CORPAY INC (CPAY) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:CPAY • US2199481068
292.23 USD
-12.64 (-4.15%)
At close: Feb 3, 2026
292.23 USD
0 (0%)
After Hours: 2/3/2026, 8:08:25 PM
CPAY gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 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 is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
- In the past year CPAY was profitable.
- In the past year CPAY had a positive cash flow from operations.
- Each year in the past 5 years CPAY has been profitable.
- In the past 5 years CPAY always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 5.32%, CPAY is in the better half of the industry, outperforming 75.26% of the companies in the same industry.
- With an excellent Return On Equity value of 25.79%, CPAY belongs to the best of the industry, outperforming 91.75% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 10.98%, CPAY belongs to the top of the industry, outperforming 84.54% 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 8.52%.
| 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
- Looking at the Profit Margin, with a value of 24.37%, CPAY belongs to the top 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.
- CPAY has a Operating Margin of 43.73%. This is amongst the best in the industry. CPAY outperforms 80.41% of its industry peers.
- 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.
- 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
- CPAY has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- Compared to 1 year ago, CPAY has less shares outstanding
- CPAY has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, CPAY has a worse debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 2.13 indicates that CPAY is not a great score, but indicates only limited risk for bankruptcy at the moment.
- CPAY has a better Altman-Z score (2.13) than 78.35% 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 has a Debt to FCF ratio (7.10) which 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 64.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.86 | ||
| Debt/FCF | 7.1 | ||
| Altman-Z | 2.13 |
ROIC/WACC1.32
WACC8.3%
2.3 Liquidity
- A Current Ratio of 1.13 indicates that CPAY should not have too much problems paying its short term obligations.
- With a Current ratio value of 1.13, CPAY perfoms like the industry average, outperforming 56.70% 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 (1.13) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.13 | ||
| Quick Ratio | 1.13 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 14.43% over the past year.
- The Earnings Per Share has been growing by 10.03% on average over the past years. This is quite good.
- The Revenue has grown by 11.27% in the past year. This is quite good.
- The Revenue has been growing by 8.45% on average over the past years. This is quite good.
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
- The Earnings Per Share is expected to grow by 15.01% on average over the next years. This is quite good.
- 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 Y14.09%
EPS Next 2Y15.23%
EPS Next 3Y15.45%
EPS Next 5Y15.01%
Revenue Next Year13.12%
Revenue Next 2Y14.4%
Revenue Next 3Y13.09%
Revenue Next 5Y10.09%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 14.12 indicates a correct valuation of CPAY.
- The rest of the industry has a similar Price/Earnings ratio as CPAY.
- Compared to an average S&P500 Price/Earnings ratio of 28.18, CPAY is valued a bit cheaper.
- CPAY is valuated reasonably with a Price/Forward Earnings ratio of 11.58.
- CPAY's Price/Forward Earnings ratio is in line with the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 25.51. CPAY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.12 | ||
| Fwd PE | 11.58 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CPAY is on the same level as its industry peers.
- CPAY's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.88 | ||
| EV/EBITDA | 11.39 |
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 15.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)1
PEG (5Y)1.41
EPS Next 2Y15.23%
EPS Next 3Y15.45%
5. Dividend
5.1 Amount
- CPAY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
292.23
-12.64 (-4.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-04 2026-02-04/amc
Inst Owners96.28%
Inst Owner Change-0.21%
Ins Owners3.55%
Ins Owner Change-0.13%
Market Cap20.44B
Revenue(TTM)4.31B
Net Income(TTM)1.05B
Analysts82.73
Price Target362.48 (24.04%)
Short Float %N/A
Short RatioN/A
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)-0.22%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.12 | ||
| Fwd PE | 11.58 | ||
| P/S | 4.74 | ||
| P/FCF | 17.88 | ||
| P/OCF | 15.3 | ||
| P/B | 5.02 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.39 |
EPS(TTM)20.7
EY7.08%
EPS(NY)25.24
Fwd EY8.64%
FCF(TTM)16.34
FCFY5.59%
OCF(TTM)19.09
OCFY6.53%
SpS61.67
BVpS58.26
TBVpS-65.36
PEG (NY)1
PEG (5Y)1.41
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 | 2.13 |
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)14.43%
EPS 3Y12.9%
EPS 5Y10.03%
EPS Q2Q%14%
EPS Next Y14.09%
EPS Next 2Y15.23%
EPS Next 3Y15.45%
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 2Y14.4%
Revenue Next 3Y13.09%
Revenue Next 5Y10.09%
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 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 14.09% in the next year.