FCNCA vs CPAY

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

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

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

FCNCA vs CPAY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

FCNCA

$26B

Winner

CPAY

$26B

Max Drawdown

FCNCA

64.11%

Winner

CPAY

50.13%

Sharpe Ratio

FCNCA

0.31

Winner

CPAY

0.48

5Y Beta

Winner

FCNCA

1.05

CPAY

1.23

Industry

FCNCA

Banks - Regional

CPAY

Software - Infrastructure

P/E Ratio

Winner

FCNCA

12.93

CPAY

22.89

Forward P/E

Winner

FCNCA

13.28

CPAY

14.97

PEG Ratio

FCNCA

1.46

Winner

CPAY

1.28

Dividend Yield

FCNCA

0.38%

CPAY

N/A

5Y Dividends CAGR

FCNCA

35.78%

CPAY

N/A

5Y EPS CAGR

Winner

FCNCA

34.75%

CPAY

15.06%

Debt to Equity

Winner

FCNCA

154.04%

CPAY

402.11%

Free Cash Flow Yield

Winner

FCNCA

8.68%

CPAY

5.04%

P/S Ratio

Winner

FCNCA

2.65

CPAY

5.37

P/B Ratio

Winner

FCNCA

1.24

CPAY

7.16

FCNCA vs CPAY - Historical Returns

Returns include dividend reinvestment.

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

FCNCA

+6.50%

Winner

CPAY

+9.46%

FCNCA

+13.63%

Winner

CPAY

+24.12%

FCNCA

+8.77%

Winner

CPAY

+32.02%

FCNCA

+18.26%

Winner

CPAY

+18.95%

5Y(CAGR)

Winner

FCNCA

+23.35%

CPAY

+8.95%

10Y(CAGR)

Winner

FCNCA

+24.34%

CPAY

+9.64%

Max(CAGR)

FCNCA

+14.11%

Winner

CPAY

+18.47%

FCNCA vs CPAY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

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

FCNCA vs CPAY Drawdown Comparison

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

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

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

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