CORPAY INC (CPAY) Fundamental Analysis & Valuation

NYSE:CPAY • US2199481068

Current stock price

298.23 USD
+4.89 (+1.67%)
At close:
298.23 USD
0 (0%)
After Hours:

This CPAY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. CPAY Profitability Analysis

1.1 Basic Checks

  • CPAY had positive earnings in the past year.
  • In the past year CPAY had a positive cash flow from operations.
  • CPAY had positive earnings in each of the past 5 years.
  • In the past 5 years CPAY always reported a positive cash flow from operatings.
CPAY Yearly Net Income VS EBIT VS OCF VS FCFCPAY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

1.2 Ratios

  • The Return On Assets of CPAY (4.05%) is better than 74.00% of its industry peers.
  • CPAY has a Return On Equity of 27.55%. This is amongst the best in the industry. CPAY outperforms 93.00% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 9.95%, CPAY belongs to the top of the industry, outperforming 82.00% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for CPAY is above the industry average of 8.10%.
Industry RankSector Rank
ROA 4.05%
ROE 27.55%
ROIC 9.95%
ROA(3y)5.33%
ROA(5y)5.8%
ROE(3y)29.87%
ROE(5y)31.29%
ROIC(3y)11.18%
ROIC(5y)11.44%
CPAY Yearly ROA, ROE, ROICCPAY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • Looking at the Profit Margin, with a value of 23.62%, CPAY belongs to the top of the industry, outperforming 82.00% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CPAY has declined.
  • CPAY's Operating Margin of 43.10% is amongst the best of the industry. CPAY outperforms 82.00% of its industry peers.
  • CPAY's Operating Margin has been stable in the last couple of years.
  • Looking at the Gross Margin, with a value of 78.60%, CPAY belongs to the top of the industry, outperforming 84.00% of the companies in the same industry.
Industry RankSector Rank
OM 43.1%
PM (TTM) 23.62%
GM 78.6%
OM growth 3Y0.7%
OM growth 5Y1.15%
PM growth 3Y-5.33%
PM growth 5Y-4.33%
GM growth 3YN/A
GM growth 5YN/A
CPAY Yearly Profit, Operating, Gross MarginsCPAY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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3

2. CPAY Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CPAY is creating some value.
  • Compared to 1 year ago, CPAY has less shares outstanding
  • Compared to 5 years ago, CPAY has less shares outstanding
  • CPAY has a better debt/assets ratio than last year.
CPAY Yearly Shares OutstandingCPAY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
CPAY Yearly Total Debt VS Total AssetsCPAY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • Based on the Altman-Z score of 1.48, we must say that CPAY is in the distress zone and has some risk of bankruptcy.
  • With a decent Altman-Z score value of 1.48, CPAY is doing good in the industry, outperforming 72.00% of the companies in the same industry.
  • CPAY has a debt to FCF ratio of 7.70. This is a slightly negative value and a sign of low solvency as CPAY would need 7.70 years to pay back of all of its debts.
  • CPAY's Debt to FCF ratio of 7.70 is in line compared to the rest of the industry. CPAY outperforms 57.00% of its industry peers.
  • CPAY has a Debt/Equity ratio of 2.18. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 2.18, CPAY is not doing good in the industry: 68.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.18
Debt/FCF 7.7
Altman-Z 1.48
ROIC/WACC1.34
WACC7.42%
CPAY Yearly LT Debt VS Equity VS FCFCPAY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.3 Liquidity

