CORPAY INC (CPAY) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CPAY - US2199481068 - Common Stock
314.85 USD
+9.6 (+3.14%)
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 belongs to the best of the industry regarding profitability, 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.
- CPAY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- CPAY has a better Return On Assets (5.32%) than 75.26% of its industry peers.
- CPAY's Return On Equity of 25.79% is amongst the best of the industry. CPAY outperforms 91.75% of its industry peers.
- 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 8.44%.
| 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 81.44% of its industry peers.
- In the last couple of years the Profit Margin of CPAY has declined.
- The Operating Margin of CPAY (43.73%) is better than 80.41% of its industry peers.
- CPAY's Operating Margin has been stable in the last couple of years.
- With an excellent Gross Margin value of 78.26%, CPAY belongs to the best of the industry, outperforming 82.47% 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.
- CPAY has less shares outstanding than it did 1 year ago.
- CPAY has less shares outstanding than it did 5 years ago.
- CPAY has a worse debt/assets ratio than last year.
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's Altman-Z score of 2.13 is fine compared to the rest of the industry. CPAY outperforms 78.35% of its industry peers.
- The Debt to FCF ratio of CPAY is 7.10, which is on the high side as it means it would take CPAY, 7.10 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 7.10, CPAY perfoms like the industry average, outperforming 51.55% of the companies in the same industry.
- CPAY has a Debt/Equity ratio of 1.86. This is a high value indicating a heavy dependency on external financing.
- CPAY's Debt to Equity ratio of 1.86 is on the low side compared to the rest of the industry. CPAY is outperformed by 65.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.86 | ||
| Debt/FCF | 7.1 | ||
| Altman-Z | 2.13 |
ROIC/WACC1.34
WACC8.2%
2.3 Liquidity
- A Current Ratio of 1.13 indicates that CPAY should not have too much problems paying its short term obligations.
- CPAY's Current ratio of 1.13 is in line compared to the rest of the industry. CPAY outperforms 56.70% of its industry peers.
- 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's Quick ratio of 1.13 is in line compared to the rest of the industry. CPAY outperforms 58.76% of 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.
- 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.
- Looking at the last year, CPAY shows a quite strong growth in Revenue. The Revenue has grown by 11.27% in the last year.
- 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
- 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 Y14.09%
EPS Next 2Y15.23%
EPS Next 3Y15.45%
EPS Next 5Y15.01%
Revenue Next Year13.12%
Revenue Next 2Y14.35%
Revenue Next 3Y13.06%
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
- With a Price/Earnings ratio of 15.21, CPAY is valued correctly.
- The rest of the industry has a similar Price/Earnings ratio as CPAY.
- CPAY's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.94.
- With a Price/Forward Earnings ratio of 12.47, CPAY is valued correctly.
- CPAY's Price/Forward Earnings ratio is in line with the industry average.
- When comparing the Price/Forward Earnings ratio of CPAY to the average of the S&P500 Index (23.94), we can say CPAY is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.21 | ||
| Fwd PE | 12.47 |
4.2 Price Multiples
- CPAY's Enterprise Value to EBITDA ratio is in line with 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.26 | ||
| EV/EBITDA | 11.4 |
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)1.08
PEG (5Y)1.52
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% |
NYSE:CPAY (1/21/2026, 12:35:59 PM)
314.85
+9.6 (+3.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-02 2026-02-02/amc
Inst Owners96.28%
Inst Owner Change-0.01%
Ins Owners3.55%
Ins Owner Change-0.05%
Market Cap22.03B
Revenue(TTM)4.31B
Net Income(TTM)1.05B
Analysts82.73
Price Target362.48 (15.13%)
Short Float %2.95%
Short Ratio3.39
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)0.3%
PT rev (3m)-7.83%
EPS NQ rev (1m)-0.11%
EPS NQ rev (3m)2.61%
EPS NY rev (1m)-0.03%
EPS NY rev (3m)1.03%
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 | 15.21 | ||
| Fwd PE | 12.47 | ||
| P/S | 5.11 | ||
| P/FCF | 19.26 | ||
| P/OCF | 16.49 | ||
| P/B | 5.4 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.4 |
EPS(TTM)20.7
EY6.57%
EPS(NY)25.24
Fwd EY8.02%
FCF(TTM)16.34
FCFY5.19%
OCF(TTM)19.09
OCFY6.06%
SpS61.67
BVpS58.26
TBVpS-65.36
PEG (NY)1.08
PEG (5Y)1.52
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
WACC8.2%
ROIC/WACC1.34
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 2Y14.35%
Revenue Next 3Y13.06%
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 4 / 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.