CORPAY INC (CPAY) Fundamental Analysis & Valuation

NYSE:CPAY • US2199481068

Current stock price

307.22 USD
+0.75 (+0.24%)
At close:
307.22 USD
0 (0%)
After Hours:

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

7

1. CPAY Profitability Analysis

1.1 Basic Checks

  • CPAY had positive earnings in the past year.
  • 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.
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 74.00% of its industry peers.
  • With an excellent Return On Equity value of 27.55%, CPAY belongs to the best of the industry, outperforming 93.00% of the companies in the same industry.
  • CPAY has a better Return On Invested Capital (9.95%) than 82.00% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for CPAY is above the industry average of 7.99%.
Industry RankSector Rank
ROA 4.05%
ROE 27.55%
ROIC 9.95%
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

  • The Profit Margin of CPAY (23.62%) is better than 82.00% of its industry peers.
  • In the last couple of years the Profit Margin of CPAY has declined.
  • CPAY's Operating Margin of 43.10% is amongst the best of the industry. CPAY outperforms 83.00% of its industry peers.
  • 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 84.00% of its industry peers.
Industry RankSector Rank
OM 43.1%
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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3

2. CPAY Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CPAY is creating some value.
  • Compared to 1 year ago, CPAY has less shares outstanding
  • Compared to 5 years ago, CPAY has less shares outstanding
  • 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 1.49, we must say that CPAY is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.49, CPAY is in the better half of the industry, outperforming 71.00% of the companies in the same industry.
  • The Debt to FCF ratio of CPAY is 7.70, which is on the high side as it means it would take CPAY, 7.70 years of fcf income to pay off all of its debts.
  • CPAY has a Debt to FCF ratio (7.70) which is comparable to the rest of the industry.
  • CPAY has a Debt/Equity ratio of 2.18. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of CPAY (2.18) is worse than 67.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.18
Debt/FCF 7.7
Altman-Z 1.49
ROIC/WACC1.33
WACC7.45%
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

  • CPAY has a Current 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.
  • With a Current ratio value of 0.98, CPAY perfoms like the industry average, outperforming 49.00% 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.
  • With a Quick ratio value of 0.98, CPAY perfoms like the industry average, outperforming 49.00% 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

7

3. CPAY Growth Analysis

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.
  • 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.
  • The Revenue has grown by 13.93% in the past year. This is quite good.
  • 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

  • Based on estimates for the next years, CPAY will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.89% on average per year.
  • 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 Y23.59%
EPS Next 2Y18.99%
EPS Next 3Y17.89%
EPS Next 5YN/A
Revenue Next Year16.63%
Revenue Next 2Y13.5%
Revenue Next 3Y12.11%
Revenue Next 5Y10.72%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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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6

4. CPAY Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 14.37, 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.
  • CPAY's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.64.
  • With a Price/Forward Earnings ratio of 11.63, the valuation of CPAY can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CPAY.
  • CPAY's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.36.
Industry RankSector Rank
PE 14.37
Fwd PE 11.63
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

  • 65.00% of the companies in the same industry are more expensive than CPAY, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, CPAY is valued a bit cheaper than 66.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.64
EV/EBITDA 11.09
CPAY Per share dataCPAY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50 -100

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 17.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)1.02
EPS Next 2Y18.99%
EPS Next 3Y17.89%

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

0

5. CPAY Dividend Analysis

5.1 Amount

  • CPAY does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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CPAY Fundamentals: All Metrics, Ratios and Statistics

CORPAY INC

NYSE:CPAY (5/1/2026, 8:18:57 PM)

After market: 307.22 0 (0%)

307.22

+0.75 (+0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry Strength32.3
Industry Growth76.4
Earnings (Last)02-04
Earnings (Next)05-07
Inst Owners97.3%
Inst Owner Change0.05%
Ins Owners3.67%
Ins Owner Change0.16%
Market Cap20.32B
Revenue(TTM)4.53B
Net Income(TTM)1.07B
Analysts83.64
Price Target390.36 (27.06%)
Short Float %4.22%
Short Ratio4.11
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)-1.05%
PT rev (3m)7.69%
EPS NQ rev (1m)-0.01%
EPS NQ rev (3m)0.08%
EPS NY rev (1m)0.28%
EPS NY rev (3m)4.68%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.24%
Revenue NY rev (1m)-0.15%
Revenue NY rev (3m)0.84%
Valuation
Industry RankSector Rank
PE 14.37
Fwd PE 11.63
P/S 4.49
P/FCF 15.64
P/OCF 13.55
P/B 5.23
P/tB N/A
EV/EBITDA 11.09
EPS(TTM)21.38
EY6.96%
EPS(NY)26.42
Fwd EY8.6%
FCF(TTM)19.65
FCFY6.39%
OCF(TTM)22.68
OCFY7.38%
SpS68.48
BVpS58.73
TBVpS-104.62
PEG (NY)0.61
PEG (5Y)1.02
Graham Number168.085 (-45.29%)
Profitability
Industry RankSector Rank
ROA 4.05%
ROE 27.55%
ROCE 16.12%
ROIC 9.95%
ROICexc 12.12%
ROICexgc 218.24%
OM 43.1%
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 3.62
Cap/Depr 51.04%
Cap/Sales 4.43%
Interest Coverage 3.97
Cash Conversion 63.96%
Profit Quality 121.44%
Current Ratio 0.98
Quick Ratio 0.98
Altman-Z 1.49
F-Score6
WACC7.45%
ROIC/WACC1.33
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 Y23.59%
EPS Next 2Y18.99%
EPS Next 3Y17.89%
EPS Next 5YN/A
Revenue 1Y (TTM)13.93%
Revenue growth 3Y9.73%
Revenue growth 5Y13.64%
Sales Q2Q%20.67%
Revenue Next Year16.63%
Revenue Next 2Y13.5%
Revenue Next 3Y12.11%
Revenue Next 5Y10.72%
EBIT growth 1Y11.16%
EBIT growth 3Y10.5%
EBIT growth 5Y14.96%
EBIT Next Year42.93%
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 Fundamental Analysis 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 6 / 10 to CORPAY INC (CPAY). This can be considered as Fairly Valued.


What is the profitability of CPAY stock?

CORPAY INC (CPAY) has a profitability rating of 7 / 10.


What is the valuation of CORPAY INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for CORPAY INC (CPAY) is 14.37 and the Price/Book (PB) ratio is 5.23.


How financially healthy is CORPAY INC?

The financial health rating of CORPAY INC (CPAY) is 3 / 10.