  • CPAY has a Current Ratio of 0.98. This is a bad value and indicates that CPAY is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Current ratio value of 0.98, CPAY perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • A Quick Ratio of 0.98 indicates that CPAY may have some problems paying its short term obligations.
  • CPAY's Quick ratio of 0.98 is in line compared to the rest of the industry. CPAY outperforms 50.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.98
Quick Ratio 0.98
CPAY Yearly Current Assets VS Current LiabilitesCPAY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. CPAY Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 12.47% over the past year.
  • CPAY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.03% yearly.
  • CPAY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.93%.
  • The Revenue has been growing by 13.64% on average over the past years. This is quite good.
EPS 1Y (TTM)12.47%
EPS 3Y9.92%
EPS 5Y14.03%
EPS Q2Q%12.69%
Revenue 1Y (TTM)13.93%
Revenue growth 3Y9.73%
Revenue growth 5Y13.64%
Sales Q2Q%20.67%

3.2 Future

  • Based on estimates for the next years, CPAY will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.89% on average per year.
  • Based on estimates for the next years, CPAY will show a quite strong growth in Revenue. The Revenue will grow by 10.72% on average per year.
EPS Next Y23.25%
EPS Next 2Y18.99%
EPS Next 3Y17.89%
EPS Next 5YN/A
Revenue Next Year16.8%
Revenue Next 2Y13.64%
Revenue Next 3Y12.11%
Revenue Next 5Y10.72%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
CPAY Yearly Revenue VS EstimatesCPAY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2B 4B 6B 8B
CPAY Yearly EPS VS EstimatesCPAY Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10 20 30

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6

4. CPAY Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.95, CPAY is valued correctly.
  • CPAY's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.17. CPAY is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 11.32, the valuation of CPAY can be described as reasonable.
  • CPAY's Price/Forward Earnings ratio is in line with the industry average.
  • CPAY is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.05, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.95
Fwd PE 11.32
CPAY Price Earnings VS Forward Price EarningsCPAY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 64.00% of the companies in the same industry are more expensive than CPAY, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, CPAY is valued a bit cheaper than 64.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.62
EV/EBITDA 10.93
CPAY Per share dataCPAY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50 -100

4.3 Compensation for Growth

  • CPAY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • CPAY has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as CPAY's earnings are expected to grow with 17.89% in the coming years.
PEG (NY)0.6
PEG (5Y)0.99
EPS Next 2Y18.99%
EPS Next 3Y17.89%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CPAY Dividend Analysis

5.1 Amount

  • CPAY does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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CPAY Fundamentals: All Metrics, Ratios and Statistics

CORPAY INC

NYSE:CPAY (4/6/2026, 5:05:00 PM)

After market: 298.23 0 (0%)

