CORPAY INC (CPAY) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CPAY - US2199481068 - Common Stock
331.91 USD
+0.5 (+0.15%)
We assign a fundamental rating of 5 out of 10 to CPAY. CPAY was compared to 98 industry peers in the Financial Services industry. While CPAY belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. CPAY is not overvalued while it is showing excellent growth. This is an interesting 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.
CPAY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of CPAY (5.32%) is better than 75.51% of its industry peers.
Looking at the Return On Equity, with a value of 25.79%, CPAY belongs to the top of the industry, outperforming 91.84% of the companies in the same industry.
CPAY has a better Return On Invested Capital (10.98%) than 84.69% of its industry peers.
CPAY had an Average Return On Invested Capital over the past 3 years of 12.51%. This 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 better Profit Margin (24.37%) than 81.63% of its industry peers.
CPAY's Profit Margin has declined in the last couple of years.
CPAY's Operating Margin of 43.73% is amongst the best of the industry. CPAY outperforms 80.61% 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 83.67% of its industry peers.
In the last couple of years the Gross Margin of CPAY has declined.
| 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
Compared to 5 years ago, CPAY has less shares outstanding
The debt/assets ratio for CPAY is higher compared to a year ago.
2.2 Solvency
CPAY has an Altman-Z score of 2.20. 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's Altman-Z score of 2.20 is fine compared to the rest of the industry. CPAY outperforms 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.
CPAY has a Debt to FCF ratio (7.10) which is in line with its industry peers.
A Debt/Equity ratio of 1.86 is on the high side and indicates that CPAY has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.86, CPAY is doing worse than 65.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.86 | ||
| Debt/FCF | 7.1 | ||
| Altman-Z | 2.2 |
ROIC/WACC1.33
WACC8.29%
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.
A Quick Ratio of 1.13 indicates that CPAY should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.13, CPAY perfoms like the industry average, outperforming 59.18% of the companies in the same industry.
| 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.
CPAY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.27%.
CPAY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.45% yearly.
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
Based on estimates for the next years, CPAY will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.01% on average per year.
CPAY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.09% yearly.
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
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 16.03 indicates a correct valuation of CPAY.
CPAY's Price/Earnings is on the same level as the industry average.
CPAY is valuated rather cheaply when we compare the Price/Earnings ratio to 27.00, which is the current average of the S&P500 Index.
CPAY is valuated correctly with a Price/Forward Earnings ratio of 13.09.
CPAY's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.70. CPAY is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.03 | ||
| Fwd PE | 13.09 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CPAY is valued a bit cheaper than 60.20% of the companies in the same industry.
60.20% of the companies in the same industry are more expensive than CPAY, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.31 | ||
| EV/EBITDA | 12.21 |
4.3 Compensation for Growth
CPAY's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
CPAY has a very decent profitability rating, which 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)1.14
PEG (5Y)1.6
EPS Next 2Y15.49%
EPS Next 3Y15.86%
5. Dividend
5.1 Amount
CPAY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSE:CPAY (1/9/2026, 3:15:00 PM)
331.91
+0.5 (+0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners96.28%
Inst Owner Change0%
Ins Owners3.55%
Ins Owner Change-0.04%
Market Cap23.22B
Revenue(TTM)4.31B
Net Income(TTM)1.05B
Analysts80.91
Price Target363.28 (9.45%)
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%
EPS NQ rev (3m)2.72%
EPS NY rev (1m)0%
EPS NY rev (3m)1.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.18%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.03 | ||
| Fwd PE | 13.09 | ||
| P/S | 5.38 | ||
| P/FCF | 20.31 | ||
| P/OCF | 17.38 | ||
| P/B | 5.7 | ||
| P/tB | N/A | ||
| EV/EBITDA | 12.21 |
EPS(TTM)20.7
EY6.24%
EPS(NY)25.36
Fwd EY7.64%
FCF(TTM)16.34
FCFY4.92%
OCF(TTM)19.09
OCFY5.75%
SpS61.67
BVpS58.26
TBVpS-65.36
PEG (NY)1.14
PEG (5Y)1.6
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 | 2.2 |
F-Score6
WACC8.29%
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.