CORPAY INC (CPAY) Fundamental Analysis & Valuation

NYSE:CPAY • US2199481068

314.4 USD
-9.93 (-3.06%)
At close: Mar 6, 2026
314.39 USD
-0.01 (0%)
After Hours: 3/6/2026, 8:09:33 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This CPAY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Taking everything into account, CPAY scores 5 out of 10 in our fundamental rating. CPAY was compared to 97 industry peers in the Financial Services industry. While CPAY has a great profitability rating, there are quite some concerns on its financial health. CPAY has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

7

1. CPAY Profitability Analysis

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.
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

  • The Return On Assets of CPAY (4.05%) is better than 72.16% of its industry peers.
  • CPAY's Return On Equity of 27.55% is amongst the best of the industry. CPAY outperforms 92.78% of its industry peers.
  • CPAY has a better Return On Invested Capital (9.89%) than 81.44% of its industry peers.
  • CPAY had an Average Return On Invested Capital over the past 3 years of 11.18%. This is above the industry average of 8.35%.
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 80.41% of the companies in the same industry.
  • CPAY's Profit Margin has declined in the last couple of years.
  • With an excellent Operating Margin value of 42.86%, CPAY belongs to the best of the industry, outperforming 81.44% of the companies in the same industry.
  • In the last couple of years the Operating Margin of CPAY has remained more or less at the same level.
  • Looking at the Gross Margin, with a value of 78.60%, CPAY belongs to the top of the industry, outperforming 83.51% of the companies in the same industry.
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. CPAY Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so CPAY is still creating some value.
  • Compared to 1 year ago, CPAY has less shares outstanding
  • CPAY has less shares outstanding than it did 5 years ago.
  • CPAY has a better debt/assets ratio than last year.
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

  • CPAY has an Altman-Z score of 1.55. This is a bad value and indicates that CPAY is not financially healthy and even has some risk of bankruptcy.
  • CPAY has a better Altman-Z score (1.55) than 72.16% 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 comparable to the rest of the industry.
  • A Debt/Equity ratio of 2.18 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 2.18, CPAY is doing worse than 68.04% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.18
Debt/FCF 7.7
Altman-Z 1.55
ROIC/WACC1.27
WACC7.79%
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.
  • Looking at the Current ratio, with a value of 0.98, CPAY is in line with its industry, outperforming 48.45% of the companies in the same industry.
  • A Quick Ratio of 0.98 indicates that CPAY may have some problems paying its short term obligations.
  • CPAY has a Quick ratio (0.98) which is in line with its industry peers.
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. CPAY Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 12.47% over the past year.
  • 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%.
  • Measured over the past years, CPAY shows a quite strong growth in Revenue. The Revenue has been growing by 13.64% on average per year.
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

  • CPAY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.87% yearly.
  • Based on estimates for the next years, CPAY will show a quite strong growth in Revenue. The Revenue will grow by 10.72% on average per year.
EPS Next Y17.89%
EPS Next 2Y16.79%
EPS Next 3Y15.87%
EPS Next 5YN/A
Revenue Next Year16.82%
Revenue Next 2Y13.63%
Revenue Next 3Y12.11%
Revenue Next 5Y10.72%

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 stable.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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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5

4. CPAY Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.71 indicates a correct valuation of CPAY.
  • 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 26.29. CPAY is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 12.47, the valuation of CPAY can be described as correct.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CPAY.
  • When comparing the Price/Forward Earnings ratio of CPAY to the average of the S&P500 Index (24.57), we can say CPAY is valued slightly cheaper.
Industry RankSector Rank
PE 14.71
Fwd PE 12.47
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

  • 60.82% of the companies in the same industry are more expensive than CPAY, based on the Enterprise Value to EBITDA ratio.
  • CPAY's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 16.93
EV/EBITDA 12.16
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.
  • CPAY has a very decent profitability rating, which 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)0.82
PEG (5Y)1.05
EPS Next 2Y16.79%
EPS Next 3Y15.87%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CPAY Dividend Analysis

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

CPAY Fundamentals: All Metrics, Ratios and Statistics

CORPAY INC

NYSE:CPAY (3/6/2026, 8:09:33 PM)

After market: 314.39 -0.01 (0%)

314.4

-9.93 (-3.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-04
Earnings (Next)05-04
Inst Owners96.28%
Inst Owner Change2.35%
Ins Owners3.55%
Ins Owner Change0.11%
Market Cap22.00B
Revenue(TTM)4.53B
Net Income(TTM)1.07B
Analysts83.64
Price Target387.93 (23.39%)
Short Float %3.02%
Short Ratio3.15
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)7.02%
PT rev (3m)7.69%
EPS NQ rev (1m)0.32%
EPS NQ rev (3m)-0.49%
EPS NY rev (1m)-0.15%
EPS NY rev (3m)1.62%
Revenue NQ rev (1m)0.24%
Revenue NQ rev (3m)0.24%
Revenue NY rev (1m)1.01%
Revenue NY rev (3m)6.87%
Valuation
Industry RankSector Rank
PE 14.71
Fwd PE 12.47
P/S 4.86
P/FCF 16.93
P/OCF 14.66
P/B 5.66
P/tB N/A
EV/EBITDA 12.16
EPS(TTM)21.38
EY6.8%
EPS(NY)25.21
Fwd EY8.02%
FCF(TTM)18.57
FCFY5.91%
OCF(TTM)21.44
OCFY6.82%
SpS64.73
BVpS55.52
TBVpS-98.89
PEG (NY)0.82
PEG (5Y)1.05
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 1.55
F-Score6
WACC7.79%
ROIC/WACC1.27
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 Year16.82%
Revenue Next 2Y13.63%
Revenue Next 3Y12.11%
Revenue Next 5Y10.72%
EBIT growth 1Y10.53%
EBIT growth 3Y10.5%
EBIT growth 5Y14.96%
EBIT Next Year42.54%
EBIT Next 3Y21.02%
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.