CORPAY INC (CPAY) Stock Fundamental Analysis
NYSE:CPAY • US2199481068
334.42 USD
+2.41 (+0.73%)
At close: Mar 3, 2026
334.42 USD
0 (0%)
After Hours: 3/3/2026, 5:09:25 PM
We assign a fundamental rating of 5 out of 10 to CPAY. 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 is not valued too expensively and it also shows a decent growth rate.
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
- CPAY has a Return On Assets of 4.05%. This is in the better half of the industry: CPAY outperforms 72.16% of its industry peers.
- The Return On Equity of CPAY (27.55%) is better than 92.78% of its industry peers.
- CPAY has a Return On Invested Capital of 9.89%. This is amongst the best in the industry. CPAY outperforms 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 Rank | Sector 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%
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.
- Looking at the Operating Margin, with a value of 42.86%, 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 Operating Margin of CPAY has remained more or less at the same level.
- CPAY's Gross Margin of 78.60% is amongst the best of the industry. CPAY outperforms 83.51% of its industry peers.
| Industry Rank | Sector 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
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.
- CPAY has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for CPAY has been reduced compared to 5 years ago.
- CPAY has a better debt/assets ratio than last year.
2.2 Solvency
- CPAY has an Altman-Z score of 1.56. This is a bad value and indicates that CPAY is not financially healthy and even has some risk of bankruptcy.
- CPAY's Altman-Z score of 1.56 is fine compared to the rest of the industry. CPAY outperforms 71.13% 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.
- The Debt to FCF ratio of CPAY (7.70) 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.
- CPAY has a Debt to Equity ratio of 2.18. This is in the lower half of the industry: CPAY underperforms 68.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.18 | ||
| Debt/FCF | 7.7 | ||
| Altman-Z | 1.56 |
ROIC/WACC1.27
WACC7.79%
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 of 0.98. This is comparable to the rest of the industry: CPAY outperforms 48.45% of its industry peers.
- CPAY has a Quick Ratio of 0.98. This is a bad value and indicates that CPAY is not financially healthy enough and could expect problems in meeting its short term obligations.
- CPAY has a Quick ratio of 0.98. This is comparable to the rest of the industry: CPAY outperforms 49.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.98 | ||
| Quick Ratio | 0.98 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 12.47% 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 14.03% on average per year.
- Looking at the last year, CPAY shows a quite strong growth in Revenue. The Revenue has grown by 13.93% in the last year.
- 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.
- CPAY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.72% yearly.
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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 15.64, which indicates a correct valuation of CPAY.
- CPAY's Price/Earnings is on the same level as the industry average.
- CPAY's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.83.
- The Price/Forward Earnings ratio is 13.27, which indicates a correct valuation of CPAY.
- CPAY's Price/Forward Earnings is on the same level as the industry average.
- When comparing the Price/Forward Earnings ratio of CPAY to the average of the S&P500 Index (24.95), we can say CPAY is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.64 | ||
| Fwd PE | 13.27 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CPAY indicates a somewhat cheap valuation: CPAY is cheaper than 61.86% of the companies listed in the same industry.
- The rest of the industry has a similar Price/Free Cash Flow ratio as CPAY.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.01 | ||
| EV/EBITDA | 12.39 |
4.3 Compensation for Growth
- The 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.
- A more expensive valuation may be justified as CPAY's earnings are expected to grow with 15.87% in the coming years.
PEG (NY)0.87
PEG (5Y)1.11
EPS Next 2Y16.79%
EPS Next 3Y15.87%
5. Dividend
5.1 Amount
- No dividends for CPAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
334.42
+2.41 (+0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-04 2026-02-04/amc
Earnings (Next)05-04 2026-05-04/amc
Inst Owners96.28%
Inst Owner Change2.35%
Ins Owners3.55%
Ins Owner Change0.11%
Market Cap23.40B
Revenue(TTM)4.53B
Net Income(TTM)1.07B
Analysts83.64
Price Target387.93 (16%)
Short Float %3.02%
Short Ratio3.15
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)-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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.64 | ||
| Fwd PE | 13.27 | ||
| P/S | 5.17 | ||
| P/FCF | 18.01 | ||
| P/OCF | 15.6 | ||
| P/B | 6.02 | ||
| P/tB | N/A | ||
| EV/EBITDA | 12.39 |
EPS(TTM)21.38
EY6.39%
EPS(NY)25.21
Fwd EY7.54%
FCF(TTM)18.57
FCFY5.55%
OCF(TTM)21.44
OCFY6.41%
SpS64.73
BVpS55.52
TBVpS-98.89
PEG (NY)0.87
PEG (5Y)1.11
Graham Number163.42
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.56 |
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.