PAY vs CARG

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

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

5-Year PerformanceCARG has outperformed PAY, delivering a return of +1.6% compared to -6.8%

PAY vs CARG - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

PAY

$2.64B

Winner

CARG

$2.64B

Max Drawdown

PAY

80.78%

Winner

CARG

78.66%

Sharpe Ratio

PAY

-0.88

Winner

CARG

-0.40

5Y Beta

PAY

1.13

Winner

CARG

1.06

Industry

PAY

Software - Infrastructure

CARG

Auto & Truck Dealerships

P/E Ratio

PAY

39.19

Winner

CARG

20.22

Forward P/E

PAY

N/A

CARG

11.17

PEG Ratio

Winner

PAY

0.50

CARG

0.86

5Y EPS CAGR

PAY

N/A

CARG

19.66%

Debt to Equity

PAY

0.00%

CARG

0.00%

Free Cash Flow Yield

PAY

5.37%

Winner

CARG

11.08%

P/S Ratio

Winner

PAY

2.06

CARG

2.69

P/B Ratio

Winner

PAY

4.53

CARG

10.75

PAY vs CARG - Historical Returns

Returns include dividend reinvestment.

Period	PAY	CARG
1 month	-20.42%	-13.94%
3 months	-12.44%	-12.24%
6 months	-34.00%	-29.43%
1 year	-38.73%	-15.88%
5 years(CAGR)	-6.84%	+1.57%
10 years(CAGR)	N/A	-0.17%
Max(CAGR)	-5.84%	-0.17%

PAY

-20.42%

Winner

CARG

-13.94%

PAY

-12.44%

Winner

CARG

-12.24%

PAY

-34.00%

Winner

CARG

-29.43%

PAY

-38.73%

Winner

CARG

-15.88%

5Y(CAGR)

PAY

-6.84%

Winner

CARG

+1.57%

10Y(CAGR)

PAY

N/A

CARG

-0.17%

Max(CAGR)

PAY

-5.84%

Winner

CARG

-0.17%

PAY vs CARG - Annual Returns (2017 - 2026)

Returns include dividend reinvestment.

Year	PAY	CARG
2026	-25.82%	-27.84%
2025	-3.22%	+7.33%
2024	+86.58%	+55.36%
2023	+118.46%	+68.13%
2022	-76.46%	-59.97%
2021	+22.26%	+4.60%
2020	N/A	-13.09%
2019	N/A	+6.80%
2018	N/A	+11.95%
2017	N/A	+8.70%

PAY vs CARG Drawdown Comparison

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

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

The current PAY drawdown is -46.99%. The current CARG drawdown is -51.40%.

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