CORPAY INC (CPAY) Stock Fundamental Analysis

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

346.61 USD
-9.77 (-2.74%)
At close: Feb 11, 2026
346.61 USD
0 (0%)
After Hours: 2/11/2026, 8:14:58 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, CPAY scores 5 out of 10 in our fundamental rating. CPAY was compared to 96 industry peers in the Financial Services industry. CPAY scores excellent on profitability, but there are 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.
  • CPAY had positive earnings in each of the past 5 years.
  • Each year in the past 5 years CPAY had a positive operating cash flow.
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

  • CPAY has a better Return On Assets (4.05%) than 72.92% of its industry peers.
  • With an excellent Return On Equity value of 27.55%, CPAY belongs to the best of the industry, outperforming 92.71% of the companies in the same industry.
  • CPAY's Return On Invested Capital of 9.89% is amongst the best of the industry. CPAY outperforms 81.25% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for CPAY is above the industry average of 8.59%.
Industry RankSector Rank
ROA 4.05%
ROE 27.55%
ROIC 9.89%
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

  • With an excellent Profit Margin value of 23.62%, CPAY belongs to the best of the industry, outperforming 81.25% of the companies in the same industry.
  • CPAY's Profit Margin has declined in the last couple of years.
  • CPAY has a better Operating Margin (42.86%) than 81.25% of its industry peers.
  • CPAY's Operating Margin has been stable in the last couple of years.
  • CPAY has a better Gross Margin (78.60%) than 83.33% of its industry peers.
Industry RankSector Rank
OM 42.86%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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 an improved debt to assets ratio.
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 1.61, we must say that CPAY is in the distress zone and has some risk of bankruptcy.
  • CPAY has a better Altman-Z score (1.61) than 69.79% of its industry peers.
  • 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 has a Debt to FCF ratio (7.70) which is in line with its industry peers.
  • A Debt/Equity ratio of 2.18 is on the high side and indicates that CPAY has dependencies on debt financing.
  • CPAY's Debt to Equity ratio of 2.18 is on the low side compared to the rest of the industry. CPAY is outperformed by 68.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.18
Debt/FCF 7.7
Altman-Z 1.61
ROIC/WACC1.21
WACC8.15%
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

  • A Current Ratio of 0.98 indicates that CPAY may have some problems paying its short term obligations.
  • CPAY has a Current ratio (0.98) which is in line with its industry peers.
  • A Quick Ratio of 0.98 indicates that CPAY may have some problems paying its short term obligations.
  • With a Quick ratio value of 0.98, CPAY perfoms like the industry average, outperforming 47.92% of the companies in the same industry.
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

6

3. Growth

3.1 Past

  • CPAY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.47%, which is quite good.
  • 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%.
  • CPAY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.64% yearly.
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

  • The Earnings Per Share is expected to grow by 15.87% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 10.72% on average over the next years. This is quite good.
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 5Y10.72%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • 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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 16.21, CPAY is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of CPAY is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 28.23, CPAY is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 13.75, which indicates a correct valuation of CPAY.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CPAY.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.01, CPAY is valued rather cheaply.
Industry RankSector Rank
PE 16.21
Fwd PE 13.75
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CPAY is on the same level as its industry peers.
  • 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 18.67
EV/EBITDA 13.12
CPAY Per share dataCPAY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50

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.
  • CPAY's earnings are expected to grow with 15.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.91
PEG (5Y)1.16
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 (2/11/2026, 8:14:58 PM)

After market: 346.61 0 (0%)

346.61

-9.77 (-2.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-04
Earnings (Next)05-04
Inst Owners96.28%
Inst Owner Change1.93%
Ins Owners3.55%
Ins Owner Change-0.13%
Market Cap24.25B
Revenue(TTM)4.53B
Net Income(TTM)1.07B
Analysts83.64
Price Target374.83 (8.14%)
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)-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)3.18%
PT rev (3m)-0.57%
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)3%
EPS NY rev (1m)0.05%
EPS NY rev (3m)1.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)1.61%
Valuation
Industry RankSector Rank
PE 16.21
Fwd PE 13.75
P/S 5.35
P/FCF 18.67
P/OCF 16.17
P/B 6.24
P/tB N/A
EV/EBITDA 13.12
EPS(TTM)21.38
EY6.17%
EPS(NY)25.21
Fwd EY7.27%
FCF(TTM)18.57
FCFY5.36%
OCF(TTM)21.44
OCFY6.19%
SpS64.73
BVpS55.52
TBVpS-98.89
PEG (NY)0.91
PEG (5Y)1.16
Graham Number163.42
Profitability
Industry RankSector Rank
ROA 4.05%
ROE 27.55%
ROCE 16.02%
ROIC 9.89%
ROICexc 12.05%
ROICexgc 216.99%
OM 42.86%
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 3.63
Cap/Depr 51.04%
Cap/Sales 4.43%
Interest Coverage 3.95
Cash Conversion 64.26%
Profit Quality 121.44%
Current Ratio 0.98
Quick Ratio 0.98
Altman-Z 1.61
F-Score6
WACC8.15%
ROIC/WACC1.21
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 Y17.89%
EPS Next 2Y16.79%
EPS Next 3Y15.87%
EPS Next 5YN/A
Revenue 1Y (TTM)13.93%
Revenue growth 3Y9.73%
Revenue growth 5Y13.64%
Sales Q2Q%20.67%
Revenue Next Year15.72%
Revenue Next 2Y13.12%
Revenue Next 3Y9.08%
Revenue Next 5Y10.72%
EBIT growth 1Y10.53%
EBIT growth 3Y10.5%
EBIT growth 5Y14.96%
EBIT Next Year42.2%
EBIT Next 3Y17.75%
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 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 17.89% in the next year.