298.23

+4.89 (+1.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-04
Earnings (Next)05-04
Inst Owners94.64%
Inst Owner Change-0.01%
Ins Owners3.57%
Ins Owner Change0.13%
Market Cap20.29B
Revenue(TTM)4.53B
Net Income(TTM)1.07B
Analysts83.64
Price Target394.52 (32.29%)
Short Float %3.83%
Short Ratio3.49
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-0.66%
Min EPS beat(2)-0.95%
Max EPS beat(2)-0.36%
EPS beat(4)0
Avg EPS beat(4)-1.28%
Min EPS beat(4)-2.03%
Max EPS beat(4)-0.36%
EPS beat(8)0
Avg EPS beat(8)-1.4%
EPS beat(12)1
Avg EPS beat(12)-1.39%
EPS beat(16)4
Avg EPS beat(16)-0.52%
Revenue beat(2)0
Avg Revenue beat(2)-0.96%
Min Revenue beat(2)-1.06%
Max Revenue beat(2)-0.86%
Revenue beat(4)0
Avg Revenue beat(4)-1.61%
Min Revenue beat(4)-2.93%
Max Revenue beat(4)-0.86%
Revenue beat(8)0
Avg Revenue beat(8)-1.96%
Revenue beat(12)1
Avg Revenue beat(12)-2.1%
Revenue beat(16)3
Avg Revenue beat(16)-1.34%
PT rev (1m)1.7%
PT rev (3m)8.6%
EPS NQ rev (1m)-0.23%
EPS NQ rev (3m)-0.27%
EPS NY rev (1m)0%
EPS NY rev (3m)3.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.41%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)1.13%
Valuation
Industry RankSector Rank
PE 13.95
Fwd PE 11.32
P/S 4.48
P/FCF 15.62
P/OCF 13.53
P/B 5.23
P/tB N/A
EV/EBITDA 10.93
EPS(TTM)21.38
EY7.17%
EPS(NY)26.35
Fwd EY8.84%
FCF(TTM)19.09
FCFY6.4%
OCF(TTM)22.04
OCFY7.39%
SpS66.55
BVpS57.07
TBVpS-101.67
PEG (NY)0.6
PEG (5Y)0.99
Graham Number165.7
Profitability
Industry RankSector Rank
ROA 4.05%
ROE 27.55%
ROCE 16.12%
ROIC 9.95%
ROICexc 12.12%
ROICexgc 218.24%
OM 43.1%
PM (TTM) 23.62%
GM 78.6%
FCFM 28.69%
ROA(3y)5.33%
ROA(5y)5.8%
ROE(3y)29.87%
ROE(5y)31.29%
ROIC(3y)11.18%
ROIC(5y)11.44%
ROICexc(3y)13.22%
ROICexc(5y)13.72%
ROICexgc(3y)186.24%
ROICexgc(5y)N/A
ROCE(3y)18.08%
ROCE(5y)17.51%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y-7.95%
ROICexc growth 5Y2%
OM growth 3Y0.7%
OM growth 5Y1.15%
PM growth 3Y-5.33%
PM growth 5Y-4.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.17
Health
Industry RankSector Rank
Debt/Equity 2.18
Debt/FCF 7.7
Debt/EBITDA 3.62
Cap/Depr 51.04%
Cap/Sales 4.43%
Interest Coverage 3.97
Cash Conversion 63.96%
Profit Quality 121.44%
Current Ratio 0.98
Quick Ratio 0.98
Altman-Z 1.48
F-Score6
WACC7.42%
ROIC/WACC1.34
Cap/Depr(3y)48.88%
Cap/Depr(5y)46.57%
Cap/Sales(3y)4.31%
Cap/Sales(5y)4.26%
Profit Quality(3y)165.21%
Profit Quality(5y)137.64%
High Growth Momentum
Growth
EPS 1Y (TTM)12.47%
EPS 3Y9.92%
EPS 5Y14.03%
EPS Q2Q%12.69%
EPS Next Y23.25%
EPS Next 2Y18.99%
EPS Next 3Y17.89%
EPS Next 5YN/A
Revenue 1Y (TTM)13.93%
Revenue growth 3Y9.73%
Revenue growth 5Y13.64%
Sales Q2Q%20.67%
Revenue Next Year16.8%
Revenue Next 2Y13.64%
Revenue Next 3Y12.11%
Revenue Next 5Y10.72%
EBIT growth 1Y11.16%
EBIT growth 3Y10.5%
EBIT growth 5Y14.96%
EBIT Next Year42.54%
EBIT Next 3Y21.02%
EBIT Next 5YN/A
FCF growth 1Y-26.41%
FCF growth 3Y29.13%
FCF growth 5Y-1.4%
OCF growth 1Y-22.71%
OCF growth 3Y25.72%
OCF growth 5Y0.37%

CORPAY INC / CPAY Fundamental Analysis FAQ

What is the fundamental rating for CPAY stock?

ChartMill assigns a fundamental rating of 5 / 10 to CPAY.


What is the valuation status for CPAY stock?

ChartMill assigns a valuation rating of 6 / 10 to CORPAY INC (CPAY). This can be considered as Fairly Valued.


What is the profitability of CPAY stock?

CORPAY INC (CPAY) has a profitability rating of 7 / 10.


What is the valuation of CORPAY INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for CORPAY INC (CPAY) is 13.95 and the Price/Book (PB) ratio is 5.23.


How financially healthy is CORPAY INC?

The financial health rating of CORPAY INC (CPAY) is 3 / 10.