	+28.35%	+2.99%
2025	-11.47%	+2.49%
2024	+20.19%	+47.39%
2023	+54.27%	+89.46%
2022	-20.52%	-11.55%
2021	-15.83%	+46.31%
2020	-5.18%	+7.28%
2019	+55.06%	+40.73%
2018	-4.20%	-6.47%
2017	+33.03%	+13.91%
2016	+0.63%	+42.96%
2015	-4.88%	+3.51%
2014	+25.62%	+14.62%
2013	+112.34%	+33.71%
2012	+75.56%	-8.09%
2011	-1.97%	-8.71%
2010	+13.47%	+11.87%
2009	N/A	+8.50%
2008	N/A	+7.72%
2007	N/A	-29.39%
2006	N/A	+12.90%
2005	N/A	+21.61%
2004	N/A	+22.65%
2003	N/A	+23.99%
2002	N/A	-0.61%
2001	N/A	+23.69%
2000	N/A	+18.67%
1999	N/A	-8.79%

CPAY vs FCNCA Drawdown Comparison

The maximum drawdown for CPAY was -50.13%, occurring on Oct 20, 2022. Recovery took 1173 trading sessions.

The maximum drawdown for FCNCA was -63.51%, occurring on Mar 6, 2009. Recovery took 917 trading sessions.

The current CPAY drawdown is -1.79%. The current FCNCA drawdown is -5.05%.

Rank	CPAY	FCNCA
#1	-50.13% Feb 6, 2020 - Oct 4, 2024	-63.51% Jul 25, 2006 - Mar 17, 2010
#2	-34.54% Feb 6, 2025 - Jul 29, 2026	-47.49% Jan 30, 2020 - Nov 9, 2020
#3	-32.68% Apr 29, 2011 - Mar 13, 2012	-43.63% Sep 2, 2021 - Mar 28, 2023
#4	-30.80% Aug 17, 2015 - Aug 11, 2016	-33.93% Mar 17, 2010 - Jul 18, 2013
#5	-25.22% Oct 24, 2016 - Nov 2, 2017	-33.51% Nov 22, 2024 - Apr 8, 2025
#6	-22.97% Sep 28, 2018 - Feb 22, 2019	-26.59% Jul 5, 2001 - Apr 30, 2002
#7	-17.12% Dec 2, 2013 - Feb 24, 2014	-26.35% Nov 3, 1999 - Dec 13, 2000
#8	-16.93% Aug 19, 2014 - Oct 31, 2014	-24.39% Aug 24, 2018 - Sep 12, 2019
#9	-16.78% May 9, 2012 - Aug 15, 2012	-20.61% May 22, 2002 - Jul 31, 2003
#10	-16.71% Feb 27, 2014 - Jun 6, 2014	-19.04% Jun 12, 2014 - Dec 5, 2014
#11	-12.19% Nov 24, 2014 - Feb 20, 2015	-18.88% Jul 14, 2015 - Jul 14, 2016
#12	-11.86% Dec 2, 2024 - Jan 30, 2025	-16.86% Feb 16, 2005 - Jul 5, 2005
#13	-10.63% Jan 31, 2018 - Jun 18, 2018	-16.51% Jun 8, 2021 - Aug 27, 2021
#14	-10.27% Feb 18, 2011 - Mar 28, 2011	-16.42% Dec 9, 2014 - Jul 13, 2015
#15	-9.41% Jul 9, 2019 - Aug 8, 2019	-15.35% Jan 25, 2017 - Jul 3, 2017