CORPAY INC (CPAY) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CPAY - US2199481068 - Common Stock
300.59 USD
-0.34 (-0.11%)
300.59 USD
0 (0%)
CPAY gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. CPAY has an excellent profitability rating, but there are some minor concerns on its financial health. CPAY is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
CPAY had positive earnings in the past year.
CPAY had a positive operating cash flow in the past year.
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.
1.2 Ratios
CPAY has a better Return On Assets (5.32%) than 75.51% of its industry peers.
CPAY has a better Return On Equity (25.79%) than 91.84% of its industry peers.
With an excellent Return On Invested Capital value of 10.98%, CPAY belongs to the best of the industry, outperforming 84.69% 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 8.44%.
| Industry Rank | Sector 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%
1.3 Margins
CPAY has a Profit Margin of 24.37%. This is amongst the best in the industry. CPAY outperforms 81.63% of its industry peers.
CPAY's Profit Margin has declined in the last couple of years.
CPAY has a better Operating Margin (43.73%) than 80.61% of its industry peers.
In the last couple of years the Operating Margin of CPAY has remained more or less at the same level.
With an excellent Gross Margin value of 78.26%, CPAY belongs to the best of the industry, outperforming 83.67% of the companies in the same industry.
CPAY's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
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.
The number of shares outstanding for CPAY has been reduced compared to 1 year ago.
The number of shares outstanding for CPAY has been reduced compared to 5 years ago.
Compared to 1 year ago, CPAY has a worse debt to assets ratio.
2.2 Solvency
CPAY has an Altman-Z score of 2.12. 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.
CPAY has a better Altman-Z score (2.12) than 77.55% 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.
The Debt to FCF ratio of CPAY (7.10) is comparable to the rest of the industry.
A Debt/Equity ratio of 1.86 is on the high side and indicates that CPAY has dependencies on debt financing.
CPAY has a worse Debt to Equity ratio (1.86) than 65.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.86 | ||
| Debt/FCF | 7.1 | ||
| Altman-Z | 2.12 |
ROIC/WACC1.33
WACC8.27%
2.3 Liquidity
A Current Ratio of 1.13 indicates that CPAY should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.13, CPAY is in line with its industry, outperforming 57.14% of the companies in the same 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.
CPAY has a Quick ratio of 1.13. This is comparable to the rest of the industry: CPAY outperforms 59.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.13 | ||
| Quick Ratio | 1.13 |
3. Growth
3.1 Past
CPAY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.43%, which is quite good.
Measured over the past years, CPAY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.03% on average per year.
CPAY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.27%.
Measured over the past years, CPAY shows a quite strong growth in Revenue. The Revenue has been growing by 8.45% on average per year.
EPS 1Y (TTM)14.43%
EPS 3Y12.9%
EPS 5Y10.03%
EPS Q2Q%14%
Revenue 1Y (TTM)11.27%
Revenue growth 3Y11.94%
Revenue growth 5Y8.45%
Sales Q2Q%13.92%
3.2 Future
CPAY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.01% yearly.
Based on estimates for the next years, CPAY will show a quite strong growth in Revenue. The Revenue will grow by 10.09% on average per year.
EPS Next Y14.13%
EPS Next 2Y15.49%
EPS Next 3Y15.86%
EPS Next 5Y15.01%
Revenue Next Year13.12%
Revenue Next 2Y14.33%
Revenue Next 3Y13.04%
Revenue Next 5Y10.09%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
CPAY is valuated correctly with a Price/Earnings ratio of 14.52.
Compared to the rest of the industry, the Price/Earnings ratio of CPAY is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 26.60. CPAY is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 11.85 indicates a reasonable valuation of CPAY.
CPAY's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.23, CPAY is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.52 | ||
| Fwd PE | 11.85 |
4.2 Price Multiples
61.22% of the companies in the same industry are more expensive than CPAY, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CPAY indicates a somewhat cheap valuation: CPAY is cheaper than 61.22% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.39 | ||
| EV/EBITDA | 11.27 |
4.3 Compensation for Growth
CPAY's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of CPAY may justify a higher PE ratio.
CPAY's earnings are expected to grow with 15.86% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.03
PEG (5Y)1.45
EPS Next 2Y15.49%
EPS Next 3Y15.86%
5. Dividend
5.1 Amount
No dividends for CPAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
300.59
-0.34 (-0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners96.11%
Inst Owner Change5.9%
Ins Owners3.55%
Ins Owner Change-0.04%
Market Cap21.03B
Revenue(TTM)4.31B
Net Income(TTM)1.05B
Analysts80.91
Price Target363.28 (20.86%)
Short Float %2.84%
Short Ratio3.01
Dividend
| Industry Rank | Sector 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)0.85%
PT rev (3m)-7.63%
EPS NQ rev (1m)-0.01%
EPS NQ rev (3m)2.72%
EPS NY rev (1m)0.98%
EPS NY rev (3m)1.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.18%
Revenue NY rev (1m)1.48%
Revenue NY rev (3m)1.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.52 | ||
| Fwd PE | 11.85 | ||
| P/S | 4.87 | ||
| P/FCF | 18.39 | ||
| P/OCF | 15.74 | ||
| P/B | 5.16 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.27 |
EPS(TTM)20.7
EY6.89%
EPS(NY)25.36
Fwd EY8.44%
FCF(TTM)16.34
FCFY5.44%
OCF(TTM)19.09
OCFY6.35%
SpS61.67
BVpS58.26
TBVpS-65.36
PEG (NY)1.03
PEG (5Y)1.45
Graham Number164.72
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.12 |
F-Score6
WACC8.27%
ROIC/WACC1.33
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)14.43%
EPS 3Y12.9%
EPS 5Y10.03%
EPS Q2Q%14%
EPS Next Y14.13%
EPS Next 2Y15.49%
EPS Next 3Y15.86%
EPS Next 5Y15.01%
Revenue 1Y (TTM)11.27%
Revenue growth 3Y11.94%
Revenue growth 5Y8.45%
Sales Q2Q%13.92%
Revenue Next Year13.12%
Revenue Next 2Y14.33%
Revenue Next 3Y13.04%
Revenue Next 5Y10.09%
EBIT growth 1Y9.51%
EBIT growth 3Y12.22%
EBIT growth 5Y7.35%
EBIT Next Year34.25%
EBIT Next 3Y20.34%
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 5 / 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 14.13% in the next year.