CORPAY INC (CPAY) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:CPAY • US2199481068

354.19 USD
+19.19 (+5.73%)
At close: Feb 6, 2026
354 USD
-0.19 (-0.05%)
After Hours: 2/6/2026, 4:07:52 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to CPAY. CPAY was compared to 97 industry peers in the Financial Services industry. While CPAY has a great profitability rating, there are some minor concerns on its financial health. CPAY has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year CPAY was profitable.
  • CPAY had a positive operating cash flow in the past year.
  • Of the past 5 years CPAY 4 years were profitable.
  • CPAY had a positive operating cash flow in 4 of the past 5 years.
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 500M 1B 1.5B 2B

1.2 Ratios

  • CPAY's Return On Assets of 5.32% is fine compared to the rest of the industry. CPAY outperforms 75.26% of its industry peers.
  • CPAY's Return On Equity of 25.79% is amongst the best of the industry. CPAY outperforms 90.72% of its industry peers.
  • The Return On Invested Capital of CPAY (10.98%) is better than 84.54% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for CPAY is above the industry average of 8.54%.
Industry RankSector Rank
ROA 5.32%
ROE 25.79%
ROIC 10.98%
ROA(3y)6.24%
ROA(5y)6.25%
ROE(3y)33.21%
ROE(5y)29.98%
ROIC(3y)12.51%
ROIC(5y)11.72%
CPAY Yearly ROA, ROE, ROICCPAY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • With an excellent Profit Margin value of 24.37%, CPAY belongs to the best of the industry, outperforming 81.44% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CPAY has declined.
  • Looking at the Operating Margin, with a value of 43.73%, CPAY belongs to the top of the industry, outperforming 80.41% of the companies in the same industry.
  • CPAY's Operating Margin has been stable in the last couple of years.
  • The Gross Margin of CPAY (78.26%) is better than 82.47% of its industry peers.
  • In the last couple of years the Gross Margin of CPAY has declined.
Industry RankSector Rank
OM 43.73%
PM (TTM) 24.37%
GM 78.26%
OM growth 3Y0.25%
OM growth 5Y-1.02%
PM growth 3Y-5.18%
PM growth 5Y-5.66%
GM growth 3YN/A
GM growth 5Y-4.82%
CPAY Yearly Profit, Operating, Gross MarginsCPAY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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4

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CPAY is creating some value.
  • CPAY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CPAY Yearly Shares OutstandingCPAY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 5B 10B 15B

2.2 Solvency

  • CPAY has an Altman-Z score of 2.21. This is not the best score and indicates that CPAY is in the grey zone with still only limited risk for bankruptcy at the moment.
  • The Altman-Z score of CPAY (2.21) is better than 80.41% of its industry peers.
  • CPAY has a debt to FCF ratio of 7.10. This is a slightly negative value and a sign of low solvency as CPAY would need 7.10 years to pay back of all of its debts.
  • CPAY's Debt to FCF ratio of 7.10 is in line compared to the rest of the industry. CPAY outperforms 51.55% of its industry peers.
  • CPAY has a Debt/Equity ratio of 1.86. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of CPAY (1.86) is worse than 64.95% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.86
Debt/FCF 7.1
Altman-Z 2.21
ROIC/WACC1.32
WACC8.3%
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 1B 2B 3B 4B 5B

2.3 Liquidity

  • A Current Ratio of 1.13 indicates that CPAY should not have too much problems paying its short term obligations.
  • The Current ratio of CPAY (1.13) is comparable to the rest of the industry.
  • CPAY has a Quick Ratio of 1.13. This is a normal value and indicates that CPAY is financially healthy and should not expect problems in meeting its short term obligations.
  • With a Quick ratio value of 1.13, CPAY perfoms like the industry average, outperforming 58.76% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.13
Quick Ratio 1.13
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 2B 4B 6B 8B

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

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 12.47% over the past year.
  • Measured over the past years, CPAY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.03% on average per year.
EPS 1Y (TTM)12.47%
EPS 3Y9.92%
EPS 5Y14.03%
EPS Q2Q%12.69%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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 15.87% on average per year.
  • CPAY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.08% yearly.
EPS Next Y17.89%
EPS Next 2Y16.79%
EPS Next 3Y15.87%
EPS Next 5YN/A
Revenue Next Year15.72%
Revenue Next 2Y13.12%
Revenue Next 3Y9.08%
Revenue Next 5YN/A

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 stable.
CPAY Yearly Revenue VS EstimatesCPAY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B 4B 5B
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

More info and screens

Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • CPAY is valuated correctly with a Price/Earnings ratio of 16.57.
  • Compared to the rest of the industry, the Price/Earnings ratio of CPAY is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of CPAY to the average of the S&P500 Index (27.67), we can say CPAY is valued slightly cheaper.
  • Based on the Price/Forward Earnings ratio of 14.05, the valuation of CPAY can be described as correct.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CPAY is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of CPAY to the average of the S&P500 Index (27.20), we can say CPAY is valued slightly cheaper.
Industry RankSector Rank
PE 16.57
Fwd PE 14.05
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

  • CPAY's Enterprise Value to EBITDA is on the same level as the industry average.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CPAY is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 21.67
EV/EBITDA 12.32
CPAY Per share dataCPAY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 -40 60 -60

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.
  • The decent profitability rating of CPAY may justify a higher PE ratio.
  • A more expensive valuation may be justified as CPAY's earnings are expected to grow with 15.87% in the coming years.
PEG (NY)0.93
PEG (5Y)1.18
EPS Next 2Y16.79%
EPS Next 3Y15.87%

