CPAY vs PHM

Comparison between Fleetcor Technologies Inc (CPAY, Company) and PulteGroup Inc (PHM, Company).

CPAY is from the Technology sector, while PHM is from the Consumer Cyclical sector.

5-Year PerformancePHM has outperformed CPAY, delivering a return of +19.8% compared to +7.5%

CPAY vs PHM - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CPAY(COMPANY)	PHM(COMPANY)
Market Cap	$24B	$24B
Max Drawdown	50.13%	92.61%
Sharpe Ratio	0.34	0.47
5Y Beta	1.24	0.77
Industry	Software - Infrastructure	Residential Construction
P/E Ratio	21.18	12.02
Forward P/E	14.03	12.29
PEG Ratio	1.18	1.12
Dividend Yield	N/A	0.78%
5Y Dividends CAGR	N/A	17.70%
5Y EPS CAGR	15.06%	23.57%
Debt to Equity	402.11%	0.00%
Free Cash Flow Yield	5.45%	7.38%
P/S Ratio	4.96	1.41
P/B Ratio	6.63	1.82

Market Cap

CPAY

$24B

Winner

PHM

$24B

Max Drawdown

Winner

CPAY

50.13%

PHM

92.61%

Sharpe Ratio

CPAY

0.34

Winner

PHM

0.47

5Y Beta

CPAY

1.24

Winner

PHM

0.77

Industry

CPAY

Software - Infrastructure

PHM

Residential Construction

P/E Ratio

CPAY

21.18

Winner

PHM

12.02

Forward P/E

CPAY

14.03

Winner

PHM

12.29

PEG Ratio

CPAY

1.18

Winner

PHM

1.12

Dividend Yield

CPAY

N/A

PHM

0.78%

5Y Dividends CAGR

CPAY

N/A

PHM

17.70%

5Y EPS CAGR

CPAY

15.06%

Winner

PHM

23.57%

Debt to Equity

CPAY

402.11%

Winner

PHM

0.00%

Free Cash Flow Yield

CPAY

5.45%

Winner

PHM

7.38%

P/S Ratio

CPAY

4.96

Winner

PHM

1.41

P/B Ratio

CPAY

6.63

Winner

PHM

1.82

CPAY vs PHM - Historical Returns

Returns include dividend reinvestment.

Period	CPAY	PHM
1 month	+5.46%	-1.08%
3 months	+10.97%	-3.20%
6 months	+15.70%	-3.99%
1 year	+10.69%	+15.28%
5 years(CAGR)	+7.52%	+19.80%
10 years(CAGR)	+9.34%	+20.58%
Max(CAGR)	+18.12%	+13.58%

Winner

CPAY

+5.46%

PHM

-1.08%

Winner

CPAY

+10.97%

PHM

-3.20%

Winner

CPAY

+15.70%

PHM

-3.99%

CPAY

+10.69%

Winner

PHM

+15.28%

5Y(CAGR)

CPAY

+7.52%

Winner

PHM

+19.80%

10Y(CAGR)

CPAY

+9.34%

Winner

PHM

+20.58%

Max(CAGR)

Winner

CPAY

+18.12%

PHM

+13.58%

CPAY vs PHM - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CPAY	PHM
2026	+21.80%	+4.80%
2025	-11.47%	+9.82%
2024	+20.19%	+7.98%
2023	+54.27%	+125.46%
2022	-20.52%	-17.68%
2021	-15.83%	+36.94%
2020	-5.18%	+13.00%
2019	+55.06%	+49.88%
2018	-4.20%	-21.05%
2017	+33.03%	+81.73%
2016	+0.63%	+9.17%
2015	-4.88%	-14.74%
2014	+25.62%	+8.11%
2013	+112.34%	+10.47%
2012	+75.56%	+178.53%
2011	-1.97%	-18.89%
2010	+13.47%	-26.56%
2009	N/A	-10.47%
2008	N/A	+6.27%
2007	N/A	-67.13%
2006	N/A	-19.29%
2005	N/A	+24.89%
2004	N/A	+40.78%
2003	N/A	+84.87%
2002	N/A	+8.56%
2001	N/A	+11.32%
2000	N/A	+101.03%
1999	N/A	+9.65%

CPAY vs PHM Drawdown Comparison

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

The maximum drawdown for PHM was -92.39%, occurring on Oct 3, 2011. Recovery took 3644 trading sessions.

The current CPAY drawdown is -6.01%. The current PHM drawdown is -15.44%.

Rank	CPAY	PHM
#1	-50.13% Feb 6, 2020 - Oct 4, 2024	-92.39% Jul 28, 2005 - Jan 21, 2020
#2	-34.54% Feb 6, 2025 - Oct 30, 2025	-62.09% Feb 11, 2020 - Aug 21, 2020
#3	-32.68% Apr 29, 2011 - Mar 13, 2012	-45.40% Apr 27, 2001 - Feb 26, 2002
#4	-30.80% Aug 17, 2015 - Aug 11, 2016	-40.98% May 10, 2021 - Apr 18, 2023
#5	-25.22% Oct 24, 2016 - Nov 2, 2017	-38.01% Oct 18, 2024 - Apr 8, 2025
#6	-22.97% Sep 28, 2018 - Feb 22, 2019	-37.85% Jun 24, 2002 - May 7, 2003
#7	-17.12% Dec 2, 2013 - Feb 24, 2014	-31.65% Nov 16, 1999 - May 16, 2000
#8	-16.93% Aug 19, 2014 - Oct 31, 2014	-25.43% Sep 21, 2004 - Dec 15, 2004
#9	-16.78% May 9, 2012 - Aug 15, 2012	-25.27% Dec 5, 2000 - Apr 24, 2001
#10	-16.71% Feb 27, 2014 - Jun 6, 2014	-20.93% Mar 5, 2004 - Aug 16, 2004
#11	-12.19% Nov 24, 2014 - Feb 20, 2015	-19.11% Oct 9, 2000 - Nov 3, 2000
#12	-11.86% Dec 2, 2024 - Jan 30, 2025	-18.85% Aug 8, 2023 - Nov 14, 2023
#13	-10.63% Jan 31, 2018 - Jun 18, 2018	-18.38% Jun 16, 2003 - Oct 2, 2003
#14	-10.27% Feb 18, 2011 - Mar 28, 2011	-17.87% Oct 12, 2020 - Feb 10, 2021
#15	-9.41% Jul 9, 2019 - Aug 8, 2019	-15.44% Mar 4, 2002 - May 1, 2002