More info and screens

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

0

5. Dividend

5.1 Amount

  • No dividends for CPAY!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

CORPAY INC

NYSE:CPAY (2/6/2026, 4:07:52 PM)

After market: 354 -0.19 (-0.05%)

354.19

+19.19 (+5.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-04
Earnings (Next)05-04
Inst Owners96.28%
Inst Owner Change-0.21%
Ins Owners3.55%
Ins Owner Change-0.13%
Market Cap24.78B
Revenue(TTM)N/A
Net Income(TTM)1.05B
Analysts82.73
Price Target374.83 (5.83%)
Short Float %3.25%
Short Ratio4.02
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)-1.37%
Min EPS beat(2)-1.79%
Max EPS beat(2)-0.95%
EPS beat(4)0
Avg EPS beat(4)-1.64%
Min EPS beat(4)-2.03%
Max EPS beat(4)-0.95%
EPS beat(8)0
Avg EPS beat(8)-1.7%
EPS beat(12)2
Avg EPS beat(12)-1.3%
EPS beat(16)5
Avg EPS beat(16)-0.41%
Revenue beat(2)0
Avg Revenue beat(2)-1.33%
Min Revenue beat(2)-1.6%
Max Revenue beat(2)-1.06%
Revenue beat(4)0
Avg Revenue beat(4)-2.27%
Min Revenue beat(4)-3.5%
Max Revenue beat(4)-1.06%
Revenue beat(8)0
Avg Revenue beat(8)-2.52%
Revenue beat(12)1
Avg Revenue beat(12)-2.1%
Revenue beat(16)4
Avg Revenue beat(16)-1.12%
PT rev (1m)-0.22%
PT rev (3m)-7.83%
EPS NQ rev (1m)0.19%
EPS NQ rev (3m)3.01%
EPS NY rev (1m)-0.03%
EPS NY rev (3m)1.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.57%
Valuation
Industry RankSector Rank
PE 16.57
Fwd PE 14.05
P/S 5.74
P/FCF 21.67
P/OCF 18.55
P/B 6.08
P/tB N/A
EV/EBITDA 12.32
EPS(TTM)21.38
EY6.04%
EPS(NY)25.21
Fwd EY7.12%
FCF(TTM)16.34
FCFY4.61%
OCF(TTM)19.09
OCFY5.39%
SpS61.67
BVpS58.26
TBVpS-65.36
PEG (NY)0.93
PEG (5Y)1.18
Graham Number167.41
Profitability
Industry RankSector Rank
ROA 5.32%
ROE 25.79%
ROCE 17.42%
ROIC 10.98%
ROICexc 13.07%
ROICexgc 71.49%
OM 43.73%
PM (TTM) 24.37%
GM 78.26%
FCFM 26.5%
ROA(3y)6.24%
ROA(5y)6.25%
ROE(3y)33.21%
ROE(5y)29.98%
ROIC(3y)12.51%
ROIC(5y)11.72%
ROICexc(3y)14.83%
ROICexc(5y)13.92%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)18.71%
ROCE(5y)16.98%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y1.1%
ROICexc growth 5Y0.59%
OM growth 3Y0.25%
OM growth 5Y-1.02%
PM growth 3Y-5.18%
PM growth 5Y-5.66%
GM growth 3YN/A
GM growth 5Y-4.82%
F-Score6
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 1.86
Debt/FCF 7.1
Debt/EBITDA 3.36
Cap/Depr 52.13%
Cap/Sales 4.46%
Interest Coverage 3.9
Cash Conversion 59.22%
Profit Quality 108.76%
Current Ratio 1.13
Quick Ratio 1.13
Altman-Z 2.21
F-Score6
WACC8.3%
ROIC/WACC1.32
Cap/Depr(3y)47.52%
Cap/Depr(5y)42.51%
Cap/Sales(3y)4.31%
Cap/Sales(5y)4.03%
Profit Quality(3y)145.81%
Profit Quality(5y)152.95%
High Growth Momentum
Growth
EPS 1Y (TTM)12.47%
EPS 3Y9.92%
EPS 5Y14.03%
EPS Q2Q%12.69%
EPS Next Y17.89%
EPS Next 2Y16.79%
EPS Next 3Y15.87%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%20.67%
Revenue Next Year15.72%
Revenue Next 2Y13.12%
Revenue Next 3Y9.08%
Revenue Next 5YN/A
EBIT growth 1Y9.51%
EBIT growth 3Y12.22%
EBIT growth 5Y7.35%
EBIT Next Year34.73%
EBIT Next 3Y20.42%
EBIT Next 5Y15.62%
FCF growth 1Y7.96%
FCF growth 3Y17.6%
FCF growth 5Y10.19%
OCF growth 1Y9.49%
OCF growth 3Y17.47%
OCF growth 5Y10.8%

CORPAY INC / CPAY FAQ

What is the fundamental rating for CPAY stock?

ChartMill assigns a fundamental rating of 4 / 10 to CPAY.


What is the valuation status for CPAY stock?

ChartMill assigns a valuation rating of 5 / 10 to CORPAY INC (CPAY). This can be considered as Fairly Valued.


Can you provide the profitability details for CORPAY INC?

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


What is the expected EPS growth for CORPAY INC (CPAY) stock?

The Earnings per Share (EPS) of CORPAY INC (CPAY) is expected to grow by 17.89% in the next year.